Solvay BankSOBS +1.52%65 Debt-to-Equity is 0.17 as of Dec. 2025, which is 70% below its 10-year median of 0.56. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.20 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,424 Banks companies, Solvay Bank ranks better than 79.92% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Solvay Bank's Debt-to-Equity or its related term are showing as below:
SOBS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.56 Max: 1.05
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of Solvay Bank was 1.05. The lowest was 0.04. And the median was 0.56.
SOBS's Debt-to-Equity is ranked better than 79.92% of 1424
companies
in the Banks industry
Industry Median: 0.56
vs SOBS: 0.17
Solvay Bank (OTCPK:SOBS) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Solvay Bank Debt-to-Equity Related Terms
Solvay Bank Debt-to-Equity Historical Data
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The historical data trend for Solvay Bank's Debt-to-Equity 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.
SOBS vs HMLN, BKOR, EDVR: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Solvay Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Solvay Bank's Debt-to-Equity 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.
Solvay Bank (SOBS) has a Debt-to-Equity of 0.17 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Solvay Bank and its competitors. This is 70% below median its historical median of 0.56. Over the past decade, Solvay Bank's Debt-to-Equity has ranged from 0.04 to 1.05. According to the industry distribution chart, Solvay Bank ranks #286 out of 1424 companies in the Banks industry, placing it in the top 20.1%.
Is Solvay Bank's Debt-to-Equity too high?
Solvay Bank's current Debt-to-Equity of 0.17 is 70% below median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 1.05. The Banks industry median Debt-to-Equity is 0.56. Solvay Bank's value of 0.17 is 69.6% below this industry median. Based on the distribution chart, Solvay Bank ranks #286 out of 1424 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to HMLN and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #286 out of 1424 companies for Debt-to-Equity. This places Solvay Bank in the top 20% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Solvay Bank's value of 0.17 is 69.6% below this benchmark. Historically, Solvay Bank's own Debt-to-Equity has ranged from 0.04 to 1.05 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 0.56, Solvay Bank 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,424 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current Debt-to-Equity of 0.17 is 69.6% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Solvay Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current Debt-to-Equity is 0.17, which is 70% below median its own 10-year median of 0.56. 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 $28.20, compared to a current price of $33.50 — trading 18.8% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 70% below median its 10-year median of 0.56 and 69.6% below the Banks industry median of 0.56. Solvay Bank's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Solvay Bank (SOBS), the current Debt-to-Equity is 0.17 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 $33.50 is trading 18.8% above its estimated GF Value™ of $28.20.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
Debt-to-Equity: 0.17 (70% below median its 10-year median of 0.56)
GF Value™: $28.20 vs. price of $33.50 (18.8% above fair value)
Industry Position: 69.6% below the Banks median (#286 of 1424)
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.
65GF Score
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