Solvay Bank Corp. SOBS OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

54/100

1/5 Pass

SharesGrow Intrinsic Value

N/A

Negative cash flow

Income Statement Balance Sheet Cash Flow Statement

Annual Quarterly

Solvay Bank Corp. (SOBS) reported total assets of $1.18B and total liabilities of $1.09B for fiscal year 2025, resulting in total equity of $93.12M.

The company held $10.75M in cash and short-term investments. Total debt stood at $15.52M, with net debt of $4.77M. The Debt-to-Equity (D/E) ratio was 0.17 (conservative).

Current ratio is 0.01, which may signal tight short-term liquidity. Interest coverage is 0.3x (weak).

Criteria supported by this page:

HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
MOAT (35/100) — Total assets $1.18B and equity $93.12M support the company's competitive scale

Overall SharesGrow Score: 51/100 with 1/7 criteria passed.

SharesGrow 7-Criteria Score

54/100

SG Score

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VALUE

N/A

No coverage

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FUTURE

N/A

No coverage

✓

PAST

100/100

→ Income

✗

HEALTH

33/100

Debt-to-Equity & liquidity

Proven by this page

✗

MOAT

35/100

→ Income

GROWTH

48/100

→ Income

INCOME

55/100

→ Income

Solvay Bank Corp. Balance Sheet History

Metric	FY2025	FY2024	FY2023	FY2022
Total Assets	$1.18B	$1.2B	$1.14B	$1.12B
Total Liabilities	$1.09B	$1.12B	$1.06B	$1.05B
Total Debt	$15.52M	$46.11M	$82.41M	$51.72M
Cash & Investments	$10.75M	$0.00	$-10.93M	$-14.53M
Total Stockholders Equity	$93.12M	$79.87M	$77.26M	$69.64M