Summit State Bank (SSBI) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Summit State Bank had a P/E ratio of 11.52, return on equity of 7.0% (up from -4.4%), debt-to-equity of 0.07 (down from 0.08) and return on assets of 0.7% (up from -0.4%).

Summit State Bank Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	11.52	-	7.61	6.23	7.05	7.78
Forward P/E	12.48	12.48	12.48	12.48	12.48	12.48
P/S Ratio	2.39	2.05	2.04	2.23	2.51	2.51
P/B Ratio	0.77	0.56	0.84	1.19	1.23	1.08
Price/Tangible Book	0.77	0.56	0.88	1.25	1.29	1.14
Price/FCF	11.96	9.15	-	7.80	14.03	22.69
Price/OCF	11.88	8.79	-	7.70	13.86	21.92
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.05%	-4.43%	11.62%	19.64%	18.38%	14.71%
Return on Assets (ROA)	0.66%	-0.38%	0.97%	1.64%	1.61%	1.35%
Leverage & Solvency Ratios
Debt/Equity	0.07	0.08	0.07	0.55	0.66	0.80
Debt/FCF	1.14	1.28	-	3.57	7.53	16.84
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	8.68%	-8.16%	13.14%	16.06%	14.19%	12.85%
FCF Yield	8.36%	10.93%	-3.18%	12.82%	7.13%	4.41%
Dividend Yield	-	3.66%	3.90%	3.04%	3.10%	4.43%
Payout Ratio	-	-	30.04%	19.01%	20.34%	27.70%
Buyback Yield	-0.25%	-0.23%	-0.16%	-0.07%	-0.03%	0.01%
Total Return	-0.25%	3.43%	3.74%	2.96%	3.07%	4.44%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Summit State Bank Financial Ratios

What is Summit State Bank's P/E ratio?

Summit State Bank's P/E ratio was 11.52 for fiscal 2025 (period ended Dec 31, 2025).

What is Summit State Bank's return on equity?

Summit State Bank's return on equity (ROE) was 7.0% for fiscal 2025 (period ended Dec 31, 2025). It was -4.4% a year earlier.

What is Summit State Bank's debt-to-equity ratio?

Summit State Bank's debt-to-equity ratio was 0.07 for fiscal 2025 (period ended Dec 31, 2025). It was 0.08 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition