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Somerset Trust Holding (SOME) Fair Value & Analysis

Financial Services · US · Market cap $196M

Price$74.00
Fair Value$128.93
Upside+74.2%
Quality95/100
Evidence: High Range $96.70 – $161.17

Fair value as of: Jun 26, 2026

Analysis

Somerset Trust Holding (SOME) currently trades at $74.00, while our model-based Fair Value estimate is $128.93 — implying the stock looks roughly 74.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Somerset Trust Holding Company operates as the bank holding company for Somerset Trust Company that provides banking products and services in Pennsylvania. The company offers checking, savings, business, and individual retirement accounts, as well as certificates of deposit; debit and credit cards; and residential and commercial real estate, commercial, consumer, agricultural, mortgage, personal, secured and unsecured, business, and home equity loans. It also provides financial, retirement, and estate planning services; investment products, such as mutual funds and tax deferred annuities; life and long-term care insurance products; trust and investment management services; and online banking and business services. Somerset Trust Holding Company was founded in 1889 and is headquartered in Somerset, Pennsylvania.

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Frequently asked questions

Is Somerset Trust Holding (SOME) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $128.93 versus a price of $74.00 — about +74% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SOME?
Our 21-model fair value for Somerset Trust Holding is $128.93 (as of Jun 26, 2026), built from audited fundamentals. The current price is $74.00.
What is the quality score of SOME?
Somerset Trust Holding 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.