Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Somerset Trust Holding CoSOME 49 3-Year EPS without NRI Growth Rate is 6.20% as of Jun. 2026, which is 71% below its 10-year median of 21.65. GuruFocus rates SOME with a GF Score™ of 49/100 and a GF Value™ of $54.49 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,409 Banks companies, Somerset Trust Holding Co ranks worse than 52.95% on this metric.
During the past 12 months, Somerset Trust Holding Co's average EPS without NRI Growth Rate was 8.90% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 6.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 17.40% 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 EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Somerset Trust Holding Co was 26.00% per year. The lowest was 6.20% per year. And the median was 21.65% per year.
Somerset Trust Holding Co (OTCPK:SOME) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Somerset Trust Holding Co 3-Year EPS without NRI Growth Rate Related Terms
SOME vs FXLG, OVBC, OAKC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Somerset Trust Holding Co's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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.
Somerset Trust Holding Co 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co's 3-Year EPS without NRI Growth Rate falls into.
Somerset Trust Holding Co 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 6.20% mean?
Somerset Trust Holding Co (SOME) has a 3-Year EPS without NRI Growth Rate of 6.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Somerset Trust Holding Co and its competitors. This is 71% below median its historical median of 21.65. Over the past decade, Somerset Trust Holding Co's 3-Year EPS without NRI Growth Rate has ranged from 6.20 to 26.00. According to the industry distribution chart, Somerset Trust Holding Co ranks #746 out of 1409 companies in the Banks industry, placing it in the top 52.9%.
Is Somerset Trust Holding Co's 3-Year EPS without NRI Growth Rate too high?
Somerset Trust Holding Co's current 3-Year EPS without NRI Growth Rate of 6.20% is 71% below median its 10-year median of 21.65. Over the past 10 years, this metric has ranged from a low of 6.20 to a high of 26.00. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Somerset Trust Holding Co's value of 6.20% is 17.3% below this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #746 out of 1409 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 3-Year EPS without NRI Growth Rate compare to FXLG and OVBC?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #746 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places Somerset Trust Holding Co in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Somerset Trust Holding Co's value of 6.20% is 17.3% below this benchmark. Historically, Somerset Trust Holding Co's own 3-Year EPS without NRI Growth Rate has ranged from 6.20 to 26.00 over the past decade. While the company's 10-year median is 21.65 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Somerset Trust Holding Co's current 3-Year EPS without NRI Growth Rate of 6.20% is 17.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Somerset Trust Holding Co and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current 3-Year EPS without NRI Growth Rate is 6.20%, which is 71% below median its own 10-year median of 21.65. 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 $54.49, compared to a current price of $86.00 — trading 57.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 6.20%, which is 71% below median its 10-year median of 21.65 and 17.3% below the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Somerset Trust Holding Co (SOME), the current 3-Year EPS without NRI Growth Rate is 6.20% 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 $86.00 is trading 57.8% above its estimated GF Value™ of $54.49.
GuruFocus considers Somerset Trust Holding Co to be Significantly Overvalued.
Key valuation signals for SOME:
3-Year EPS without NRI Growth Rate: 6.20% (71% below median its 10-year median of 21.65)
GF Value™: $54.49 vs. price of $86.00 (57.8% above fair value)
Industry Position: 17.3% below the Banks median (#746 of 1409)
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
Get the complete analysis for SOME
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SOME has been successfully added to your 
