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SSBI

Summit State BankC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The operating recovery case rests on improving NIM, lower funding costs, disciplined expenses, and a strong 10.67% Tier 1 leverage ratio. If credit losses stabilize, the stock could move toward book value.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Dividend suspension and absent analyst coverage reduce near-term capital-return and price-discovery support [#PR-2025-04-29].
Momentum
40
Value
56
Sentiment
64
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $12.75 · Bull $14.25 · Bear $10.25Analysis 2026-07-31; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum40 · Δ7d -
Value56 · Δ7d +1.3
Sentiment64 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Dividend suspension and absent analyst coverage reduce near-term capital-return and price-discovery support [#PR-2025-04-29].
  • • Elevated non-performing assets, non-performing loans, and credit-loss provisioning could pressure earnings and tangible value.
  • • Credit losses and elevated non-performing assets could offset margin gains.

Catalyst clock

2026-07-28

Q2 2026 earnings follow-up remains unverified

Lead driver: Sentiment · See AI snapshot
Momentum
40
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
56
28% active weight
Current posture
7d trendImproving
Δ7d
+1.3
Δ21d
-0.8
Sentiment
64
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 40.3 / Value 55.9 / Sentiment 64.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method

B+
Bull case
20%
Probability
Target price
$14.25
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$12.75
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$10.25
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$87.49M
Beta
0.19
Shares Out
6.77M
P/E (TTM) · Derived
12.8
P/S (TTM)
2.26
P/FCF (TTM)
175.48
Rev YoY
-3.5%
EPS YoY
-154.0%
Gross Margin
-
Op Margin
+5.1%
Net Debt
-$58.06M
Current Ratio
0.18
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data