Company Valuation: Summit State Bank

Data adjusted to current consolidation scope
Fiscal Period: December 2020 2021 2022 2023 2024 2025
Market Cap 1 81.82 103.6 106.4 83.44 51.84 78.75
Change - 26.57% 2.75% -21.58% -37.87% 51.91%
Enterprise Value (EV) 1 111.7 118.5 77.17 32.47 7.661 20.7
Change - 6.04% -34.87% -57.93% -76.41% 170.17%
P/E 7.79x 7.04x 6.23x 7.61x -12.2x 11.5x
PBR 1.08x 1.23x 1.2x 0.85x 0.57x 0.78x
PEG - 0.2x 0.4x -0.2x 0x -0x
Capitalization / Revenue 2.51x 2.51x 2.25x 2.07x 2.07x 2.4x
EV / Revenue 3.43x 2.87x 1.63x 0.81x 0.31x 0.63x
EV / EBITDA - - - - - -
EV / EBIT - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Dividend per Share 2 0.4364 0.4364 0.48 0.48 0.28 -
Rate of return 3.56% 2.82% 3.04% 3.9% 3.66% -
EPS 2 1.573 2.2 2.537 1.616 -0.6245 1.01
Distribution rate 27.7% 19.8% 18.9% 29.7% -44.8% -
Net sales 1 32.61 41.21 47.38 40.33 25.02 32.81
EBITDA - - - - - -
EBIT - - - - - -
Net income 1 10.52 14.7 16.97 10.82 -4.193 6.796
Net Debt 1 29.92 14.92 -29.24 -50.98 -44.18 -58.06
Reference price 2 12.25 15.49 15.80 12.30 7.65 11.63
Nbr of stocks (in thousands) 6,677 6,685 6,735 6,784 6,777 6,772
Announcement Date 3/24/21 3/28/22 3/22/23 3/29/24 3/28/25 3/23/26
1USD in Million2USD
Estimates

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
- - - - 89.99M
20.49x - - 0.85% 107B
14.28x - - 4.76% 73.13B
7.85x - - 6.56% 61.65B
4.73x - - 6.38% 53.29B
18.8x - - 2.81% 52.47B
9.7x - - 4.38% 43.8B
12.54x - - 5.57% 41.82B
10.15x - - 3.96% 33.59B
9.87x - - 5.77% 32.41B
Average 12.05x 4.56% 49.95B
Weighted average by Cap. 13.16x 4.16%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

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