B+
Bull case
20%
Probability
Target price
$14.25
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
SSBI
Summit State BankCNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
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 2026-07-31
Recent news sentiment (30D)
+20.8
Positive
Company
-
Unavailable
Macro
+20.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+65.3
Score
AI commentary
The packet provides low coverage, no social context, no analyst targets, and no verified post-print market attribution. The 2026-07-30 anchor price was $12.495, but the earnings-specific surprise, revision, and reaction signals remain unavailable; this is a cautious monitoring view.
RankAlpha Sentiment Codex - 2026-07-31
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-28eventQ2 2026 earnings follow-up remains unverifiedMedium impact
The scheduled 2026-07-28 post-earnings check has not yielded a verified Q2 release, 8-K exhibit, transcript, consensus surprise, or analyst revision. The latest verified company earnings release showed Q1 2026 NIM expansion and stronger pre-tax, pre-provision income, but also elevated credit metrics [#IR-2026-04-28].
2026-09-30catalystCredit-quality deterioration remains the near-term overhangHigh impact
Q1 2026 non-performing assets were 3.53% of assets, non-performing loans were 4.15% of loans, and allowance coverage was 1.96%; management was monitoring two newer non-accrual relationships and pursuing a $13 million substandard-loan sale [#IR-2026-04-28].
2026-09-30catalystMargin recovery and operating efficiencyHigh impact
Q1 2026 NIM improved to 3.77% from 3.19% year over year, while pre-tax, pre-provision income increased to $3.32 million from $2.47 million. Sustained repricing and lower deposit costs could support earnings capacity [#IR-2026-04-28].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-31 • Updated nightlySource: Internal modelMethodology