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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
232% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SOMH: 1.51 )
Ranked among companies with meaningful Cash to Debt only.
SOMH' s 10-Year Cash to Debt Range
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
168% of the 1355 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 10-Year Equity to Asset Range
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
179% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SOMH: No Debt )
Ranked among companies with meaningful Interest Coverage only.
SOMH' s 10-Year Interest Coverage Range
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
160% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SOMH: 35.30 )
Ranked among companies with meaningful Operating margin (%) only.
SOMH' s 10-Year Operating margin (%) Range
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
160% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SOMH: 22.90 )
Ranked among companies with meaningful Net-margin (%) only.
SOMH' s 10-Year Net-margin (%) Range
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
160% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SOMH: 8.10 )
Ranked among companies with meaningful ROE (%) only.
SOMH' s 10-Year ROE (%) Range
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
159% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SOMH: 0.90 )
Ranked among companies with meaningful ROA (%) only.
SOMH' s 10-Year ROA (%) Range
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
188% of the 1215 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 10-Year Revenue Growth (3Y)(%) Range
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
213% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SOMH: 16.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SOMH' s 10-Year EBITDA Growth (3Y)(%) Range
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
213% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. SOMH: 20.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SOMH' s 10-Year EPS Growth (3Y)(%) Range
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
176% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SOMH: 22.00 )
Ranked among companies with meaningful P/E(ttm) only.
SOMH' s 10-Year P/E(ttm) Range
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
177% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SOMH: 22.00 )
Ranked among companies with meaningful PE(NRI) only.
SOMH' s 10-Year PE(NRI) Range
Min: 0  Med: 0.00 Max: 0
Current: 22
P/B 1.55
SOMH's P/B is ranked lower than
166% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SOMH: 1.55 )
Ranked among companies with meaningful P/B only.
SOMH' s 10-Year P/B Range
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
162% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SOMH: 4.51 )
Ranked among companies with meaningful P/S only.
SOMH' s 10-Year P/S Range
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
264% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SOMH: 36.58 )
Ranked among companies with meaningful PFCF only.
SOMH' s 10-Year PFCF Range
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
178% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SOMH: 15.08 )
Ranked among companies with meaningful EV-to-EBIT only.
SOMH' s 10-Year EV-to-EBIT Range
Min: 0.1  Med: 17.10 Max: 102.9
Current: 15.08
0.1
102.9
PEG 1.19
SOMH's PEG is ranked lower than
368% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SOMH: 1.19 )
Ranked among companies with meaningful PEG only.
SOMH' s 10-Year PEG Range
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
290% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. SOMH: 30.98 )
Ranked among companies with meaningful Shiller P/E only.
SOMH' s 10-Year Shiller P/E Range
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
2924% of the 78 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.07 vs. SOMH: 0.99 )
Ranked among companies with meaningful Current Ratio only.
SOMH' s 10-Year Current Ratio Range
Min: 0  Med: 0.00 Max: 0
Current: 0.99
Quick Ratio 0.92
SOMH's Quick Ratio is ranked lower than
2924% of the 78 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.85 vs. SOMH: 0.92 )
Ranked among companies with meaningful Quick Ratio only.
SOMH' s 10-Year Quick Ratio Range
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
101% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SOMH: 2.65 )
Ranked among companies with meaningful Dividend Yield only.
SOMH' s 10-Year Dividend Yield Range
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
172% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SOMH: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
SOMH' s 10-Year Dividend Payout Range
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
338% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SOMH: 11.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
SOMH' s 10-Year Dividend growth (3y) Range
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
101% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SOMH: 4.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SOMH' s 10-Year Yield on cost (5-Year) Range
Min: 0.28  Med: 3.48 Max: 7.02
Current: 4.88
0.28
7.02
Share Buyback Rate -0.80
SOMH's Share Buyback Rate is ranked lower than
225% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SOMH: -0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
SOMH' s 10-Year Share Buyback Rate Range
Min: -0.4  Med: -5.30 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
169% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SOMH: 2.10 )
Ranked among companies with meaningful Price/Tangible Book only.
SOMH' s 10-Year Price/Tangible Book Range
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
283% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SOMH: 1.30 )
Ranked among companies with meaningful Price/Projected FCF only.
SOMH' s 10-Year Price/Projected FCF Range
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
174% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SOMH: 1.70 )
Ranked among companies with meaningful Price/Median PS Value only.
SOMH' s 10-Year Price/Median PS Value Range
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
615% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. SOMH: 1.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SOMH' s 10-Year Price/Peter Lynch Fair Value Range
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
193% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SOMH: 1.60 )
Ranked among companies with meaningful Price/Graham Number only.
SOMH' s 10-Year Price/Graham Number Range
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
162% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SOMH: 6.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SOMH' s 10-Year Earnings Yield (Greenblatt) (%) Range
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
288% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. SOMH: 38.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SOMH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.3  Med: 12.50 Max: 45.5
Current: 38.42
-4.3
45.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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Headlines

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