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 strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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 how tangible is Summit State Bank's equity to evaluate the tangible quality of the company's equity base.
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 Summit State Bank market cap and net worth.
| 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 | — |