Somerset Trust Holding Company (SOME) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Somerset Trust Holding Company stock $77.26, price $85.00, that is 9.1% below the price, quality 41 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $25.46 – $86.25 · fair‑value band $67.05 – $106.24 · the $85.00 price screens above the $77.26 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Somerset Trust Holding Company operates as the bank holding company for Somerset Trust Company that provides banking products and services in Pennsylvania.
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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.
Stock analysis
Somerset Trust Holding Company (SOME) currently trades at $85.00, while our model-based Fair Value estimate is $77.26, 9% 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 $98.36 per share, and 1 of the 6 models we run sit above the $85.00 price.
Bear case: the Dividend Discount group reads lowest at $22.17, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $67.05 (bear) to $106.24 (bull), the price of $85.00 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 41/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Somerset Trust Holding Company reported revenue of $153M in FY2025 versus $86.8M in FY2021, a compound +15.2%/yr. Reported net income was $25.0M in FY2025, compounding +15.7%/yr from FY2021.
Key figures
Market cap $214M Micro · P/E ratio 7.8 · P/S ratio 1.96 · EPS (TTM) $10.87 · Dividend yield 2.0% · Net margin 25.1% · Return on equity 15.3% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −9%, SOME screens cheaper than that median.
Fair Value models
Bear$67.05Fair Value $77.26Bull$106.24
Price $85.00 · Downside -9.1%
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 ($7.83 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.
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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+8.6%
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.
+18.2%
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.
+12.4%
Start year 2020 (pandemic). Over 10 years: +10.9% a year
Revenue growth 13 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.
+11.3%
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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.
+18.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.6%
Dividend (yield on the price)2.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.6% vs 9.1%, picking up
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.15% → 20%
Compare Somerset Trust Holding Company with another stock
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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 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside−9.1% · Above median
Profitability
Return on equity (12 months)15.3% · Top 25%
Return on assets1.0% · Above median
Net margin (12 months)25.1% · Below median
Operating margin (12 months)30.6% · Below median
Growth and dividend
Revenue growth (quarter YoY)11.9% · Above median
Dividend yield (12 months)2.0% · Below median
Balance sheet
Debt / equity0.58× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Somerset Trust Holding Company Fair Value". https://www.fairvalue-calculator.com/stock/SOME
Frequently asked questions
Is Somerset Trust Holding Company (SOME) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $77.26 versus a price of $85.00, about 9% lower (overvalued).
What is the fair value of SOME?
Our model-based fair value for Somerset Trust Holding Company is $77.26 (as of Nov 8, 2026), built from audited fundamentals. The current price: $85.00.
What is the quality score of SOME?
Somerset Trust Holding Company has a Quality Score of 41/100. 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 Somerset Trust Holding Company (SOME)?
Our model-based price target is the fair value of $77.26 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $67.05, optimistic scenario $106.24. It is a calculation from audited fundamentals, not an analyst target.
What is the Somerset Trust Holding Company stock forecast for 2026?
Our models put fair value at $77.26, about 9% lower versus a price of $85.00 (overvalued). Cautious scenario $67.05, optimistic scenario $106.24. The calculation is refreshed regularly with new filings.
What is the revenue of Somerset Trust Holding Company (SOME)?
Somerset Trust Holding Company reported trailing-twelve-month revenue of about $110M (latest available figure, as of Nov 8, 2026).
Does Somerset Trust Holding Company pay a dividend?
Somerset Trust Holding Company currently shows a dividend yield of 2.05% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Somerset Trust Holding Company (SOME) and when is the ex-dividend date?
Somerset Trust Holding Company pays a dividend of $1.74 per share a year, a dividend yield of 2.0%. The last ex-dividend date was Sep 10, 2026. A dividend has been paid every year since at least 2000. The payout ratio is 16.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Somerset Trust Holding Company (SOME)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Somerset Trust Holding Company it is $77.26 per share (as of Nov 8, 2026), against a price of $85.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Somerset Trust Holding Company stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SOME trades above its calculated fair value: price $85.00, fair value $77.26, a gap of about −9% (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 SOME?
No. The price is what the market pays today ($85.00); the fair value is what the company's own numbers justify ($77.26). For Somerset Trust Holding Company the two are $7.74 per share apart. That gap is exactly why we show both numbers side by side.
How much is Somerset Trust Holding Company worth?
The market values Somerset Trust Holding Company at about $214M (market capitalisation, as of Nov 8, 2026). Per share that is $85.00; our models calculate a fair value of $77.26 per share.
What do the bullish and bearish scenarios say about SOME?
Our models span a range for Somerset Trust Holding Company: cautious scenario $67.05, base $77.26, optimistic $106.24 per share (as of Nov 8, 2026, price $85.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SOME?
Somerset Trust Holding Company trades at a price-to-earnings ratio of 7.8 (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 $77.26 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.5. Other multiples: P/B 1.1, P/S 2.0, EV/EBITDA 7.9.
How solid is the balance sheet of Somerset Trust Holding Company (SOME)?
Balance-sheet figures for Somerset Trust Holding Company (as of Nov 8, 2026): return on equity 15.3%, debt of 0.58 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is SOME from its 52-week high?
Somerset Trust Holding Company trades at $85.00, about 1% below its 52-week high of $86.25 and 35% above the low of $62.76 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $77.26 is for.
Which stocks are comparable to Somerset Trust Holding Company?
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 Somerset Trust Holding Company stock attractive at the current price?
The data as of Nov 8, 2026: price $85.00, calculated fair value $77.26 (−9%), Quality Score 41/100, 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 SOME calculated?
We run Somerset Trust Holding Company through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $77.26 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. Somerset Trust Holding Company 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 Somerset Trust Holding Company (SOME)?
The closing price on Nov 6, 2026 was $85.00. Our model-based fair value is $77.26, about 9% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Somerset Trust Holding Company right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Somerset Trust Holding Company (SOME) come from?
Earnings per share at Somerset Trust Holding Company grew +10.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.1 %, EBIT margin −0.3 %, tax rate −1.0 %, residual (interest, one-offs) +0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Somerset Trust Holding Company
How large is the market capitalisation of Somerset Trust Holding Company (SOME)?
The market capitalisation of Somerset Trust Holding Company is $214M. 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 Somerset Trust Holding Company (SOME)?
The price-to-sales ratio of Somerset Trust Holding Company is 1.96 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Somerset Trust Holding Company (SOME)?
Earnings per share at Somerset Trust Holding Company are $10.87 (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Somerset Trust Holding Company (SOME)?
The dividend yield of Somerset Trust Holding Company is 2.0% (payout 16.0%). 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 Somerset Trust Holding Company (SOME)?
The net margin of Somerset Trust Holding Company is 25.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Somerset Trust Holding Company (SOME)?
The return on equity (ROE) of Somerset Trust Holding Company is 15.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Somerset Trust Holding Company (SOME)?
On an EBIT basis the return on assets of Somerset Trust Holding Company is 1.2% (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.
What is the operating margin of Somerset Trust Holding Company (SOME)?
The operating margin of Somerset Trust Holding Company is 30.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Somerset Trust Holding Company (SOME)?
Revenue at Somerset Trust Holding Company is growing +11.9% versus a year earlier (3y avg +18.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Somerset Trust Holding Company (SOME)?
Earnings per share at Somerset Trust Holding Company are growing +14.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Somerset Trust Holding Company (SOME) generate?
The free cash flow of Somerset Trust Holding Company is $7.9M (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 Somerset Trust Holding Company (SOME) carry?
The net debt of Somerset Trust Holding Company is $176M (fiscal year 2025, ≈ 22.4 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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Broad data
Nov 8, 2026