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Somerset Trust Holding CoSOME +2.56%49 Equity-to-Asset is 0.08 as of Jun. 2026, which is 14% above its 10-year median of 0.07. 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 1,526 Banks companies, Somerset Trust Holding Co ranks worse than 66.51% on this metric.
Somerset Trust Holding Co (OTCPK:SOME) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Somerset Trust Holding Co Equity-to-Asset Related Terms
Somerset Trust Holding Co Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Somerset Trust Holding Co's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co's Equity-to-Asset falls into.
Somerset Trust Holding Co Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Somerset Trust Holding Co's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Somerset Trust Holding Co and its competitors. This is 14% above median its historical median of 0.07. Over the past decade, Somerset Trust Holding Co's Equity-to-Asset has ranged from 0.05 to 0.09. According to the industry distribution chart, Somerset Trust Holding Co ranks #1015 out of 1526 companies in the Banks industry, placing it in the top 66.5%.
Is Somerset Trust Holding Co's Equity-to-Asset too high?
Somerset Trust Holding Co's current Equity-to-Asset of 0.08 is 14% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Somerset Trust Holding Co's value of 0.08 is 20% below this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #1015 out of 1526 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 Equity-to-Asset compare to FXLG and OVBC?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #1015 out of 1526 companies for Equity-to-Asset. This places Somerset Trust Holding Co in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Somerset Trust Holding Co's value of 0.08 is 20% below this benchmark. Historically, Somerset Trust Holding Co's own Equity-to-Asset has ranged from 0.05 to 0.09 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Somerset Trust Holding Co's current Equity-to-Asset of 0.08 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Somerset Trust Holding Co and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current Equity-to-Asset is 0.08, which is 14% above median its own 10-year median of 0.07. 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 Equity-to-Asset is 0.08, which is 14% above median its 10-year median of 0.07 and 20% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Somerset Trust Holding Co (SOME), the current Equity-to-Asset is 0.08 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:
Equity-to-Asset: 0.08 (14% above median its 10-year median of 0.07)
GF Value™: $54.34 vs. price of $80.00 (47.2% above fair value)
Industry Position: 20% below the Banks median (#1015 of 1526)
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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