Summit State Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Summit State Bank's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 29%
Sales fell 29% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-29% / -10%In 3 years sales changed by -29% while total assets changed by -10%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Summit State Bank owes $0.90 for every $1 it owns. Summit State Bank returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
36.7Investors pay $36.7 for every $1 of Summit State Bank's yearly profit, higher than 91% of Financial Services companies in United States.
P/B ratio
0.80The share price is 0.80 times Summit State Bank's book value per share, lower than 87% of Financial Services companies in United States.
Market cap
$82 MThe total market value of all of Summit State Bank's shares at today's price (share price × number of shares), smaller than 92% of Financial Services companies in United States. PosiCap size class: Micro Cap.
Net worth (book value)
$103 MWhat Summit State Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
$15.17Net worth divided by the number of shares. The share price of $12.11 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
2.3%Summit State Bank earned 2.3% on its shareholders' money over the last year, lower than 83% of Financial Services companies in United States.
Owes vs Owns
0.90×Summit State Bank owes $0.90 for every $1 it owns (high), higher than 79% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneSummit State Bank does not currently pay a dividend.
Revenue growth
+7%Revenue rose 7% in the year to Dec 2025, and shrank 11% a year on average over 3 years.
Profit growth
Back to profitSummit State Bank returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
19.4%Summit State Bank keeps $19 of every $100 of revenue as net profit.
Questions
What is Summit State Bank's P/E ratio?
Investors pay $36.7 for every $1 of Summit State Bank's yearly profit, higher than 91% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Summit State Bank: $82 M ÷ $103 M (31 Mar 2026) = 0.8.
What is Summit State Bank's return on equity?
Summit State Bank earned 2.3% on its shareholders' money over the last year, lower than 83% of Financial Services companies in United States.
How much does Summit State Bank owe compared with what it owns?
Summit State Bank owes $0.90 for every $1 it owns (high), higher than 79% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Summit State Bank pay a dividend?
No. Summit State Bank does not currently pay a dividend.
Is Summit State Bank's revenue growing?
Revenue rose 7% in the year to Dec 2025, and shrank 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.