Summit State Bank cash flow to debt ratio of 110.86% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Summit State Bank's free cash flow has increased 16.53% from $5.62M last year to $6.55M, signaling increasing performance

Summit State Bank's debt to equity ratio is 0.06, which means that the company's assets are healthy financed, signaling financial stability.

Summit State Bank's debt has decreased relative to shareholder equity from 0.06 last year to 0.06 today, signaling strengthened financials

Summit State Bank has a net cash position, so leverage is healthy.

Summit State Bank earns at least as much interest as it pays. Interest obligations are fully covered.

Summit State Bank's profit margin has increased (-157.23%) in the last year from -6.76% to 3.87%, signaling increasing performance

Summit State Bank's short-term assets of $65.52M exceed its short-term liabilities of $383.00K

Summit State Bank's return on assets of 0.23% is lower than the 5.00% threshold, indicating inefficient asset utilization

Summit State Bank's return on equity of 2.22%, is lower than 15.00%, indicating bad performance

Summit State Bank's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Summit State Bank had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Summit State Bank has positive free cash flow, indicating the company generates cash after capital expenditures

Summit State Bank has a free cash flow yield of 7.43%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Summit State Bank's yearly earnings has increased -262.08% since last year from $-4.19M to $6.80M, signaling increasing performance

Summit State Bank's yearly revenue has decreased 5.17% since last year from $62.03M to $58.82M, signaling decreasing performance

ROIC 0.23% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Summit State Bank's 3-year revenue CAGR of 1.56% is positive, indicating growing revenue over the past 3 years

Summit State Bank had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Summit State Bank had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Summit State Bank is undervalued relative to its fair value price of 26.34 based on Discounted Cash Flow model

Summit State Bank has an earnings yield of 2.56%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Summit State Bank is undervalued relative to its fair value price of 18.33 based on EBITDA multiple model

Summit State Bank has an EV/EBITDA ratio of 3.05x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Summit State Bank is undervalued relative to its fair value price of 34.84 based on Earnings Fair Value model

Summit State Bank's earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Summit State Bank has a price-to-book ratio of 0.87x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Summit State Bank has a price-to-sales ratio of 1.51x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue