Stock fact sheet · data as of
Summit State Bank (SSBI): fair value, margin of safety and Wheel Score
Ticker symbol SSBI · Financial Services · Banks - Regional · United States · Value
Is SSBI undervalued?
Summit State Bank (SSBI) closed at 11.42 on 5 Nov 2026, 12% above the GLS average fair value of 10.24. Only 2 of the 8 models that produced a number value the shares above the current price. The margin of safety is negative, so the stock fails the "below fair value" Wheel Trade Filter; a premium of this size is common for companies whose growth the models are conservative about.
There is a wide gap between GLS Growth (0.1458) and 10 Cap (59.20). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, SSBI is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 61, growth score 15, out of 100).
Nine valuation models for SSBI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 14.56 | +27% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 4.05 | -65% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 0.8033 | -93% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.1992 | -98% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.1458 | -99% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 59.20 | +418% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 2.39 | -79% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 0.5533 | -95% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -123.83 | -1184% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Summit State Bank scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability SSBI scores 5.5/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 6.3%, ROE 6.7%, ROA 0.7% - with debt at 0.06 times equity and a free-cash-flow yield of 23.0%.
Summit State Bank pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 4/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 6.3% |
|---|---|---|---|
| GLS Moat | 5.5 / 10 | ROE | 6.7% |
| Debt / equity | 0.06 | ROA | 0.7% |
| Free-cash-flow yield | 23.0% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 18: No options
No options are listed on Summit State Bank in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 18, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 7k shares a day on a market cap of $77M, with a beta of 0.20 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 12% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $77M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 12% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.5/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.20, $77M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for SSBI in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Summit State Bank by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| LFGP Ledyard Financial Group, Inc. | 22.50 | 30.14 | +25% | 27No options | $78M |
| RVCB River Valley Community Bancorp | 25.00 | 23.39 | -7% | 18No options | $78M |
| FBTT First Bankers Trustshares, Inc. | 26.50 | 40.44 | +34% | 27No options | $79M |
| REDW Redwood Financial, Inc. | 185.00 | 144.55 | -28% | 19No options | $75M |
| MNMB Merchants & Marine Bancorp, Inc. | 60.00 | 156.76 | +62% | 31No options | $80M |
| CBWA Commencement Bancorp Inc. | 20.05 | 22.16 | +10% | 23No options | $75M |
| JUVF Juniata Valley Financial Corp. | 16.00 | 23.24 | +31% | 35No options | $81M |
| ASRV AmeriServ Financial, Inc. | 4.77 | 4.01 | -19% | 30Weak | $81M |
| GSBX Golden State Bancorp | 40.00 | 66.17 | +40% | 32No options | $73M |
| IBTN InsCorp, Inc. | 28.15 | 14.10 | -100% | 18No options | $82M |
| DWNX Delhi Bank Corp. | 21.50 | 10.62 | -102% | 16No options | $73M |
| UBCP United Bancorp, Inc. | 14.34 | 21.91 | +35% | 37No options | $82M |
⚖ Compare SSBI with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SSBI
Is SSBI undervalued right now?
No: at 11.42 the stock trades 12% above the GLS average fair value of 10.24 (data as of 5 Nov 2026). The margin of safety is negative.
What is the Wheel Score of SSBI and what does it mean?
SSBI has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for SSBI?
10.24 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Summit State Bank report earnings next?
No upcoming earnings date is recorded for SSBI in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does SSBI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SSBI, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.