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Somerset Trust Holding CoSOME -0.41%49 Cash-to-Debt is 0.19 as of Jun. 2026, which is 21% below its 10-year median of 0.24. GuruFocus rates SOME with a GF Score™ of 49/100 and a GF Value™ of $54.63 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,490 Banks companies, Somerset Trust Holding Co ranks worse than 89.73% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Somerset Trust Holding Co's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.19.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Somerset Trust Holding Cocouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Somerset Trust Holding Co's Cash-to-Debt or its related term are showing as below:
SOME'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18 Med: 0.24 Max: 1.48
Current: 0.19
During the past 7 years, Somerset Trust Holding Co's highest Cash to Debt Ratio was 1.48. The lowest was 0.18. And the median was 0.24.
SOME's Cash-to-Debt is ranked worse than 89.73% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs SOME: 0.19
Somerset Trust Holding Co (OTCPK:SOME) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Somerset Trust Holding Co Cash-to-Debt Related Terms
Somerset Trust Holding Co Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Somerset Trust Holding Co's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co's Cash-to-Debt falls into.
* 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.
Somerset Trust Holding Co (SOME) has a Cash-to-Debt of 0.19 as of Jun. 2026. This is 21% below median its historical median of 0.24. Over the past decade, Somerset Trust Holding Co's Cash-to-Debt has ranged from 0.18 to 1.48. According to the industry distribution chart, Somerset Trust Holding Co ranks #1337 out of 1490 companies in the Banks industry, placing it in the top 89.7%.
Is Somerset Trust Holding Co's Cash-to-Debt too high?
Somerset Trust Holding Co's current Cash-to-Debt of 0.19 is 21% below median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.48. The Banks industry median Cash-to-Debt is 1.38. Somerset Trust Holding Co's value of 0.19 is 86.2% below this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #1337 out of 1490 companies in the Banks industry, which is in the bottom quartile 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 Cash-to-Debt compare to LYBC and FXLG?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #1337 out of 1490 companies for Cash-to-Debt. This places Somerset Trust Holding Co in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Somerset Trust Holding Co's value of 0.19 is 86.2% below this benchmark. Historically, Somerset Trust Holding Co's own Cash-to-Debt has ranged from 0.18 to 1.48 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 1.38, Somerset Trust Holding Co has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Somerset Trust Holding Co's current Cash-to-Debt of 0.19 is 86.2% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current Cash-to-Debt is 0.19, which is 21% below median its own 10-year median of 0.24. 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 Cash-to-Debt is 0.19, which is 21% below median its 10-year median of 0.24 and 86.2% below the Banks industry median of 1.38. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Somerset Trust Holding Co (SOME), the current Cash-to-Debt is 0.19 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:
Cash-to-Debt: 0.19 (21% below median its 10-year median of 0.24)
GF Value™: $54.63 vs. price of $85.65 (56.8% above fair value)
Industry Position: 86.2% below the Banks median (#1337 of 1490)
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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