SSBI PE Ratio & Valuation,Is SSBI Overvalued

SSBI Relative Valuation

SSBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SSBI is overvalued; if below, it's undervalued.

Historical Valuation

Summit State Bank (SSBI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Summit State Bank (SSBI) is between -- to -- according to relative valuation methord.

Relative Value

Fair Zone

-----

Current Price：11.55

Fair

0.00

EV/EBITDA

Summit State Bank. (SSBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Summit State Bank. (SSBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Summit State Bank. (SSBI) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

Summit State Bank. (SSBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Summit State Bank. (SSBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Summit State Bank (SSBI) has a current Price-to-Book (P/B) ratio of 0.66. Compared to its 3-year average P/B ratio of 0.83 , the current P/B ratio is approximately -20.18% higher. Relative to its 5-year average P/B ratio of 1.03, the current P/B ratio is about -35.75% higher. Summit State Bank (SSBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 3.69%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 10.45% , the current FCF yield is about -100.00% lower.

0.66

P/B

Median3y

0.83

Median5y

1.03

0.00

FCF Yield

Median3y

3.69

Median5y

10.45

Competitors Valuation Multiple

The average P/S ratio for SSBI's competitors is 1.66, providing a benchmark for relative valuation. Summit State Bank Corp (SSBI) exhibits a P/S ratio of , which is -100% above the industry average. Given its robust revenue growth of 2.10%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of SSBI increased by 50.98% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 17.11 to 29.96.

The secondary factor is the Revenue Growth, contributed 2.10%to the performance.

Overall, the performance of SSBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

2.10%

8.15M → 8.33M

Revenue Growth

75.10%

17.11 → 29.96

Margin Expansion

-26.22%

-27.32 → -20.15

P/E Change

50.98%

7.65 → 11.55

Mkt Cap Growth

People Also Watch

Frequently Asked Questions

Is Summit State Bank (SSBI) currently overvalued or undervalued?

What is Summit State Bank (SSBI) fair value?

SSBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Summit State Bank (SSBI) is between to according to relative valuation methord.

How does SSBI's valuation metrics compare to the industry average?

The average P/S ratio for SSBI's competitors is 1.66, providing a benchmark for relative valuation. Summit State Bank Corp (SSBI) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 2.10%, this premium appears unsustainable.

What is the current P/B ratio for Summit State Bank (SSBI) as of Dec 15 2025?

As of Dec 15 2025, Summit State Bank (SSBI) has a P/B ratio of 0.66. This indicates that the market values SSBI at 0.66 times its book value.

What is the current FCF Yield for Summit State Bank (SSBI) as of Dec 15 2025?

As of Dec 15 2025, Summit State Bank (SSBI) has a FCF Yield of 0.00%. This means that for every dollar of Summit State Bank’s market capitalization, the company generates 0.00 cents in free cash flow.

What is the current Forward P/E ratio for Summit State Bank (SSBI) as of Dec 15 2025?

As of Dec 15 2025, Summit State Bank (SSBI) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Summit State Bank’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Summit State Bank (SSBI) as of Dec 15 2025?

As of Dec 15 2025, Summit State Bank (SSBI) has a Forward P/S ratio of 0.00. This means the market is valuing SSBI at $0.00 for every dollar of expected revenue over the next 12 months.

SSBI Valuation

SSBI Valuation

SSBI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Summit State Bank (SSBI) currently overvalued or undervalued?

What is Summit State Bank (SSBI) fair value?

How does SSBI's valuation metrics compare to the industry average?

What is the current P/B ratio for Summit State Bank (SSBI) as of Dec 15 2025?

What is the current FCF Yield for Summit State Bank (SSBI) as of Dec 15 2025?

What is the current Forward P/E ratio for Summit State Bank (SSBI) as of Dec 15 2025?

What is the current Forward P/S ratio for Summit State Bank (SSBI) as of Dec 15 2025?