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Somerset Trust Holding Company SOME OTC

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

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Somerset Trust Holding Company (SOME) is a Banks - Regional company in the Financial Services sector, currently trading at $70.50. It has a SharesGrow Score of 67/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $153M, +20.6%/yr average growth. Net income is $25M, growing at +6.3%/yr. Net profit margin is 16.4% (healthy). Gross margin is 68.4% (-21.2 pp trend).

Balance sheet: total debt is $222M against $189M equity (Debt-to-Equity (D/E) ratio 1.18, moderate). Current ratio is 0.02 (tight liquidity). Debt-to-assets is 9.1%. Total assets: $2.4B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 43/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

SOME SharesGrow Score Overview

69/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 83/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 43/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SOME

SOME trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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SOME: +20.6%/yr revenue is, +6.3%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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SOME: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet SOME: Debt-to-Equity (D/E) ratio 1.18 (moderate), Current ratio is 0.02 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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SOME: Gross margin is 68.4% (-21.2 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 43/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

SOME: Net profit margin is 16.4%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range42.75-74

Volume9

Avg Volume (30D)793

Market Cap$177.82M

Beta (1Y)0.07

Dividend Yield$1.7200

Share Statistics

EPS (TTM)9.92

Shares Outstanding$2.52M

IPO Date1999-01-04

Employees450

CEOSean Cook

Financial Highlights & Ratios

Revenue (TTM)$152.98M

Gross Profit$104.66M

EBITDA$30.02M

Net Income$25.02M

Operating Income$30.02M

Total Cash$45.64M

Total Debt$221.76M

Net Debt$176.11M

Total Assets$2.44B

Price / Earnings (P/E)7.1

Price / Sales (P/S)1.16

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS8351261032

Price Chart

SOME

Somerset Trust Holding Company ↗ · Other OTC

Financial Services • Banks - Regional

42.75 52WK RANGE 74.00

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