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Solvay Bank Corp (SOBS) Fair Value & Analysis

Financial Services · US · Market cap $86.2M

Price$34.00
Fair Value$29.50
Upside-13.2%
Quality95/100
Evidence: High Range $22.12 – $36.87

Fair value as of: Jun 26, 2026

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Analysis

Solvay Bank Corp (SOBS) currently trades at $34.00, while our model-based Fair Value estimate is $29.50 — implying the stock looks roughly 13.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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…

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Frequently asked questions

Is Solvay Bank Corp (SOBS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $29.50 versus a price of $34.00 — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SOBS?
Our 21-model fair value for Solvay Bank Corp is $29.50 (as of Jun 26, 2026), built from audited fundamentals. The current price is $34.00.
What is the quality score of SOBS?
Solvay Bank Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.