Summit State Bank (SSBI) vs Union Bankshares (UNB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Summit State Bank (SSBI) has outperformed Union Bankshares (UNB) over the past year, gaining 5.5% versus a loss of 8.4%. Over five years, SSBI leads with a -25.6% price change compared with -29.0% for UNB. Union Bankshares is the larger company by market cap ($113.3 million vs $82.7 million), about 1.4 times the size.
On valuation, Union Bankshares trades at a lower trailing P/E (8.8x vs 37.0x for Summit State Bank). Union Bankshares pays a dividend yielding 6.29%, while Summit State Bank does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | SSBI | UNB |
|---|---|---|
| Share price | $12.22 | $22.90 |
| Market cap | $82.69M | $113.26M |
| 1-day change | -3.48% | -0.43% |
| YTD return | +8.86% | -3.08% |
| 1-year return | +5.50% | -8.37% |
| 5-year return | -25.57% | -29.01% |
| P/E ratio (TTM) | 37.03 | 8.84 |
| EPS (TTM) | $0.33 | $2.59 |
| Dividend yield | 0.00% | 6.29% |
| Annual dividend | $0.00 | $1.44 |
| 52-week high | $14.00 | $26.41 |
| 52-week low | $10.35 | $20.65 |
| Distance from 52-week high | -12.71% | -13.29% |
| Average volume | 5.01K | 5.67K |
| Shares outstanding | 6.77M | 4.95M |
| Employees | 103 | 195 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SSBI has outperformed UNB by 13.9 percentage points over the past year.
- Summit State Bank trades at a higher earnings multiple (37.0x vs 8.8x trailing P/E).
- Union Bankshares offers a meaningfully higher dividend yield (6.29% vs 0.00%).
About Summit State Bank
SSBI stock →Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts.
Finance · Major Banks · 103 employees
About Union Bankshares
UNB stock →Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States.
Finance · Major Banks · 195 employees
SSBI vs UNB FAQ
Which is bigger, Summit State Bank or Union Bankshares?
Union Bankshares (UNB) is larger, with a market capitalization of $113.26M compared with $82.69M for Summit State Bank (SSBI).
Which stock has performed better over the past year, SSBI or UNB?
SSBI returned +5.50% over the past 12 months, compared with -8.37% for UNB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SSBI or UNB?
UNB has the lower trailing P/E at 8.8, versus 37.0 for SSBI. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Summit State Bank or Union Bankshares?
Union Bankshares pays a dividend yielding 6.29%, while Summit State Bank does not currently pay a regular dividend.
Are Summit State Bank and Union Bankshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.