Somerset Trust Holding Company (SOME)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 75 | 80 | 84 | 96 | 98 | 108 | 114 | - |
| Operating profit | $m | 30 | 33 | ||||||
| Net profit | $m | 12 | 14 | 21 | 23 | 24 | 25 | 27 | - |
| EPS reported | $ | 9.92 | 10.89 | ||||||
| Operating cashflow per share | $ | 14.52 | 0.00 | ||||||
| Capex per share | $ | 11.41 | 0.00 | ||||||
| FCF per share | $ | 3.11 | 0.00 | ||||||
| Free cash flow | $m | 8 | 0 | ||||||
| Net debt | $m | 176 | 198 | ||||||
| Book value equity | $m | 189 | 201 | ||||||
| Book value per share | $ | 74.83 | 79.55 | ||||||
| Number of shares | m | 2.52 | 2.52 | ||||||
| DPS (TTM paid) | $ | 1.70 | 1.76 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.76 | 8.14 | ||||||
| P/B LTM | x | 0.90 | 0.84 | ||||||
| P/S LTM | x | 1.56 | 1.49 | ||||||
| P/FCF LTM | x | 21.52 | 0.00 | ||||||
| EV/EBITDA LTM | x | 9.82 | 10.50 | ||||||
| EV/Sales LTM | x | 2.26 | 2.44 | ||||||
| Earnings Yield LTM | % | +14.79% | +12.29% | ||||||
| FCF Yield | % | +4.65% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +13.26% | +14.88% | ||||||
| ROIC | % | +5.74% | +1.08% | ||||||
| Operating margin | % | +19.62% | +20.51% | ||||||
| Gross margin | % | +68.41% | +70.43% | ||||||
| FCF/Sales | % | +5.13% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +2.16% | +12.15% | ||||||
| Sales Growth YoY | % | +10.10% | +15.81% | ||||||
| Net Income Growth YoY | % | +2.15% | +12.11% | ||||||
| FCF Growth | % | -36.48% | -100.00% | ||||||
| Operating Profit Growth | % | +1.81% | +11.45% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.54% | +2.22% | ||||||
| Dividend Growth | % | +3.03% | +6.67% | ||||||
| Payout Ratio | % | +17.14% | 0.00% | ||||||
| FCF/Debt | x | 0.04 | 0.00 | ||||||
| Net Debt/EBITDA | x | 5.01 | 5.68 | ||||||
| EBIT/Net interest | x | 0.67 | 0.72 | ||||||
| Net debt/market cap | % | +1.31% | +1.18% | ||||||
| Net debt/Equity | x | 0.93 | 0.99 | ||||||
| Gross debt/equity | x | 1.18 | 1.22 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Somerset Trust Holding Company serves as the parent organization for Somerset Trust Company, furnishing a broad spectrum of banking solutions across Pennsylvania and into Maryland. Its comprehensive offerings encompass various deposit accounts, such as checking, savings, business, and individual retirement accounts, along with certificates of deposit. Customers also have access to debit and credit cards, as well as an extensive range of financing options, including residential and commercial property loans, commercial, consumer, agricultural, mortgage, personal, business, and home equity lending. Beyond core banking, the company delivers financial, retirement, and estate planning expertise, and investment products like mutual funds and annuities. It further provides essential services such as life and long-term care insurance, safe deposit boxes, and advanced online and business banking platforms. Founded in 1889, Somerset Trust Holding Company maintains its headquarters in Somerset, Pennsylvania, operating a network of 41 branches in Pennsylvania and three additional sites in Maryland.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Somerset Trust Holding Company (SOME)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Somerset Trust Holding Company serves as the parent organization for Somerset Trust Company, furnishing a broad spectrum of banking solutions across Pennsylvania and into Maryland. Its comprehensive offerings encompass various deposit accounts, such as checking, savings, business, and individual retirement accounts, along with certificates of deposit. Customers also have access to debit and credit cards, as well as an extensive range of financing options, including residential and commercial property loans, commercial, consumer, agricultural, mortgage, personal, business, and home equity lending. Beyond core banking, the company delivers financial, retirement, and estate planning expertise, and investment products like mutual funds and annuities. It further provides essential services such as life and long-term care insurance, safe deposit boxes, and advanced online and business banking platforms. Founded in 1889, Somerset Trust Holding Company maintains its headquarters in Somerset, Pennsylvania, operating a network of 41 branches in Pennsylvania and three additional sites in Maryland.
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