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Solvay Bank Corp (SOBS) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Solvay Bank Corp stock $26.71, price $35.00, that is 23.7% below the price, quality 47 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SB Solvay Bank Corp logo Some data Nov 8, 2026

Solvay Bank Corp

SOBS · US
Expensive, weak quality

Our calculation puts a fair price 24% below what the stock costs today.

Solidly profitable · 10.8% net margin (FY2025)
Quality 47/100
Mixed Growth (revenue 5y +8.1 %/yr in USD)
Some data
Fair value $26.71 · Overvalued
Trails peers (2/12)
Narrow moat 38/100
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$37.00 $17.21 Fair Value $26.71 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $17.21 – $37.00 · fair‑value band $26.39 – $36.73 · the $35.00 price screens above the $26.71 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Solvay Bank Corp. operates as the bank holding company for Solvay Bank that provides various banking products and services in New York. It offers checking and NOW accounts, savings accounts, certificates of deposit, individual retirement accounts, health savings accounts, and money market accounts.

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The company also provides home equity, mortgage, improvement, auto, recreational vehicle, and personal loans, as well as checking lines of credit; commercial real estate loans, working capital loans, business lines of credit, business term loans, small business administration loans, and New York state lending programs; and personal and business credit cards.

In addition, it offers trust and investment services; auto, home, personal, life, long-term care insurance, commercial property, commercial umbrella, liability, inland marine, and workers compensation insurance products; and online and digital banking, mobile pay, positive pay, merchant card, remote deposit capture, and other services.

Solvay Bank Corp. was founded in 1917 and is based in Solvay, New York.

Stock analysis

Solvay Bank Corp (SOBS) currently trades at $35.00, while our model-based Fair Value estimate is $26.71, 24% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $40.46 per share, and 1 of the 6 models we run sit above the $35.00 price.

Bear case: the Dividend Discount group reads lowest at $17.24, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $26.39 (bear) to $36.73 (bull), the price of $35.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Solvay Bank Corp reported revenue of $53.0M in FY2025 versus $36.9M in FY2021, a compound +9.5%/yr. Reported net income was $5.8M in FY2025, compounding −13.5%/yr from FY2021.

Key figures

Market cap $88.7M Micro · P/E ratio 15.4 · P/S ratio 1.67 · EPS (TTM) $2.27 · Dividend yield 4.9% · Net margin 10.8% · Return on assets (EBIT) 0.8% (5-year average) · Free cash flow $5.0M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −24%, SOBS screens cheaper than that median.

Fair Value models

Bear $26.39 Fair Value $26.71 Bull $36.73
Price $35.00 · Downside -23.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.95 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $26.39 $26.71 $28.00 76
Gordon GGM $12.00 $18.14 $23.67 69
DDM Multi-Stage $12.00 $16.34 $20.13 67
All 6 models by family
Dividend Discount
Gordon GGM $12.00 $18.14 $23.67 69
DDM Multi-Stage $12.00 $16.34 $20.13 67
Multiples
P/E Multiple $22.12 $29.50 $36.87 63
P/B Multiple $38.57 $51.42 $64.28 55
Asset-Based
NCAV (Graham) $18.37 $24.61 $36.73 51
Economic Profit
Residual Income $26.39 $26.71 $28.00 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 47/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 22
How much profit the company makes from its sales and capital
Quality Growth 56
Are margins and returns getting better?
Cashflow 52
Do the profits arrive as real cash?
Financial strength 3
Debt, balance sheet and risk of trouble
Investment 77
Does it invest with discipline instead of growing at any price?
Low Volatility 77
How calm the share price moves, does not count
Price momentum 65
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 77
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 68/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+0.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
Start year 2020 (pandemic)
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−3.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.6%
Dividend (yield on the price)4.9%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 13%

SOBS screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 47 · Bottom 25%
Fair Value upside −23.7% · Below median
Profitability
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 10.8% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 4.9% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 15.4× · Priciest 25%
P/B 0.95× · Cheaper than median
Price / free cash flow (fiscal year) 17.7× · Priciest 25%
EV/EBITDA 10.2× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)2 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)97 · sector 52

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs SOBS
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs SOBS
BNP Paribas SA BNP €93.98 €106.01 +13% vs SOBS
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs SOBS
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs SOBS
Mizuho Financial Group MFG $9.40 $5.89 −37% vs SOBS
UniCredit S.p.A UCG €81.62 €50.44 −38% vs SOBS
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SOBS
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs SOBS
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs SOBS

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Solvay Bank Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Solvay Bank Corp Fair Value". https://www.fairvalue-calculator.com/stock/SOBS

Frequently asked questions

Is Solvay Bank Corp (SOBS) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $26.71 versus a price of $35.00, about 24% lower (overvalued).
What is the fair value of SOBS?
Our model-based fair value for Solvay Bank Corp is $26.71 (as of Nov 8, 2026), built from audited fundamentals. The current price: $35.00.
What is the quality score of SOBS?
Solvay Bank Corp has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Solvay Bank Corp (SOBS)?
Our model-based price target is the fair value of $26.71 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $26.39, optimistic scenario $36.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Solvay Bank Corp stock forecast for 2026?
Our models put fair value at $26.71, about 24% lower versus a price of $35.00 (overvalued). Cautious scenario $26.39, optimistic scenario $36.73. The calculation is refreshed regularly with new filings.
Does Solvay Bank Corp pay a dividend?
Solvay Bank Corp currently shows a dividend yield of 4.86% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Solvay Bank Corp (SOBS)?
Solvay Bank Corp has a dividend yield of 4.9%.
What is the intrinsic value of Solvay Bank Corp (SOBS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Solvay Bank Corp it is $26.71 per share (as of Nov 8, 2026), against a price of $35.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Solvay Bank Corp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SOBS trades above its calculated fair value: price $35.00, fair value $26.71, a gap of about −24% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SOBS?
No. The price is what the market pays today ($35.00); the fair value is what the company's own numbers justify ($26.71). For Solvay Bank Corp the two are $8.29 per share apart. That gap is exactly why we show both numbers side by side.
How much is Solvay Bank Corp worth?
The market values Solvay Bank Corp at about $88.7M (market capitalisation, as of Nov 8, 2026). Per share that is $35.00; our models calculate a fair value of $26.71 per share.
What do the bullish and bearish scenarios say about SOBS?
Our models span a range for Solvay Bank Corp: cautious scenario $26.39, base $26.71, optimistic $36.73 per share (as of Nov 8, 2026, price $35.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SOBS?
Solvay Bank Corp trades at a price-to-earnings ratio of 15.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $26.71 is built from several models across several years. Other multiples: P/B 1.0, EV/EBITDA 10.2.
How far is SOBS from its 52-week high?
Solvay Bank Corp trades at $35.00, about 5% below its 52-week high of $37.00 and 28% above the low of $27.29 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $26.71 is for.
Which stocks are comparable to Solvay Bank Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Solvay Bank Corp stock attractive at the current price?
The data as of Nov 8, 2026: price $35.00, calculated fair value $26.71 (−24%), Quality Score 47/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SOBS calculated?
We run Solvay Bank Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $26.71 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Solvay Bank Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Solvay Bank Corp (SOBS)?
The closing price on Nov 6, 2026 was $35.00. Our model-based fair value is $26.71, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Solvay Bank Corp right now?
Weak quality (47/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Solvay Bank Corp

How large is the market capitalisation of Solvay Bank Corp (SOBS)?
The market capitalisation of Solvay Bank Corp is $88.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Solvay Bank Corp (SOBS)?
The price-to-sales ratio of Solvay Bank Corp is 1.67 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Solvay Bank Corp (SOBS)?
Earnings per share at Solvay Bank Corp are $2.27 (price ÷ EPS = P/E 15.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Solvay Bank Corp (SOBS)?
The dividend yield of Solvay Bank Corp is 4.9% (payout 75.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Solvay Bank Corp (SOBS)?
The net margin of Solvay Bank Corp is 10.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Solvay Bank Corp (SOBS)?
On an EBIT basis the return on assets of Solvay Bank Corp is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does Solvay Bank Corp (SOBS) generate?
The free cash flow of Solvay Bank Corp is $5.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Solvay Bank Corp (SOBS) carry?
The net debt of Solvay Bank Corp is $4.8M (fiscal year 2025, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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