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Summit State Bank
SSBIFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $58.82M | 11.6% | $6.82M | $6.53M | N/A |
| 2027 | $64.70M | 11.6% | $7.51M | $7.18M | $6.53M |
| 2028 | $71.17M | 11.6% | $8.26M | $7.90M | $6.53M |
| 2029 | $78.29M | 11.6% | $9.08M | $8.69M | $6.53M |
| 2030 | $86.12M | 11.6% | $9.99M | $9.56M | $6.53M |
| 2031 | $94.73M | 11.6% | $10.99M | $10.52M | $6.53M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.01 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $10.591 | EPS × (1 + G)^5 |
| Base P/E | 11.5 | P/E |
| Future price | $121.79 | Future EPS × P/E |
| Fair value today | $75.623 | PV @ 10.0% |
| 30% safety price | $52.936 | Margin of safety |
| 50% safety price | $37.812 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $31.761 | $34.375 | $37.94 |
| 10.0% | $29.12 | $31.047 | $33.568 |
| 11.0% | $27.038 | $28.506 | $30.365 |