Company Analysis Summit State Bank
1. Summary
Advantages
- Price (11.02 $) is less than fair price (11.04 $)
- Dividends (4.63%) are higher than the sector average (1.71%).
- Current debt level 0.566% is below 100% and has decreased over 5 years from 7.4%.
- The company's current efficiency (ROE=11.08%) is higher than the sector average (ROE=6.09%)
Disadvantages
- The stock's return over the last year (-38.29%) is lower than the sector average (-21%).
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Summit State Bank | Financials | Index | |
|---|---|---|---|
| 7 days | -0.7% | -6.4% | -5.2% |
| 90 days | -13.2% | -35.9% | -3.5% |
| 1 year | -38.3% | -21% | 16% |
SSBI vs Sector: Summit State Bank has significantly underperformed the "Financials" sector by -17.29% over the past year.
SSBI vs Market: Summit State Bank has significantly underperformed the market by -54.26% over the past year.
Stable price: SSBI is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: SSBI with weekly volatility of -0.7364% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (11.02 $) is lower than the fair price (11.04 $).
Price not significantly lower than the fair price: The current price (11.02 $) is slightly lower than the fair price by 0.2%.
4.2. P/E
P/E vs Sector: The company's P/E (7.8) is lower than that of the sector as a whole (25.96).
P/E vs Market: The company's P/E (7.8) is lower than that of the market as a whole (51.48).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.864) is higher than that of the sector as a whole (0.6713).
P/BV vs Market: The company's P/BV (0.864) is lower than that of the market as a whole (3.44).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.29) is lower than that of the sector as a whole (4.91).
P/S vs Market: The company's P/S indicator (1.29) is lower than that of the market as a whole (10.3).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (87.06) is higher than that of the sector as a whole (17.63).
EV/Ebitda vs Market: The company's EV/Ebitda (87.06) is higher than that of the market as a whole (29.6).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 0.6133% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (0.6133%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (26.63%).
5.4. ROE
ROE vs Sector: The company's ROE (11.08%) is higher than that of the sector as a whole (6.09%).
ROE vs Market: The company's ROE (11.08%) is higher than that of the market as a whole (8.95%).
5.5. ROA
ROA vs Sector: The company's ROA (0.9611%) is lower than that of the sector as a whole (5.76%).
ROA vs Market: The company's ROA (0.9611%) is lower than that of the market as a whole (6.3%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.63% is higher than the average for the sector '1.71%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.63% has been steadily paid over the past 7 years, DSI=0.86.
Weak dividend growth: The company's dividend yield 4.63% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (30.04%) are at a comfortable level.
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