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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
99.99% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SOMH: 1.51 )
Ranked among companies with meaningful Cash to Debt only.
SOMH' s Cash to Debt Range Over the Past 10 Years
Min: 0.97  Med: 5.23 Max: No Debt
Current: 1.51
Equity to Asset 0.11
SOMH's Equity to Asset is ranked lower than
99.99% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SOMH: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
SOMH' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.16
Current: 0.11
0.09
0.16
Interest Coverage No Debt
SOMH's Interest Coverage is ranked lower than
99.99% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. SOMH: No Debt )
Ranked among companies with meaningful Interest Coverage only.
SOMH' s Interest Coverage Range Over the Past 10 Years
Min: 1000  Med: 10000.00 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
99.99% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. SOMH: 35.30 )
Ranked among companies with meaningful Operating margin (%) only.
SOMH' s Operating margin (%) Range Over the Past 10 Years
Min: 4  Med: 17.40 Max: 35.3
Current: 35.3
4
35.3
Net-margin (%) 22.90
SOMH's Net-margin (%) is ranked lower than
99.99% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. SOMH: 22.90 )
Ranked among companies with meaningful Net-margin (%) only.
SOMH' s Net-margin (%) Range Over the Past 10 Years
Min: -31.9  Med: 14.10 Max: 22.9
Current: 22.9
-31.9
22.9
ROE (%) 8.10
SOMH's ROE (%) is ranked lower than
99.99% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SOMH: 8.10 )
Ranked among companies with meaningful ROE (%) only.
SOMH' s ROE (%) Range Over the Past 10 Years
Min: -8.5  Med: 5.40 Max: 8.4
Current: 8.1
-8.5
8.4
ROA (%) 0.90
SOMH's ROA (%) is ranked lower than
99.99% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SOMH: 0.90 )
Ranked among companies with meaningful ROA (%) only.
SOMH' s ROA (%) Range Over the Past 10 Years
Min: -1.3  Med: 0.70 Max: 0.9
Current: 0.9
-1.3
0.9
Revenue Growth (3Y)(%) 1.70
SOMH's Revenue Growth (3Y)(%) is ranked lower than
99.99% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SOMH: 1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SOMH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.4  Med: 0.00 Max: 12.6
Current: 1.7
-4.4
12.6
EBITDA Growth (3Y)(%) 16.80
SOMH's EBITDA Growth (3Y)(%) is ranked lower than
99.99% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SOMH: 16.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SOMH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 12.65 Max: 28.1
Current: 16.8
0
28.1
EPS Growth (3Y)(%) 20.40
SOMH's EPS Growth (3Y)(%) is ranked lower than
99.99% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SOMH: 20.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SOMH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -32  Med: 12.20 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

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Ratios

vs
industry
vs
history
P/E(ttm) 22.00
SOMH's P/E(ttm) is ranked lower than
99.99% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. SOMH: 22.00 )
Ranked among companies with meaningful P/E(ttm) only.
SOMH' s P/E(ttm) Range Over the Past 10 Years
Min: 13.26  Med: 28.14 Max: 1400
Current: 22
13.26
1400
PE(NRI) 22.00
SOMH's PE(NRI) is ranked lower than
99.99% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SOMH: 22.00 )
Ranked among companies with meaningful PE(NRI) only.
SOMH' s PE(NRI) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 22
P/B 1.55
SOMH's P/B is ranked lower than
99.99% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SOMH: 1.55 )
Ranked among companies with meaningful P/B only.
SOMH' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.38 Max: 2.28
Current: 1.55
0.71
2.28
P/S 4.51
SOMH's P/S is ranked lower than
100% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. SOMH: 4.51 )
Ranked among companies with meaningful P/S only.
SOMH' s P/S Range Over the Past 10 Years
Min: 2.12  Med: 3.67 Max: 6.07
Current: 4.51
2.12
6.07
PFCF 36.58
SOMH's PFCF is ranked lower than
99.99% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. SOMH: 36.58 )
Ranked among companies with meaningful PFCF only.
SOMH' s PFCF Range Over the Past 10 Years
Min: 1.24  Med: 9.39 Max: 278
Current: 36.58
1.24
278
EV-to-EBIT 15.08
SOMH's EV-to-EBIT is ranked lower than
99.99% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. SOMH: 15.08 )
Ranked among companies with meaningful EV-to-EBIT only.
SOMH' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.1  Med: 17.10 Max: 102.9
Current: 15.08
0.1
102.9
EV-to-EBITDA 13.74
SOMH's EV-to-EBITDA is ranked lower than
99.99% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. SOMH: 13.74 )
Ranked among companies with meaningful EV-to-EBITDA only.
SOMH' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 13.74
PEG 1.19
SOMH's PEG is ranked lower than
99.99% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. SOMH: 1.19 )
Ranked among companies with meaningful PEG only.
SOMH' s PEG Range Over the Past 10 Years
Min: 0.37  Med: 5.33 Max: 39.22
Current: 1.19
0.37
39.22
Shiller P/E 30.98
SOMH's Shiller P/E is ranked lower than
99.99% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. SOMH: 30.98 )
Ranked among companies with meaningful Shiller P/E only.
SOMH' s Shiller P/E Range Over the Past 10 Years
Min: 15  Med: 22.84 Max: 30.98
Current: 30.98
15
30.98
Current Ratio 0.99
SOMH's Current Ratio is ranked lower than
99.99% of the 98 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. SOMH: 0.99 )
Ranked among companies with meaningful Current Ratio only.
SOMH' s Current Ratio Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.99
Quick Ratio 0.92
SOMH's Quick Ratio is ranked lower than
99.99% of the 98 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. SOMH: 0.92 )
Ranked among companies with meaningful Quick Ratio only.
SOMH' s Quick Ratio Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
SOMH's Dividend Yield is ranked lower than
99.99% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. SOMH: 2.65 )
Ranked among companies with meaningful Dividend Yield only.
SOMH' s Dividend Yield Range Over the Past 10 Years
Min: 0.15  Med: 1.89 Max: 3.81
Current: 2.65
0.15
3.81
Dividend Payout 0.58
SOMH's Dividend Payout is ranked lower than
99.99% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SOMH: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
SOMH' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.49 Max: 2
Current: 0.58
0.07
2
Dividend Growth (3y) 11.60
SOMH's Dividend Growth (3y) is ranked lower than
99.99% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. SOMH: 11.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SOMH' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 1.60 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
100% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. SOMH: 4.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SOMH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.28  Med: 3.48 Max: 7.02
Current: 4.88
0.28
7.02
3-Year Average Share Buyback Ratio -0.80
SOMH's 3-Year Average Share Buyback Ratio is ranked lower than
99.99% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SOMH: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SOMH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.1  Med: -5.30 Max: -0.4
Current: -0.8
-18.1
-0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
SOMH's Price/Tangible Book is ranked lower than
99.99% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SOMH: 2.10 )
Ranked among companies with meaningful Price/Tangible Book only.
SOMH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.7  Med: 1.20 Max: 2.1
Current: 2.1
0.7
2.1
Price/Projected FCF 1.30
SOMH's Price/Projected FCF is ranked lower than
99.99% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SOMH: 1.30 )
Ranked among companies with meaningful Price/Projected FCF only.
SOMH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.70 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
99.99% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SOMH: 1.70 )
Ranked among companies with meaningful Price/Median PS Value only.
SOMH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.7  Med: 1.00 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
99.99% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.24 vs. SOMH: 1.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SOMH' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.6  Med: 0.70 Max: 0.8
Current: 1.2
0.6
0.8
Price/Graham Number 1.60
SOMH's Price/Graham Number is ranked lower than
99.99% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SOMH: 1.60 )
Ranked among companies with meaningful Price/Graham Number only.
SOMH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.8  Med: 1.40 Max: 3.8
Current: 1.6
0.8
3.8
Earnings Yield (Greenblatt) (%) 6.60
SOMH's Earnings Yield (Greenblatt) (%) is ranked lower than
99.99% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SOMH: 6.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SOMH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1  Med: 5.90 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
99.99% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. SOMH: 38.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SOMH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.3  Med: 12.50 Max: 45.5
Current: 38.42
-4.3
45.5

More Statistics

Revenue(Mil) $14
EPS $ 0.55
Short Percentage of Float0.00%
52-Week Range $8.19 - 12.26
Shares Outstanding(Mil)5.37

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Somerset Hills Bancorp is a one-bank holding company incorporated under the laws of New Jersey in January 2000 to serve as the holding company for Somerset Hills Bank. It operates a licensed mortgage company subsidiary, Sullivan Financial Services, Inc. It operates two reporting segments namely community banking and mortgage banking. The bank conducts a traditional commercial banking business and offers services including personal and business checking accounts and time deposits, money market accounts and regular savings accounts. Its lending activities are oriented to the small-to-medium sized business, high net worth individuals, professional practices and consumer and retail customers living and working mainly in its market area of Somerset, Morris and Union Counties, New Jersey. The bank offers the commercial, consumer, and mortgage-lending products offered by community banks and, through its mortgage company subsidiary, a number of residential mortgage products. The deposit services offered by the bank include small business and personal checking and savings accounts and certificates of deposit. Its signature deposit account is the Paramount Checking Account, an interest paying account offering features such as free checks, telephone banking and bill payment, free safe deposit box and a refund of foreign ATM fees. Another deposit service the bank offers is the Escrow Ease product. Escrow Ease is specifically designed to meet the trust account needs of attorneys, realtors and title companies. The Escrow Ease Account offers the convenience of segregation of client funds, by sub account, within a single master trust account with detailed sub account reporting including the preparation of year-end tax documents. In addition, the bank has established a wealth management subsidiary under which it offers insurance services, securities brokerage and investment advisory services on a non-proprietary basis under the terms of an agreement with Mass Mutual, its affiliated securities brokerage and its locally affiliated agents. The bank has also established a title insurance agency joint venture which offers traditional title agency services in connection with commercial real estate transactions.
» More Articles for SOMH

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: GNBT, CTTC, COIN, AUMN, SOMH Oct 31 2010 
Somerset Hills Bancorp Reports Operating Results (10-Q) Aug 12 2009 
Somerset Hills Bancorp Reports Operating Results (10-Q) May 12 2009 

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