SBKO Stock Overview

Operates as the bank holding company for Summit Bank that provides commercial banking, financing, real estate lending, and other services to personal and business customers in Oregon. More details

SBKO fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 57.2% below our estimate of its fair value

Risk Analysis

Volatile share price over the past 3 months compared to the US market

My Notes

Capture your thoughts, links and company narrative

Summit Bank Group, Inc. Competitors

Main Street Financial Services

OTCPK:MSWV

US$112.3m

Foresight Financial Group

OTCPK:FGFH

US$122.1m

American Riviera Bancorp

OTCPK:ARBV

US$114.8m

Ohio Valley Banc

NasdaqGM:OVBC

US$116.8m

Price History & Performance

Summary of share price highs, lows and changes for Summit Bank Group
Historical stock prices
Current Share Price	US$15.00
52 Week High	US$17.39
52 Week Low	US$10.11
Beta	0.39
1 Month Change	7.91%
3 Month Change	19.52%
1 Year Change	27.12%
3 Year Change	0%
5 Year Change	24.17%
Change since IPO	290.63%

Recent updates

Shareholder Returns

	SBKO	US Banks	US Market
7D	-13.7%	-3.4%	-2.4%
1Y	27.1%	29.1%	23.4%

Return vs Industry: SBKO underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: SBKO exceeded the US Market which returned 23.4% over the past year.

Price Volatility

Is SBKO's price volatile compared to industry and market?
SBKO volatility
SBKO Average Weekly Movement	10.5%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: SBKO's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: SBKO's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

Founded	Employees	CEO	Website
2004	n/a	Craig Wanichek	sbko.bank

Summit Bank Group, Inc. operates as the bank holding company for Summit Bank that provides commercial banking, financing, real estate lending, and other services to personal and business customers in Oregon. It accepts various deposit products; certificate of deposit and money market accounts; and offers loan products, including commercial real estate, multi-family real estate, commercial and industrial, and secured and unsecured consumer loans, as well as real estate acquisition, development, and construction loans. The company also provides retail lockbox, online and mobile banking, remote deposit capture, and debit and credit card services.

Summit Bank Group, Inc. Fundamentals Summary

How do Summit Bank Group's earnings and revenue compare to its market cap?
SBKO fundamental statistics
Market cap	US$115.17m
Earnings (TTM)	US$9.97m
Revenue (TTM)	US$42.08m

11.5x

P/E Ratio

1.1x

P/B Ratio

Is SBKO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SBKO income statement (TTM)
Revenue	US$42.08m
Cost of Revenue	US$0
Gross Profit	US$42.08m
Other Expenses	US$32.11m
Earnings	US$9.97m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.30
Gross Margin	100.00%
Net Profit Margin	23.70%
Debt/Equity Ratio	17.5%

How did SBKO perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 06:40
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Summit Bank Group, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution