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Somerset Trust Holding CoSOME -0.41%49 3-Year Book Growth Rate is 22.40% as of Jun. 2026, which is 715% above its 10-year median of 2.75. GuruFocus rates SOME with a GF Scoreâ„¢ of 49/100 and a GF Valueâ„¢ of $54.63 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,487 Banks companies, Somerset Trust Holding Co ranks better than 91.53% on this metric.
During the past 12 months, Somerset Trust Holding Co's average Book Value per Share Growth Rate was 27.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 22.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Somerset Trust Holding Co was 22.40% per year. The lowest was -4.40% per year. And the median was 2.75% per year.
Somerset Trust Holding Co (OTCPK:SOME) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Somerset Trust Holding Co 3-Year Book Growth Rate Related Terms
SOME vs LYBC, FXLG, OVBC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Somerset Trust Holding Co's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Somerset Trust Holding Co 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co's 3-Year Book Growth Rate falls into.
Somerset Trust Holding Co 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 22.40% mean?
Somerset Trust Holding Co (SOME) has a 3-Year Book Growth Rate of 22.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Somerset Trust Holding Co and its competitors. This is 715% above median its historical median of 2.75. According to the industry distribution chart, Somerset Trust Holding Co ranks #126 out of 1487 companies in the Banks industry, placing it in the top 8.5%.
Is Somerset Trust Holding Co's 3-Year Book Growth Rate too high?
Somerset Trust Holding Co's current 3-Year Book Growth Rate of 22.40% is 715% above median its 10-year median of 2.75. The Banks industry median 3-Year Book Growth Rate is 8.80. Somerset Trust Holding Co's value of 22.40% is 154.5% above this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #126 out of 1487 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Somerset Trust Holding Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Somerset Trust Holding Co's 3-Year Book Growth Rate compare to LYBC and FXLG?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #126 out of 1487 companies for 3-Year Book Growth Rate. This places Somerset Trust Holding Co in the top 9% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Somerset Trust Holding Co's value of 22.40% is 154.5% above this benchmark. While the company's 10-year median is 2.75 vs. the industry median of 8.80, Somerset Trust Holding Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Somerset Trust Holding Co's current 3-Year Book Growth Rate of 22.40% is 154.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Somerset Trust Holding Co and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current 3-Year Book Growth Rate is 22.40%, which is 715% above median its own 10-year median of 2.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Somerset Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Somerset Trust Holding Co (SOME) is currently considered Significantly Overvalued. The stock's GF Value™ is $54.63, compared to a current price of $85.65 — trading 56.8% above its estimated fair value. The current 3-Year Book Growth Rate is 22.40%, which is 715% above median its 10-year median of 2.75 and 154.5% above the Banks industry median of 8.80. Somerset Trust Holding Co's overall GF Score™ is 49/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Somerset Trust Holding Co (SOME), the current 3-Year Book Growth Rate is 22.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Somerset Trust Holding Co (SOME) Overvalued in 2026?
Based on GuruFocus' analysis, Somerset Trust Holding Co stock appears to be overvalued.
The current stock price of $85.65 is trading 56.8% above its estimated GF Value™ of $54.63.
GuruFocus considers Somerset Trust Holding Co to be Significantly Overvalued.
Key valuation signals for SOME:
3-Year Book Growth Rate: 22.40% (715% above median its 10-year median of 2.75)
GF Value™: $54.63 vs. price of $85.65 (56.8% above fair value)
Industry Position: 154.5% above the Banks median (#126 of 1487)
No single metric tells the full story. See the SOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Somerset Trust Holding Co, along with its subsidiaries, operates as an independent community bank that offers a variety of consumer and commercial lending and deposit products, together with trust and investment management services, an extensive ATM network, and online and mobile banking for consumers and businesses. The Group's revenues are derived from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans. Additional sources consist of an investment portfolio, trust services, and investment management services, etc.
49GF Score
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