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SSBI

Summit State BankC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 pre-tax, pre-provision income reached $4.03 million and the Tier 1 leverage ratio was 11.03%. If credit costs normalize while margin holds, earnings could recover.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.5.
What can break
Commercial real estate comprised 79% of loans at September 30, including office exposure; collateral revaluations could generate further credit costs. [#PR-2026-10-27] Company-issued release
Momentum
40
Value
59
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $11.70 · Bull $14.00 · Bear $8.80Analysis 2026-10-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-29

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum40 · Δ7d -
Value59 · Δ7d +0.5
Sentiment54 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.5.

Contradictions & invalidation

  • • Commercial real estate comprised 79% of loans at September 30, including office exposure; collateral revaluations could generate further credit costs. [#PR-2026-10-27] Company-issued release
  • • Deposits declined 2% quarter over quarter and 7% year over year, limiting confidence that margin improvement can translate into durable earnings growth. [#PR-2026-10-27] Company-issued release
  • • The $5.69 million provision, continued problem assets and shrinking loans and deposits leave the earnings recovery unproven.

Catalyst clock

2026-10-27

Credit provision dominates Q3 earnings

Lead driver: Value · See fundamentals
Momentum
40
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
+3.5
Sentiment
54
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 40.3 / Value 59.2 / Sentiment 54.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-29. Scenario method

B+
Bull case
20%
Probability
Target price
$14.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$11.70
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$8.80
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$79.77M
Beta
0.19
Shares Out
6.77M
P/E (TTM) · Derived
11.7
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 2026-10-29 • Updated nightlySource: Internal modelMethods & Data