SOBS (Solvay Bank) Net Loan: $735.31 Mil (As of Dec. 2025)


SOBS Solvay Bank SOBS
65 GF Score
Price $33.00
GF Value $28.22
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Solvay Bank Net Loan?

Solvay Bank SOBS -1.36% 65 Net Loan is $735.31 Mil as of Dec. 2025. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.22 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Solvay Bank's quarterly net loan increased from Dec. 2023 ($690.55 Mil) to Dec. 2024 ($710.49 Mil) and increased from Dec. 2024 ($710.49 Mil) to Dec. 2025 ($735.31 Mil).

Solvay Bank's annual net loan increased from Dec. 2023 ($690.55 Mil) to Dec. 2024 ($710.49 Mil) and increased from Dec. 2024 ($710.49 Mil) to Dec. 2025 ($735.31 Mil).

Solvay Bank Net Loan Historical Data

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The historical data trend for Solvay Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Solvay Bank Net Loan Chart

Solvay Bank Annual Data
Trend Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 617.60 664.40 690.55 710.49 735.31

Solvay Bank Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 617.60 664.40 690.55 710.49 735.31
SOBS
65GF Score
Solvay Bank SOBS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Solvay Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $735.31 Mil mean?
Solvay Bank (SOBS) has a Net Loan of $735.31 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Solvay Bank and its competitors.
Is Solvay Bank's Net Loan too high?
Solvay Bank's current Net Loan is $735.31 Mil. Overall, Solvay Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's Net Loan compare to HMLN and BKOR?
Solvay Bank's Net Loan of $735.31 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Solvay Bank and its competitors. Solvay Bank's current Net Loan is $735.31 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solvay Bank stock overvalued right now?
Based on GuruFocus' analysis, Solvay Bank (SOBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.22, compared to a current price of $33.00 — trading 16.9% above its estimated fair value. The current Net Loan is $735.31 Mil. Solvay Bank's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Solvay Bank (SOBS), the current Net Loan is $735.31 Mil as of Dec. 2025. 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 Solvay Bank (SOBS) Overvalued in 2026?

Based on GuruFocus' analysis, Solvay Bank stock appears to be overvalued. The current stock price of $33.00 is trading 16.9% above its estimated GF Value™ of $28.22. GuruFocus considers Solvay Bank to be Modestly Overvalued.

Key valuation signals for SOBS:

  • Net Loan: $735.31 Mil
  • GF Value™: $28.22 vs. price of $33.00 (16.9% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the SOBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Solvay Bank Business Description

Address 1537 Milton Avenue, Solvay, NY, USA, 13209
Solvay Bank is a United States based community bank. It offers personal and business banking services. The bank provides business loans, deposit accounts, small business administration, commercial real estate, special lending programs, electronic services, merchant services and other banking services. The objectives of its security portfolio are to provide liquidity for future funding needs, a safe and lower-risk investment alternative for idle funds, and a stable source of core earnings.
65GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.00
Price
$28.22
GF Value