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Somerset Trust Holding CoSOME +2.56%49 Debt-to-Equity is 1.22 as of Jun. 2026, which is 15% below its 10-year median of 1.44. GuruFocus rates SOME with a GF Score™ of 49/100 and a GF Value™ of $54.34 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, Somerset Trust Holding Co ranks worse than 72.57% 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 Somerset Trust Holding Co's Debt-to-Equity or its related term are showing as below:
SOME'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.73 Med: 1.44 Max: 2.11
Current: 1.22
During the past 7 years, the highest Debt-to-Equity Ratio of Somerset Trust Holding Co was 2.11. The lowest was 0.73. And the median was 1.44.
SOME's Debt-to-Equity is ranked worse than 72.57% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs SOME: 1.22
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.
Somerset Trust Holding Co Debt-to-Equity Related Terms
Somerset Trust Holding Co Debt-to-Equity 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.
SOME vs FXLG, OVBC, OAKC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Somerset Trust Holding Co'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.
Somerset Trust Holding Co Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co'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.
Somerset Trust Holding Co (SOME) has a Debt-to-Equity of 1.22 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Somerset Trust Holding Co and its competitors. This is 15% below median its historical median of 1.44. Over the past decade, Somerset Trust Holding Co's Debt-to-Equity has ranged from 0.73 to 2.11. According to the industry distribution chart, Somerset Trust Holding Co ranks #1032 out of 1422 companies in the Banks industry, placing it in the top 72.6%.
Is Somerset Trust Holding Co's Debt-to-Equity too high?
Somerset Trust Holding Co's current Debt-to-Equity of 1.22 is 15% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 2.11. The Banks industry median Debt-to-Equity is 0.58. Somerset Trust Holding Co's value of 1.22 is 110.3% above this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #1032 out of 1422 companies in the Banks industry, which is below the industry midpoint. 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 Debt-to-Equity compare to FXLG and OVBC?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #1032 out of 1422 companies for Debt-to-Equity. This places Somerset Trust Holding Co in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Somerset Trust Holding Co's value of 1.22 is 110.3% above this benchmark. Historically, Somerset Trust Holding Co's own Debt-to-Equity has ranged from 0.73 to 2.11 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 0.58, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 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. Somerset Trust Holding Co's current Debt-to-Equity of 1.22 is 110.3% 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 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 Somerset Trust Holding Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current Debt-to-Equity is 1.22, which is 15% below median its own 10-year median of 1.44. 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 $54.34, compared to a current price of $80.00 — trading 47.2% above its estimated fair value. The current Debt-to-Equity is 1.22, which is 15% below median its 10-year median of 1.44 and 110.3% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Somerset Trust Holding Co (SOME), the current Debt-to-Equity is 1.22 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 $80.00 is trading 47.2% above its estimated GF Value™ of $54.34.
GuruFocus considers Somerset Trust Holding Co to be Significantly Overvalued.
Key valuation signals for SOME:
Debt-to-Equity: 1.22 (15% below median its 10-year median of 1.44)
GF Value™: $54.34 vs. price of $80.00 (47.2% above fair value)
Industry Position: 110.3% above the Banks median (#1032 of 1422)
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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