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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.51
SOMH's Cash to Debt is ranked lower than
94% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SOMH: 1.51 )
SOMH' s 10-Year Cash to Debt Range
Min: 0.97   Max: No Debt
Current: 1.51

Equity to Asset 0.11
SOMH's Equity to Asset is ranked lower than
73% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SOMH: 0.11 )
SOMH' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.16
Current: 0.11

0.09
0.16
Interest Coverage No Debt
SOMH's Interest Coverage is ranked lower than
79% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SOMH: No Debt )
SOMH' s 10-Year Interest Coverage Range
Min: 1000   Max: 1000
Current: No Debt

F-Score: 4
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 35.30
SOMH's Operating margin (%) is ranked lower than
72% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. SOMH: 35.30 )
SOMH' s 10-Year Operating margin (%) Range
Min: 4   Max: 35.3
Current: 35.3

4
35.3
Net-margin (%) 22.90
SOMH's Net-margin (%) is ranked lower than
72% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. SOMH: 22.90 )
SOMH' s 10-Year Net-margin (%) Range
Min: -31.9   Max: 22.9
Current: 22.9

-31.9
22.9
ROE (%) 8.10
SOMH's ROE (%) is ranked lower than
71% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. SOMH: 8.10 )
SOMH' s 10-Year ROE (%) Range
Min: -8.5   Max: 8.4
Current: 8.1

-8.5
8.4
ROA (%) 0.90
SOMH's ROA (%) is ranked lower than
71% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SOMH: 0.90 )
SOMH' s 10-Year ROA (%) Range
Min: -1.3   Max: 0.9
Current: 0.9

-1.3
0.9
Revenue Growth (%) 1.70
SOMH's Revenue Growth (%) is ranked lower than
83% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SOMH: 1.70 )
SOMH' s 10-Year Revenue Growth (%) Range
Min: -4.4   Max: 12.6
Current: 1.7

-4.4
12.6
EBITDA Growth (%) 16.80
SOMH's EBITDA Growth (%) is ranked lower than
92% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SOMH: 16.80 )
SOMH' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 28.1
Current: 16.8

0
28.1
EPS Growth (%) 20.40
SOMH's EPS Growth (%) is ranked lower than
92% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. SOMH: 20.40 )
SOMH' s 10-Year EPS Growth (%) Range
Min: -32   Max: 61.9
Current: 20.4

-32
61.9
» SOMH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with SOMH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.00
SOMH's P/E(ttm) is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. SOMH: 22.00 )
SOMH' s 10-Year P/E(ttm) Range
Min: 13.26   Max: 1400
Current: 22

13.26
1400
P/B 1.55
SOMH's P/B is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SOMH: 1.55 )
SOMH' s 10-Year P/B Range
Min: 0.71   Max: 2.28
Current: 1.55

0.71
2.28
P/S 4.51
SOMH's P/S is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SOMH: 4.51 )
SOMH' s 10-Year P/S Range
Min: 2.12   Max: 6.07
Current: 4.51

2.12
6.07
PFCF 36.58
SOMH's PFCF is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. SOMH: 36.58 )
SOMH' s 10-Year PFCF Range
Min: 1.24   Max: 278
Current: 36.58

1.24
278
EV-to-EBIT 15.08
SOMH's EV-to-EBIT is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. SOMH: 15.08 )
SOMH' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 102.9
Current: 15.08

0.1
102.9
PEG 1.19
SOMH's PEG is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SOMH: 1.19 )
SOMH' s 10-Year PEG Range
Min: 0.37   Max: 39.22
Current: 1.19

0.37
39.22
Shiller P/E 30.98
SOMH's Shiller P/E is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. SOMH: 30.98 )
SOMH' s 10-Year Shiller P/E Range
Min: 15   Max: 30.98
Current: 30.98

15
30.98
Current Ratio 0.99
SOMH's Current Ratio is ranked lower than
1785% of the 71 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. SOMH: 0.99 )
SOMH' s 10-Year Current Ratio Range
Min: 0   Max: 0
Current: 0.99

Quick Ratio 0.92
SOMH's Quick Ratio is ranked lower than
1785% of the 71 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SOMH: 0.92 )
SOMH' s 10-Year Quick Ratio Range
Min: 0   Max: 0
Current: 0.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
SOMH's Dividend Yield is ranked lower than
85% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. SOMH: 2.65 )
SOMH' s 10-Year Dividend Yield Range
Min: 0.15   Max: 3.81
Current: 2.65

0.15
3.81
Dividend Payout 0.58
SOMH's Dividend Payout is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. SOMH: 0.58 )
SOMH' s 10-Year Dividend Payout Range
Min: 0.07   Max: 2
Current: 0.58

0.07
2
Dividend growth (3y) 11.60
SOMH's Dividend growth (3y) is ranked lower than
123% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. SOMH: 11.60 )
SOMH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 53.3
Current: 11.6

0
53.3
Yield on cost (5-Year) 4.88
SOMH's Yield on cost (5-Year) is ranked lower than
84% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. SOMH: 4.88 )
SOMH' s 10-Year Yield on cost (5-Year) Range
Min: 0.28   Max: 7.02
Current: 4.88

0.28
7.02
Share Buyback Rate -0.80
SOMH's Share Buyback Rate is ranked lower than
97% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SOMH: -0.80 )
SOMH' s 10-Year Share Buyback Rate Range
Min: -0.4   Max: -18.1
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
SOMH's Price/Tangible Book is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SOMH: 2.10 )
SOMH' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 2.1
Current: 2.1

0.7
2.1
Price/DCF (Projected) 1.30
SOMH's Price/DCF (Projected) is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SOMH: 1.30 )
SOMH' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.8
Current: 1.3

0.4
0.8
Price/Median PS Value 1.70
SOMH's Price/Median PS Value is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SOMH: 1.70 )
SOMH' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.4
Current: 1.7

0.7
1.4
Price/Peter Lynch Fair Value 1.20
SOMH's Price/Peter Lynch Fair Value is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SOMH: 1.20 )
SOMH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 0.8
Current: 1.2

0.6
0.8
Price/Graham Number 1.60
SOMH's Price/Graham Number is ranked lower than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SOMH: 1.60 )
SOMH' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 3.8
Current: 1.6

0.8
3.8
Earnings Yield (Greenblatt) 6.60
SOMH's Earnings Yield (Greenblatt) is ranked lower than
78% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SOMH: 6.60 )
SOMH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 12029
Current: 6.6

1
12029
Forward Rate of Return (Yacktman) 38.42
SOMH's Forward Rate of Return (Yacktman) is ranked lower than
92% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. SOMH: 38.42 )
SOMH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.3   Max: 45.5
Current: 38.42

-4.3
45.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
» More Articles for SOMH

Headlines

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Weekly CFO Buys Highlight: GNBT, CTTC, COIN, AUMN, SOMH Oct 31 2010 
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