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SSBI vs SPY

Comparison between Summit State Bank (SSBI, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed SSBI, delivering a return of +13.3% compared to +0.2%

SSBI vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
SSBI
$92M
Winner
SPY
$735B
Expense Ratio
SSBI
N/A
SPY
0.09%
Max Drawdown
SSBI
72.37%
Winner
SPY
56.47%
Sharpe Ratio
SSBI
1.21
Winner
SPY
1.62
5Y Beta
Winner
SSBI
0.19
SPY
1.00
Industry
SSBI
Banks - Regional
SPY
N/A
P/E Ratio
Winner
SSBI
-63.34
SPY
28.99
Forward P/E
SSBI
23.87
Winner
SPY
22.37
PEG Ratio
SSBI
0.00
SPY
N/A
5Y Dividends CAGR
SSBI
-1.73%
Winner
SPY
5.43%
5Y EPS CAGR
SSBI
N/A
SPY
26.05%
Debt to Equity
SSBI
N/A
SPY
32.40%
P/S Ratio
Winner
SSBI
2.80
SPY
3.74
P/B Ratio
Winner
SSBI
0.93
SPY
5.61

SSBI vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
SSBI
-0.45%
Winner
SPY
+1.90%
3M
SSBI
+2.53%
Winner
SPY
+8.55%
6M
Winner
SSBI
+20.36%
SPY
+8.18%
1Y
Winner
SSBI
+35.94%
SPY
+25.79%
5Y(CAGR)
SSBI
+0.20%
Winner
SPY
+13.32%
10Y(CAGR)
SSBI
+6.02%
Winner
SPY
+15.19%
Max(CAGR)
SSBI
+5.00%
Winner
SPY
+8.47%

SSBI vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearSSBISPY
2026+12.43%+8.26%
2025+56.32%+18.00%
2024-33.68%+25.59%
2023-19.38%+26.72%
2022+7.27%-18.64%
2021+34.04%+30.52%
2020+9.58%+17.28%
2019+14.37%+31.09%
2018-4.85%-5.24%
2017+8.39%+20.78%
2016+12.16%+13.59%
2015+2.64%+1.31%
2014+37.07%+14.56%
2013+53.87%+29.00%
2012+32.56%+14.17%
2011-17.86%+0.85%
2010+42.51%+13.14%
2009+26.99%+22.67%
2008-40.10%-36.25%
2007-34.31%+5.32%
2006-13.84%+13.85%
2005N/A+5.32%
2004N/A+10.75%
2003N/A+24.18%
2002N/A-22.42%
2001N/A-10.13%
2000N/A-8.84%
1999N/A+8.61%

SSBI vs SPY Drawdown Comparison

The maximum drawdown for SSBI was -68.67%, occurring on Dec 23, 2008. Recovery took 1845 trading sessions.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SSBI drawdown is -22.21%. The current SPY drawdown is -2.90%.

RankSSBISPY
#1-68.67%
Aug 8, 2006 - Dec 5, 2013		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-64.33%
Aug 4, 2023 - Nov 11, 2024		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-56.23%
Aug 8, 2018 - Jan 12, 2021		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-27.86%
Dec 8, 2022 - Jul 19, 2023		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-22.37%
Mar 19, 2021 - Aug 3, 2021		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-18.82%
Oct 5, 2021 - Dec 7, 2022		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-16.31%
Jan 25, 2021 - Mar 19, 2021		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-12.83%
Feb 23, 2017 - Feb 28, 2018		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-10.85%
Nov 17, 2014 - Sep 11, 2015		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-9.72%
Jul 20, 2023 - Aug 4, 2023		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-9.29%
Aug 3, 2021 - Sep 21, 2021		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-9.17%
Sep 15, 2015 - Apr 19, 2016		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-8.71%
Sep 2, 2014 - Nov 3, 2014		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-7.40%
Dec 5, 2013 - Jan 13, 2014		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-6.46%
Jun 27, 2014 - Sep 2, 2014		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between SSBI and SPY is 0.79 which considered as a strong positive correlation - the stocks tend to move together.

0.79
-101

Dividend Comparison (1999 - 2026)

SSBI vs SPY dividend yield comparison.

YearSSBISPY
20260.00%0.24%
20250.00%1.07%
20243.66%1.21%
20233.90%1.40%
20223.04%1.65%
20212.89%1.20%
20203.56%1.52%
20193.70%1.75%
20184.08%2.04%
20173.62%1.80%
20163.20%2.03%
20153.49%2.06%
20143.17%1.87%
20134.00%1.81%
20125.34%2.18%
20116.93%2.05%
20105.15%1.80%
20096.56%1.95%
20087.83%3.02%
20075.59%1.85%
20061.41%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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