SSBI_OUT_1 [2025-04-29 12:31:51 -0400] 4990 Bytes | 1369 tokens | Cum: 1369 tkns (17.11% of 8k)
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Turbo, you got one job - predict the hottest stocks of the day -- before everyone else does! So today we're looking at Summit State Bank (SSBI) which is at $8.75 up from $7.80. So, I pulled together a bunch of data for you to look over real fast. It's still early, 12:31 PM on Tue Apr 29, 2025. So, what's the verdict? You're the expert!

--- COMPANY PROFILE ---
Company: Summit State Bank (SSBI)
IPO: IPO date unknown
Shares Outstanding: 6,680,000
Exchange: XNAS

Here’s a list of headlines for Summit State Bank:

Today 09:00AM - Summit State Bank Earns $2.5 Million, or $0.37 Per Diluted Share, in First Quarter 2025
Mar-28-25 07:00PM - Summit State Bank Reports Revised Fourth Quarter 2024 Financial Results
Feb-13-25 12:19AM - Is Summit State Bank (SSBI) the Worst Performing Bank Stock in 2024?
Jan-28-25 11:30AM - Summit State Bank Reports Fourth Quarter 2024 Financial Results
Oct-30-24 09:00AM - Summit State Bank Reports Net Income of $626,000 for Third Quarter 2024
Sep-12-24 09:00AM - Summit State Bank Declares Quarterly Cash Dividend
Jul-31-24 06:00PM - Summit State Bank Reports Net Income of $928,000 for Second Quarter 2024
Apr-30-24 01:53PM - SSBI Stock Earnings: Summit State Bank Reported Results for Q1 2024
Apr-30-24 01:53PM 09:00AM - Summit State Bank Reports Net Income of $1.4 Million for First Quarter 2024; Declares Quarterly Cash Dividend of $0.12 Per Common Share
Mar-29-24 11:00PM - Summit State Bank welcomes Dr. Frank Chong and James Finley to its Board of Directors
Jan-30-24 09:00AM - Summit State Bank Reports Net Income of $10.8 Million for the Year 2023; Declares Quarterly Cash Dividend of $0.12 Per Common Share
Oct-25-23 09:00AM - Summit State Bank Reports Net Income of $1.8 Million for Third Quarter 2023; Declares Quarterly Cash Dividend of $0.12 Per Common Share
Aug-04-23 06:05AM - Summit State Bank (NASDAQ:SSBI) Could Be A Buy For Its Upcoming Dividend
Aug-01-23 01:01PM - Summit State Bank Ranked a Top Bay Area Corporate Philanthropist by San Francisco Business Times
Jul-29-23 08:04AM - Summit State Bank (NASDAQ:SSBI) Has Affirmed Its Dividend Of $0.12
Jul-27-23 09:00AM - Summit State Bank Comments on Big Poppy Bancorp, Inc.s Federal Reserve Application
Jul-25-23 09:00AM - Summit State Bank Reports Net Income of $3.0 Million for Second Quarter 2023; Declares Quarterly Cash Dividend of $0.12 Per Common Share
Jul-05-23 06:03AM - Investors in Summit State Bank (NASDAQ:SSBI) have seen notable returns of 90% over the past three years
Jun-21-23 04:00PM - Summit State Bank Named to CB Durable Performance Index
Jun-20-23 04:00PM - Summit State Bank Ranks #18 on American Banker Magazines Top 200 Publicly Traded Community Banks list
Jun-14-23 02:08PM - Pleasing Signs As A Number Of Insiders Buy Summit State Bank Stock \
May-26-23 08:35AM - Community Banks Virtual Investor Conference: Presentations Now Available for Online Viewing

Here's another list of headlines with menu handles.
I will deliver the full text of the following stories when you say their handle.
Just say, for example, B1, B2, etc.

B1 - 2024-09-12T13:00:00Z - Summit State Bank Declares Quarterly Cash Dividend
B2 - 2024-03-30T03:00:00Z - Summit State Bank welcomes Dr. Frank Chong and James Finley to its Board of Directors
B3 - 2023-08-01T17:01:00Z - Summit State Bank Ranked a Top Bay Area Corporate Philanthropist by San Francisco Business Times
B4 - 2023-07-27T13:00:00Z - Summit State Bank Comments on Big Poppy Bancorp, Inc.’s Federal Reserve Application
B5 - 2023-06-21T20:00:00Z - Summit State Bank Named to CB Durable Performance Index™
B6 - 2023-06-20T20:00:00Z - Summit State Bank Ranks #18 on American Banker Magazine’s Top 200 Publicly Traded Community Banks list

==============
-> THE ROLE FOR AI:
==============

1) You are the **AI analyst-investigator**, and this interaction represents a full **due diligence session** for Summit State Bank (SSBI).
Due diligence includes financial data, insider trading, relevant news, and any SEC filings — and may extend beyond classic fundamentals.
Your task is to identify whether this stock has momentum and potential.

2) I am **ScanScor**, a unified report generator that archives this session as part of our real-time diligence record.

3) You will request information by referencing documents by their code.

4) As the analysis proceeds, your are encouraged to review documents until you feel confident in your judgment.
After seeing 3 sets of news articles, SEC docs, and financials, you'll be prompted to return some data pairs.

5) News articles, SEC filings, and key metrics will be revealed in subsequent prompts.

Stay focused. Gather evidence. Continue until your conclusions are clear.
Restrict all your responses to just 3 tokens until the summary and data pairs at the end.

NEXT: Request a document with its reference code(s), such as:
- `B1`, `B2`, `B3`, etc.
- To load a new set of information and menu options, reply with: `NEX`

SSBI_OUT_3 [2025-04-29 12:31:52 -0400] 841 Bytes | 211 tokens | Cum: 1582 tkns (19.78% of 8k)
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Showing B1 (chunk 1 of 1): B1:
**Summit State Bank Declares Quarterly Cash Dividend**Date: Unknown DateSource: Unknown SourceURL: https://www.globenewswire.com/news-release/2024/09/12/2945232/7752/en/Summit-State-Bank-Declares-Quarterly-Cash-Dividend.htmlSummit State Bank has reduced its quarterly cash dividend to common shareholders from $0.04 per share to a lower amount, citing the current rate environment and its impact on earnings. The bank aims to improve capital ratios, increase liquidity, and position itself better for long-term value creation during economic uncertainty.

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_5 [2025-04-29 12:31:53 -0400] 940 Bytes | 299 tokens | Cum: 1883 tkns (23.54% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-04-29T13:23:30Z - Summit State Bank Earns $2.5 Million, or $0.37 Per Diluted Share, in First Quarter 2025...
A2 - 2025-04-29T13:30:32Z - Summit State Bank Earns $2.5 Million, or $0.37 Per Diluted Share, in First Quarter 2025 | Taiwan New...
A3 - 2025-04-29T13:08:21Z - Summit State Bank Earns $2.5 Million, or $0.37 Per Diluted Share, in First Quarter 2025...
A4 - 2025-04-22T10:27:50Z - M3F Inc. Takes Position in Summit State Bank (NASDAQ:SSBI)...
A5 - 2025-04-20T05:43:07Z - Summit State Bank (NASDAQ:SSBI) Sees Large Decrease in Short Interest...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

SSBI_OUT_7 [2025-04-29 12:31:53 -0400] 404 Bytes | 107 tokens | Cum: 1992 tkns (24.90% of 8k)
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Showing A1 (chunk 1 of 1):

[INFO] Your document request exceeded 20000 characters. If you need more, please request additional documents separately.

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_9 [2025-04-29 12:31:54 -0400] 1079 Bytes | 365 tokens | Cum: 2359 tkns (29.49% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2009-11-13 10-Q Item 1. Fin Stmnts

SKAGIT STATE BANCORP, INC. & SUBSIDIARY

CONS BAL SHEET (Unaudited)

(dollars in thousands except share data)

September 30, 2009

December 31, 2008

ASSETS

ASSETS

Cash and due from banks

$

11,047

$

11,954

Federal f...

S2 - 2009-08-13 10-Q Item 1. Fin Stmnts

SKAGIT STATE BANCORP, INC. & SUBSIDIARY

CONS BAL SHEET (Unaudited)

(dollars in thousands except share data)

June 30, 2009

December 31, 2008

ASSETS

ASSETS

Cash and due from banks

$

10,682

$

11,954

Federal funds ...

S3 - 2009-05-14 10-Q Item 1. Fin Stmnts

SKAGIT STATE BANCORP, INC. & SUBSIDIARY

CONS BAL SHEETS (Unaudited)

(dollars in thousands except share data)

March 31, 2009

December 31, 2008

ASSETS

ASSETS

Cash and due from banks

$

9,746

$

11,954

Federal funds...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

SSBI_OUT_11 [2025-04-29 12:31:55 -0400] 1181 Bytes | 366 tokens | Cum: 2727 tkns (34.09% of 8k)
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Showing S1 (chunk 1 of 6): S1:
Item 1. Financial Statements

SKAGIT STATE BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED BALANCE SHEET (Unaudited)

(dollars in thousands except share data)

September 30, 2009

December 31, 2008

ASSETS

ASSETS

Cash and due from banks

$

11,047

$

11,954

Federal funds sold and interest-bearing bank balances

41,108

Investment securities

Available-for-sale, at fair value

109,145

102,647

Held-to-maturity, at amortized cost

40,011

36,518

Loans held for sale

Loans

382,401

399,225

Allowance for loan losses

(5,798

)

(5,450

)

Net loans

376,603

393,775

Bank premises and equipment, net

10,631

11,480

Other real estate owned

6,537

5,667

Accrued interest receivable

2,606

2,430

Other assets

1,354

2,055

TOTAL ASSETS

$

599,455

$

566,876

LIABILITIES AND STOCKHOLDERS EQUITY

LIABILITIES

Deposits

Interest-be

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_13 [2025-04-29 12:31:56 -0400] 1181 Bytes | 352 tokens | Cum: 3081 tkns (38.51% of 8k)
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Showing S1 (chunk 2 of 6): aring

$

454,217

$

394,422

Non-interest-bearing

64,004

75,116

Total deposits

518,221

469,538

Other borrowings

15,826

32,665

Other liabilities

2,018

2,872

Total liabilities

536,065

505,075

STOCKHOLDERS EQUITY

Common stock no par value, 5,000,000 shares authorized, 586,695 and 586,285 shares issued and outstanding at September 30, 2009 and December 31, 2008 respectively

12,238

12,042

Accumulated other comprehensive income, net of tax

2,655

2,325

Retained earnings

48,497

47,434

Total stockholders equity

63,390

61,801

TOTAL LIABILITIES AND STOCKHOLDERS EQUITY

$

599,455

$

566,876

See accompanying notes to these consolidated financial statements

SKAGIT STATE BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENT OF INCOME (Unaudited)

Three months ended Sept. 30,

Nine months ended Sept. 30,

(dollars in thousands e

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_15 [2025-04-29 12:31:57 -0400] 1181 Bytes | 384 tokens | Cum: 3467 tkns (43.34% of 8k)
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Showing S1 (chunk 3 of 6): xcept share data)

INTEREST INCOME

Interest and fees on loans

$

5,791

$

6,516

$

17,458

$

19,187

Investment securities

Taxable

1,051

1,225

3,165

4,094

Exempt from federal income tax

Federal funds sold

Total interest income

7,146

8,043

21,501

24,490

INTEREST EXPENSE

Deposits

1,736

2,213

5,213

7,636

Other borrowings

Total interest expense

1,806

2,344

5,436

8,020

NET INTEREST INCOME

5,340

5,699

16,065

16,470

Provision for loan losses

1,320

2,220

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

4,020

4,939

13,845

15,710

NON-INTEREST INCOME

Service charges on deposits

2,259

2,322

Other

Gain on sale of assets

Total non-interest income

1,028

1,290

3,015

3,323

NON-INTEREST EXPENSES

Salaries

1,897

2,058

5,769

5,938

Payroll taxes and employee benefits

1,426

1,400

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_17 [2025-04-29 12:31:58 -0400] 1181 Bytes | 390 tokens | Cum: 3859 tkns (48.24% of 8k)
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Showing S1 (chunk 4 of 6):

Write-down of other real estate owned

1,369

1,369

Bank premises and equipment

Occupancy

State business taxes

Advertising

Other

1,163

1,016

3,953

2,870

Total non-interest expenses

4,717

5,668

14,193

13,867

INCOME BEFORE PROVISION (BENEFIT) FOR INCOME TAX

2,667

5,166

PROVISION (BENEFIT) FOR INCOME TAX

Provision (benefit) for income tax

(83

)

Deferred

(7

)

Total provision (benefit) for income tax

(83

)

NET INCOME

$

$

$

2,387

$

4,255

BASIC EARNINGS PER SHARE

$

0.51

$

1.10

$

4.07

$

6.94

DILUTED EARNINGS PER SHARE

$

0.51

$

1.09

$

4.04

$

6.89

DIVIDENDS DECLARED PER SHARE

$

0.00

$

0.00

$

2.25

$

2.25

See accompanying notes to these consolidated financial statements

SKAGIT STATE BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY A

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
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**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_19 [2025-04-29 12:31:59 -0400] 1181 Bytes | 352 tokens | Cum: 4213 tkns (52.66% of 8k)
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Showing S1 (chunk 5 of 6): ND COMPREHENSIVE INCOME (Unaudited)

Nine months ended September 30, 2009 and 2008

Accum. Other

Total

Common Stock

Comprehensive

Retained

Stockholders

Comprehensive

(dollars in thousands except share and per share amounts)

Shares

Amount

Income

Earnings

Equity

Income

BALANCE, January 1, 2008

670,997

$

13,564

$

$

58,425

$

72,683

Comprehensive income:

Net income

4,255

4,255

$

4,255

Other comprehensive income:

Unrealized losses on available-for-sale securities, net of tax benefit of $178

(347

)

(347

)

(347

)

Total other comprehensive loss

(347

)

Comprehensive income

$

3,908

Cash dividend declared, $2.25 per share

(1,323

)

(1,323

)

Common stock redemption

(85,022

)

(1,721

)

(13,583

)

(15,304

)

Stock compensation expense and restricted stock awards

BALANCE, September 30, 2008

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
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**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_21 [2025-04-29 12:31:59 -0400] 790 Bytes | 240 tokens | Cum: 4455 tkns (55.69% of 8k)
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Showing S1 (chunk 6 of 6):

586,075

$

11,989

$

$

47,774

$

60,110

BALANCE, January 1, 2009

586,285

$

12,042

$

2,325

$

47,434

$

61,801

Comprehensive income:

Net income

2,387

2,387

$

2,387

Other comprehensive income:

Unrealized gain on available-for-sale securities, net of taxes of $170

Total other comprehensive income

Comprehensive income

$

2,717

Cash dividend declared, $2.25 per share

(1,324

)

(1,324

)

Stock options exercised

Stock compensation expense an...

Respond with ONLY ONE of the following (3 characters max):
- `MOR` to continue this item
- `NEX` to move to the next set of documents
- `C2`, `S3`, etc. to request another document
**DO NOT SUMMARIZE. DO NOT EXPLAIN.** Wait until all data is presented.

SSBI_OUT_23 [2025-04-29 12:32:08 -0400] 4923 Bytes | 1162 tokens | Cum: 5619 tkns (70.24% of 8k)
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This is our set of metrics for Summit State Bank.
Please analyze the numbers.

+--------------------+----------------------+------------------------+-----------------------+
| Volume: 20,587 | Perf Month: -3.03% | Option/Short: No / Yes | Sales Y/Y TTM: -4.93% |
+--------------------+----------------------+------------------------+-----------------------+
| Avg Volume: 15.55K | Perf Quarter: 18.68% | Short Float: 0.86% | ROE: -4.43% |
+--------------------+----------------------+------------------------+-----------------------+
| Rel Volume: 2.93 | Index: - | Short Ratio: 2.68 | ROI: -4.26% |
+--------------------+----------------------+------------------------+-----------------------+
| RSI (14): 57.51 | Market Cap: 59.82M | Short Interest: 0.04M | Sales Surprise: - |
+--------------------+----------------------+------------------------+-----------------------+
| ATR (14): 0.42 | Shs Outstand: 6.78M | Beta: 0.14 | EPS Surprise: - |
+--------------------+----------------------+------------------------+-----------------------+
| SMA20: 5.91% | Shs Float: 4.85M | Sales Q/Q: 1.84% | P/E: - |
+--------------------+----------------------+------------------------+-----------------------+
| SMA50: 5.34% | Inst Own: 20.46% | Sales past 5Y: 14.25% | Earnings: - |
+--------------------+----------------------+------------------------+-----------------------+
| SMA200: 10.37% | Insider Own: 27.33% | Employees: 106 | |
+--------------------+----------------------+------------------------+-----------------------+
| Perf Week: 12.00% | Insider Trans: - | Debt/Eq: 0.08 | |
+--------------------+----------------------+------------------------+-----------------------+

The next section covers any insider trading by Summit State Bank officers or majority shareholders (if available).

[Company Financial Summary]
[Company Details]
Name: N/A
Market Cap: N/A
Shares Outstanding: N/A
Sector: N/A

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): N/A
Net Income: N/A
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 8.75
Average Volume: 13441.0
30-Day High: 9.23
30-Day Low: 7.7963
No detailed financial data available.
==== END OF FINANCIAL REPORT ====

You are now requested to write a summary analysis of Summit State Bank (SSBI).

Please complete the report using the exact format:
FIELD[value]

1) BRIEF_SUMMARY[]
One well-worded paragraph summarizing your findings about Summit State Bank.

2) MARKET_SCORE[]
This conversation was initiated because SSBI is currently experiencing upward price and volume movement.
Estimate a number between 1–100 based on the likelihood of a continued upward price move for SSBI.
Weigh relevant data — news, filings, fundamentals, and metrics — and assign appropriate weight.

3) PRICE_TARGET[]
Suggest a price, based on all prior evidence and past price behavior, SSBI could reach in the current or upcoming trading sessions (1–5 days).
For example, if you expect SSBI to increase 50% from its current price of $0.00, say: PRICE_TARGET[0.0]

4) AI_RPT_HEADLINE[]
Write a thought-provoking 8–12 word headline summarizing this report.

5) SQUEEZE_POTENTIAL[]
Give a score from 1 to 100 representing the potential for this stock to become an active short squeeze play.
Be honest and unbiased. Consider short interest/float, price movement, volume, news strength, and volatility potential.

6) TAGS[]
List 3–6 comma-separated tags (e.g., biotech, earnings beat, squeeze setup)

7) STOCK_TYPE[]
Choose the most accurate classification: growth, value, turnaround, hype, squeeze, dividend, speculative, or other.

8) PRIMARY_CATALYST[]
e.g., earnings report, FDA approval, partnership, etc.

9) SENTIMENT[]
bullish, bearish, neutral, or mixed

10) IMPROVEMENT_SUGGESTION[]
If you believe some key info was missing, state what would have significantly improved your analysis of Summit State Bank.

11) ETHICAL_RATING[]
Rate Summit State Bank’s alignment with long-term shareholder interests, using a letter grade from A (high alignment) to F (low alignment).
Base this on actions such as insider buying/selling, share dilution, follow-through on public statements, and compensation practices.

12) UPCOMING_CATALYST[]
Specify any upcoming events you expect would be a catalyst affecting the share-price of Summit State Bank.
Provide any reasons you can use to support it.

Return only: FIELD[value] for each of the above 12 questions.
Respond with all data pairs. Take your best guess if you have to, but don't leave blank items.
Do not explain your answers. Return only the required fields in the exact format shown.

Finally, thank you for participating!

SSBI_IN_25 [2025-04-29 12:32:08 -0400] 126 Bytes | 29 tokens | Cum: 5893 tkns (73.66% of 8k)
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====================================
[2025-04-29 12:32:08] # Analysis Completed
Elapsed Time: 18.46 seconds