Solvay BankSOBS -2.13%65 EV-to-OCF is 12.37 as of Jul. 13, 2026, which is 9% above its 10-year median of 11.34. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.19 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Solvay Bank ranks worse than 78.67% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Solvay Bank's Enterprise Value is $85.92 Mil.
Solvay Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.95 Mil. Therefore, Solvay Bank's EV-to-OCF for today is 12.37.
The historical rank and industry rank for Solvay Bank's EV-to-OCF or its related term are showing as below:
SOBS'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.11 Med: 11.34 Max: 77.52
Current: 12.37
During the past 13 years, the highest EV-to-OCF of Solvay Bank was 77.52. The lowest was 6.11. And the median was 11.34.
SOBS's EV-to-OCF is ranked worse than 78.67% of 1505
companies
in the Banks industry
Industry Median: 3.72
vs SOBS: 12.37
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Solvay Bank's PE Ratio (TTM) for today is calculated as:
Solvay Bank's share price for today is $32.01.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Solvay Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.270.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Solvay Bank EV-to-OCF Related Terms
Solvay Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Solvay Bank's EV-to-OCF 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.
For the Banks - Regional subindustry, Solvay Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Solvay Bank's EV-to-OCF falls into.
Solvay Bank's current Enterprise Value is $85.92 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Solvay Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $6.95 Mil.
* 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 EV-to-OCF of 12.37 as of Jul. 13, 2026. This is near median its historical median of 11.34. Over the past decade, Solvay Bank's EV-to-OCF has ranged from 6.11 to 77.52. According to the industry distribution chart, Solvay Bank ranks #1184 out of 1505 companies in the Banks industry, placing it in the top 78.7%.
Is Solvay Bank's EV-to-OCF too high?
Solvay Bank's current EV-to-OCF of 12.37 is near median its 10-year median of 11.34. Over the past 10 years, this metric has ranged from a low of 6.11 to a high of 77.52. The Banks industry median EV-to-OCF is 3.72. Solvay Bank's value of 12.37 is 232.5% above this industry median. Based on the distribution chart, Solvay Bank ranks #1184 out of 1505 companies in the Banks industry, which is in the bottom quartile 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 EV-to-OCF compare to HMLN and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #1184 out of 1505 companies for EV-to-OCF. This places Solvay Bank in the lower half of its industry. The industry median EV-to-OCF is 3.72. Solvay Bank's value of 12.37 is 232.5% above this benchmark. Historically, Solvay Bank's own EV-to-OCF has ranged from 6.11 to 77.52 over the past decade. While the company's 10-year median is 11.34 vs. the industry median of 3.72, Solvay Bank 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.72, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current EV-to-OCF of 12.37 is 232.5% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current EV-to-OCF is 12.37, which is near median its own 10-year median of 11.34. 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 $28.19, compared to a current price of $32.01 — trading 13.6% above its estimated fair value. The current EV-to-OCF is 12.37, which is near median its 10-year median of 11.34 and 232.5% above the Banks industry median of 3.72. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Solvay Bank (SOBS), the current EV-to-OCF is 12.37 as of Jul. 13, 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 Solvay Bank (SOBS) Overvalued in 2026?
Based on GuruFocus' analysis, Solvay Bank stock appears to be overvalued.
The current stock price of $32.01 is trading 13.6% above its estimated GF Value™ of $28.19.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
EV-to-OCF: 12.37 (near median its 10-year median of 11.34)
GF Value™: $28.19 vs. price of $32.01 (13.6% above fair value)
Industry Position: 232.5% above the Banks median (#1184 of 1505)
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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