Summit Bank provides banking services and a full range of financial products for individuals and businesses tailored to meet the needs of every client.

Summit Bank

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual cards, co-brand and general purpose credit cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online, mobile, and direct mail; healthcare payments and financing solutions under the CareCredit, Pets Best, and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.

Synchrony Financial

Blue Bird Corporation is a leading manufacturer of school buses, dedicated to designing, building, selling, and servicing the world's finest school buses. With a rich legacy of customer-centric innovation, Blue Bird is committed to making school buses safer for transporting children to and from school.

Metric
Company Name	Summit Bank	Synchrony Financial	Blue Bird Corporation
Symbol		SYF
MSH ID	COM:SUMMITBANKING	COM:SYNCHRONY	COM:BLUEBIRD
Market	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services	Transportation
Industry	Banking	Financial - Credit Services	Transportation
Country	US	US
Stage	Debt Financing
Employee Count		20K	101
Website	summitbanking.com	synchrony.com	bluebird.com
LinkedIn
Founders

Metric
Market Cap		19.31B
Enterprise Value
Monthly Web Traffic	11.15K
Web Traffic Growth	-0.57
Valuation
Raised Capital	20M

Metric
Revenue		13.63B
Revenue (LTM)
Revenue (NTM)
Gross Profit		13.63B
EBITDA		3.36B
Operating Income		2.90B
Net Income		2.24B
EPS		5.21
Diluted EPS		5.19
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin		0.81
Operating Profit Margin		0.40
EBITDA Margin		0.25
Net Profit Margin		0.16
Return on Equity		0.21
Return on Assets		0.02
Return on Capital Employed		0.07

SUMM

COM:SUMMITBANKING

Summit Bank

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio		6.77
P/B Ratio		1.17
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		1.15
EV Multiple		3.59

Metric
Days Sales Outstanding		1.89K
Days Payables Outstanding
Days Inventory Outstanding		2.01K
Operating Cycle		3.83K
Cash Conversion Cycle		3.83K
Asset Turnover		0.16

Metric
Operating Cash Flow		8.59B
Free Cash Flow		8.59B
Cash Flow to Debt		0.61
Operating Cash Flow/Sales		0.52
Free Cash Flow Yield		0.51

Metric
Cash & Equivalents		14.26B
Accounts Receivable		-645M
Inventory
Goodwill		1.02B
Debt to Capitalization		0.59
Debt to Assets		0.13
Current Ratio
Quick Ratio		55.66

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		0.17
R&D to Revenue
SG&A to Revenue		0.09