Company Valuation: Summit State Bank

Data adjusted to current consolidation scope
Fiscal Period: December 2020 2021 2022 2023 2024 2025
Market Cap 1 81.82 103.6 105.7 82.38 51.4 78.32
Change - 26.57% 2.04% -22.04% -37.6% 52.37%
Enterprise Value (EV) 1 111.7 118.5 76.43 31.41 7.221 20.26
Change - 6.04% -35.49% -58.91% -77.01% 180.59%
P/E 7.79x 7.04x 6.23x 7.61x -12.2x 11.5x
PBR 1.08x 1.23x 1.19x 0.84x 0.56x 0.77x
PEG - 0.2x 0.4x -0.2x 0x -0x
Capitalization / Revenue 2.51x 2.51x 2.23x 2.04x 2.05x 2.39x
EV / Revenue 3.43x 2.87x 1.61x 0.78x 0.29x 0.62x
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 6,688 6,698 6,719 6,734
Announcement Date 3/24/21 A 3/28/22 A 3/22/23 A 3/29/24 A 3/28/25 A 3/23/26 A
1USD in Million2USD
Estimates


P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
- - - - 85.02M
6.42x - - 4.99% 349B
16.59x - - 1.02% 100B
15.23x - - 4.41% 80.7B
7.74x - - 6.49% 63.11B
5.05x - - 5.94% 56.15B
17.24x - - 3.07% 47.98B
12.93x - - 5.45% 43.61B
9.03x - - 4.76% 40.49B
11.14x - - 3.66% 37.83B
Average 11.26x 4.42% 81.92B
Weighted average by Cap. 9.87x 4.47%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA


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