Summit State Bank (SSBI) — Cash Flow Quality Index
Summit State Bank (SSBI) has a Cash Flow Quality Index of 2.48x as of December 2025. Operating cash flow of $2.65 Million exceeds net income of $1.07 Million, indicating high earnings quality where cash backs reported profits. Explore SSBI cash flow metrics to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Summit State Bank Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Summit State Bank across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Summit State Bank investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Summit State Bank (2003–2025)
Year-by-year earnings quality comparison for Summit State Bank. For live market cap and the full company financial profile, see market cap of Summit State Bank.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.97x | $6.59 Million | $6.80 Million | ▲ +541.3% |
| 2023 | -0.22x | $-2.38 Million | $10.82 Million | ▼ -127.2% |
| 2022 | 0.81x | $13.72 Million | $16.97 Million | ▼ -77.2% |
| 2021 | 3.54x | $52.02 Million | $14.70 Million | ▲ +901.2% |
| 2020 | 0.35x | $3.72 Million | $10.52 Million | ▼ -44.6% |
| 2019 | 0.64x | $4.14 Million | $6.48 Million | ▼ -0.7% |
| 2018 | 0.64x | $3.75 Million | $5.83 Million | ▼ -50.1% |
| 2017 | 1.29x | $4.24 Million | $3.29 Million | ▲ +22.5% |
| 2016 | 1.05x | $5.22 Million | $4.97 Million | ▲ +40.3% |
| 2015 | 0.75x | $4.52 Million | $6.03 Million | ▼ -15.5% |
| 2014 | 0.89x | $4.86 Million | $5.49 Million | ▼ -39.9% |
| 2013 | 1.48x | $6.38 Million | $4.32 Million | ▼ -40.3% |
| 2012 | 2.47x | $8.53 Million | $3.45 Million | ▼ -19.0% |
| 2011 | 3.05x | $6.80 Million | $2.23 Million | ▼ -12.8% |
| 2010 | 3.50x | $6.33 Million | $1.81 Million | ▲ +47.4% |
| 2009 | 2.38x | $4.95 Million | $2.08 Million | ▼ -57.7% |
| 2008 | 5.61x | $5.66 Million | $1.01 Million | ▲ +213.4% |
| 2007 | 1.79x | $3.48 Million | $1.94 Million | ▲ +159.4% |
| 2006 | 0.69x | $1.94 Million | $2.81 Million | ▼ -55.6% |
| 2005 | 1.56x | $4.87 Million | $3.13 Million | ▼ -3.9% |
| 2004 | 1.62x | $4.32 Million | $2.67 Million | ▲ +71.0% |
| 2003 | 0.95x | $2.05 Million | $2.17 Million | — |