Summit State Bank Cash Flow Quality Index
Summit State Bank cash flow quality index. Summit State Bank (SSBI) has a Cash Flow Quality Index of 2.25x as of March 2026. Operating cash flow of $3.77 Million exceeds net income of $1.67 Million, indicating high earnings quality where cash backs reported profits. See SSBI free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Summit State Bank (2003–2025)
Cash flow quality index of Summit State Bank from 2003 to 2025. Historical Cash Flow Quality Index for Summit State Bank across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore debt repayment capacity of Summit State Bank to assess how comfortably operating cash covers total debt obligations.
Summit State Bank Cash Flow Quality Index by Year (2003–2025)
Summit State Bank cash flow quality index by year from 2003 to 2025. Year-by-year earnings quality comparison for Summit State Bank. For the full cash flow conversion analysis, see cash flow conversion 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 | — |