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 cash flow to debt ratio of Summit State Bank to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see cash flow conversion of Summit State Bank.
Annual Cash Flow Quality Index for Summit State Bank (2003–2025)
Year-by-year earnings quality comparison for 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 | — |