SMMF — Stock Film
STOCK FILMSCENE 1/11SMMF · $25.70
Stock Expert AI presents
SMMF
Summit Financial Group, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Summit Financial Group, Inc. A quick introduction.

On the stock market since 2000, it operates in the world of money and finance. It has 496 employees. Now — the numbers.

on the stock market since 2000
496 employees
$377.4M market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $21 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 21%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
40%Credit and Debit Card
Credit and Debit Card 40%Deposit Account 38%Fiduciary and Trust 19%Product and Service, Other 3%
40% of all revenue comes from a single line: Credit and Debit Card.

Revenue is spread across several business lines; no single line carries the company.

THE SALES TREND
Sales are growing, year after year.

Average growth of 29% a year over the last 4 years. Every year shown ended in profit.

$94.5M
2019
$113.3M
2020
$127.5M
2021
$144.2M
2022
$263.3M
2023
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
3 / 8
EXPECTATIONS MET OR BEATEN
3
Jul 2022
Oct 2022
Jan 2023
Apr 2023
Jul 2023
Oct 2023
Jan 2024
Apr 2024
3 TIMES IN THE LAST 8 QUARTERS
It misses the bar more often than not.
THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Sales are growing fast8/10
WEAK SPOTS
The stock has lost its spark0/10
THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 18% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 21% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 32% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $0.86 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
Executives lean toward selling

Over the last 12 months, executives reported 72 sells against just 19 buys. Not an alarm bell by itself, but a number worth watching.

2
THE RISKS · 2/2
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, SMMF sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: SMMF is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film