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Solvay BankSOBS 63 3-Year FCF Growth Rate is -21.20% as of Dec. 2025. GuruFocus rates SOBS with a GF Score™ of 63/100 and a GF Value™ of $28.06 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,046 Banks companies, Solvay Bank ranks worse than 76.67% on this metric.
During the past 12 months, Solvay Bank's average Free Cash Flow per Share Growth Rate was 1010.10% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was -21.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was -30.50% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Solvay Bank was 40.00% per year. The lowest was -66.80% per year. And the median was 9.80% per year.
Solvay Bank (OTCPK:SOBS) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Solvay Bank 3-Year FCF Growth Rate Related Terms
SOBS vs AUBN, CZBT, CZBC: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Solvay Bank's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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.
Solvay Bank 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Solvay Bank's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of -21.20% mean?
Solvay Bank (SOBS) has a 3-Year FCF Growth Rate of -21.20% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Solvay Bank and its competitors. According to the industry distribution chart, Solvay Bank ranks #802 out of 1046 companies in the Banks industry, placing it in the top 76.7%.
Is Solvay Bank's 3-Year FCF Growth Rate too high?
Solvay Bank's current 3-Year FCF Growth Rate is -21.20%. Based on the distribution chart, Solvay Bank ranks #802 out of 1046 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Solvay Bank has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's 3-Year FCF Growth Rate compare to AUBN and CZBT?
According to the Banks industry distribution chart, Solvay Bank ranks #802 out of 1046 companies for 3-Year FCF Growth Rate. This places Solvay Bank in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 0.45. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.45, based on 1,046 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Solvay Bank and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current 3-Year FCF Growth Rate is -21.20%. 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 $28.06, compared to a current price of $36.10 — trading 28.7% above its estimated fair value. The current 3-Year FCF Growth Rate is -21.20%. Solvay Bank's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Solvay Bank (SOBS), the current 3-Year FCF Growth Rate is -21.20% 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 $36.10 is trading 28.7% above its estimated GF Value™ of $28.06.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
3-Year FCF Growth Rate: -21.20%
GF Value™: $28.06 vs. price of $36.10 (28.7% above fair value)
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 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.
63GF Score
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