SSBI

Summit State BankC

Nasdaq / Banks

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AI scenario view

RankAlpha Sentiment CodexPost-earnings T+1

B+

Bull case

20%

Probability

Target price

$14.00

Analysis reference price unavailable

Analysis 2026-10-29 · RankAlpha Sentiment Codex

Most likely

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

The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented

AI sentiment snapshot

Latest data as of 2026-10-29

AI commentary

The company released results on October 27. Shares closed at $12.02 that day and at the packet's $11.71 anchor on October 28, a 2.6% next-day decline; this timing does not establish that earnings alone caused the move. Historical prices No verified post-print analyst revisions or consensus beat/miss data were found. Sentiment metrics other than low headline buzz are unavailable; zero placeholders above do not represent measured values.

RankAlpha Sentiment Codex - 2026-10-29

Open post-earnings memo

Evidence flagged

No evidence quality warning is currently attached to this memo.

Impact

standard

Confidence

AI events

2026-10-27catalystCredit provision dominates Q3 earningsMedium impact

The bank reported a Q3 net loss of $1.10 million, or $0.16 per share, after a $5.69 million loan-loss provision. This is the substantive earnings event; the packet's October 28 date was a scheduled follow-up, not the release date. [#PR-2026-10-27] Company-issued release

2027-01-27eventEvidence of problem-loan resolutionHigh impact

Nonperforming assets were nearly flat quarter over quarter at $20.68 million despite charge-offs, while the loan-loss allowance rose to 2.36% of loans. A sustained decline in problem assets without another large provision would strengthen the recovery case; the next reporting date is unconfirmed. [#PR-2026-10-27] Company-issued release

2027-10-29catalystMargin gains versus balance-sheet contractionMedium impact

Q3 net interest margin improved year over year to 3.87%, but net loans and deposits fell 11% and 7%, respectively, year over year. The question is whether the bank can retain the margin benefit while stabilizing balances. [#PR-2026-10-27] Company-issued release

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Recommendation

N/A

No formal recommendation provided.

Open AI Memo

As of 2026-10-29 • Updated nightlySource: Internal modelMethodology