Somerset Trust Holding Company SOME

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86.00 USD 0.00 0.00%

At close · Oct 30

86.00 Day range 86.00
63.40 52-week range 87.50
YTD
+28.34%
1 year
+46.13%
Open
86.00
Prev close
86.00
Mkt cap
216.92M
Vol
2.40K
Avg vol
1.05K
EPS
10.87
P/E
7.91
More statistics
Low
86.00
High
86.00

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Financial health

Altman Z-Score

0.19 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 4

Valuation

P/E 6.8×
FY 2016: 10.9×FY 2017: 15.6×FY 2018: 9.3×FY 2019: 9.7×FY 2020: 8.8×FY 2021: 8.3×FY 2022: 4.8×FY 2023: 4.6×FY 2024: 4.7×FY 2025: 6.8×
FY 2016 5y median 4.8× FY 2025
P/S 1.1×
FY 2016: 1.9×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/B 0.9×
FY 2016: 1.5×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
P/FCF 21.5×
FY 2016: -13.0×FY 2017: -1252×FY 2018: 12.5×FY 2019: 11.7×FY 2020: 32.5×FY 2021: 9.8×FY 2022: 5.6×FY 2023: 9.4×FY 2024: 9.2×FY 2025: 21.5×
FY 2016 5y median 9.4× FY 2025
EV/EBITDA 9.8×
FY 2016: 16.1×FY 2017: 26.6×FY 2018: 14.4×FY 2019: 15.3×FY 2020: 9.5×FY 2021: 3.4×FY 2022: 9.8×FY 2023: 10.0×FY 2024: 8.8×FY 2025: 9.8×
FY 2016 5y median 9.8× FY 2025
EV/Sales 2.3×
FY 2016: 3.5×FY 2017: 3.5×FY 2018: 2.6×FY 2019: 3.0×FY 2020: 1.8×FY 2021: 0.8×FY 2022: 3.0×FY 2023: 2.6×FY 2024: 2.2×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
FCF Yield 4.6%
FY 2016: -7.7%FY 2017: -0.1%FY 2018: 8.0%FY 2019: 8.5%FY 2020: 3.1%FY 2021: 10.2%FY 2022: 17.7%FY 2023: 10.6%FY 2024: 10.8%FY 2025: 4.6%
FY 2016 5y median 10.6% FY 2025

Profitability

Gross Margin 68.4%
FY 2016: 83.0%FY 2017: 82.5%FY 2018: 84.5%FY 2019: 85.6%FY 2020: 87.9%FY 2021: 91.6%FY 2022: 90.8%FY 2023: 79.0%FY 2024: 69.7%FY 2025: 68.4%
FY 2016 5y median 79.0% FY 2025
Operating Margin 19.6%
FY 2016: 19.4%FY 2017: 16.8%FY 2018: 17.7%FY 2019: 15.8%FY 2020: 15.0%FY 2021: 17.9%FY 2022: 26.0%FY 2023: 22.5%FY 2024: 20.9%FY 2025: 19.6%
FY 2016 5y median 20.9% FY 2025
Net Margin 16.4%
FY 2016: 17.1%FY 2017: 11.1%FY 2018: 16.0%FY 2019: 14.3%FY 2020: 13.6%FY 2021: 16.1%FY 2022: 22.5%FY 2023: 19.1%FY 2024: 17.4%FY 2025: 16.4%
FY 2016 5y median 17.4% FY 2025
ROE 13.3%
FY 2016: 13.4%FY 2017: 7.4%FY 2018: 11.8%FY 2019: 9.4%FY 2020: 8.8%FY 2021: 10.0%FY 2022: 20.3%FY 2023: 16.3%FY 2024: 16.2%FY 2025: 13.3%
FY 2016 5y median 16.2% FY 2025
ROIC 5.7%
FY 2016: 1.5%FY 2017: 1.3%FY 2018: 1.5%FY 2019: 3.7%FY 2020: 4.1%FY 2021: 5.0%FY 2022: 5.8%FY 2023: 3.0%FY 2024: 5.6%FY 2025: 5.7%
FY 2016 5y median 5.6% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 0.8%FY 2020: 0.7%FY 2021: 0.7%FY 2022: 1.0%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 8.6%
FY 2016: 8.2%FY 2017: 0.9%FY 2018: 13.6%FY 2019: 14.9%FY 2020: 9.6%FY 2021: 2.0%FY 2022: 6.7%FY 2023: 31.4%FY 2024: 15.8%FY 2025: 8.6%
FY 2016 FY 2025
Operating Income 1.8%
FY 2016: 13.1%FY 2017: -12.6%FY 2018: 20.1%FY 2019: 2.2%FY 2020: 4.3%FY 2021: 21.8%FY 2022: 55.2%FY 2023: 13.3%FY 2024: 7.8%FY 2025: 1.8%
FY 2016 FY 2025
EPS (diluted) 2.2%
FY 2016: 14.1%FY 2017: -34.4%FY 2018: 63.8%FY 2019: 2.0%FY 2020: 1.5%FY 2021: 20.9%FY 2022: 48.9%FY 2023: 11.2%FY 2024: 5.4%FY 2025: 2.2%
FY 2016 FY 2025
Free Cash Flow -36.5%
FY 2016: -238.6%FY 2017: 99.0%FY 2018: 9923.2%FY 2019: 14.3%FY 2020: -66.2%FY 2021: 281.1%FY 2022: 50.9%FY 2023: -37.0%FY 2024: 9.8%FY 2025: -36.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 1.2×
FY 2016: 1.6×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 0.7×FY 2022: 2.1×FY 2023: 1.8×FY 2024: 1.5×FY 2025: 1.2×
FY 2016 5y median 1.5× FY 2025
Net Debt / EBITDA 5.0×
FY 2016: 7.4×FY 2017: 13.7×FY 2018: 6.2×FY 2019: 8.2×FY 2020: 3.3×FY 2021: -2.5×FY 2022: 6.2×FY 2023: 6.7×FY 2024: 5.5×FY 2025: 5.0×
FY 2016 5y median 5.5× FY 2025
Interest Coverage 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.1×FY 2020: 1.2×FY 2021: 2.1×FY 2022: 2.8×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 2.8%FY 2017: 3.1%FY 2018: 3.3%FY 2019: 3.3%FY 2020: 3.7%FY 2021: 3.3%FY 2022: 3.9%FY 2023: 3.8%FY 2024: 3.6%FY 2025: 2.5%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 17.1%
FY 2016: 30.0%FY 2017: 48.4%FY 2018: 31.1%FY 2019: 31.8%FY 2020: 32.3%FY 2021: 27.5%FY 2022: 19.0%FY 2023: 17.5%FY 2024: 17.0%FY 2025: 17.1%
FY 2016 5y median 17.5% FY 2025

Annual · latest fiscal year ends 2025-12-31