Financials Summit State Bank

Equities

SSBI

US8662642037

Banks

Delayed Nasdaq 03:28:02 2024-04-30 pm EDT 5-day change 1st Jan Change
10.04 USD +2.55% Intraday chart for Summit State Bank +2.87% -18.37%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 76.12 71.4 78.69 81.82 103.6 105.7
Enterprise Value (EV) 1 28.48 116.9 92.84 111.7 118.5 76.43
P/E ratio 23.3 x 12.3 x 12.1 x 7.79 x 7.04 x 6.23 x
Yield 3.81% 4.08% 3.7% 3.56% 2.82% 3.04%
Capitalization / Revenue 3.85 x 3.05 x 3.16 x 2.51 x 2.51 x 2.23 x
EV / Revenue 1.44 x 5 x 3.72 x 3.43 x 2.87 x 1.61 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.28 x 1.16 x 1.17 x 1.08 x 1.23 x 1.2 x
Nbr of stocks (in thousands) 6,646 6,673 6,677 6,677 6,685 6,688
Reference price 2 11.45 10.70 11.79 12.25 15.49 15.80
Announcement Date 3/16/18 3/18/19 3/16/20 3/24/21 3/28/22 3/22/23
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 19.77 23.4 24.94 32.61 41.21 47.38
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 5.922 8.044 8.875 14.94 20.88 23.87
Net income 1 3.292 5.827 6.477 10.52 14.7 16.97
Net margin 16.65% 24.9% 25.97% 32.25% 35.66% 35.81%
EPS 2 0.4909 0.8727 0.9702 1.573 2.200 2.537
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.4364 0.4364 0.4364 0.4364 0.4364 0.4800
Announcement Date 3/16/18 3/18/19 3/16/20 3/24/21 3/28/22 3/22/23
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - 45.5 14.1 29.9 14.9 -
Net Cash position 1 47.6 - - - - 29.2
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.57% 9.62% 10.1% 14.7% 18.4% 19.6%
ROA (Net income/ Total Assets) 0.59% 0.95% 0.98% 1.35% 1.61% 1.64%
Assets 1 562.4 616.5 659.1 780.9 912 1,037
Book Value Per Share 2 8.980 9.220 10.10 11.30 12.60 13.20
Cash Flow per Share 2 9.430 1.690 5.740 4.620 6.090 11.50
Capex 1 0.21 0.87 1 0.13 0.09 0.18
Capex / Sales 1.04% 3.72% 3.99% 0.39% 0.22% 0.37%
Announcement Date 3/16/18 3/18/19 3/16/20 3/24/21 3/28/22 3/22/23
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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