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Solvay BankSOBS -0.09%63 EV-to-FCF is 17.64 as of Jul. 30, 2026, which is 49% above its 10-year median of 11.85. GuruFocus rates SOBS with a GF Score™ of 63/100 and a GF Value™ of $28.15 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,191 Banks companies, Solvay Bank ranks worse than 78.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Solvay Bank's Enterprise Value is $88.36 Mil.
Solvay Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.01 Mil. Therefore, Solvay Bank's EV-to-FCF for today is 17.64.
The historical rank and industry rank for Solvay Bank's EV-to-FCF or its related term are showing as below:
SOBS'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.17 Med: 11.85 Max: 248.57
Current: 17.64
During the past 13 years, the highest EV-to-FCF of Solvay Bank was 248.57. The lowest was 6.17. And the median was 11.85.
SOBS's EV-to-FCF is ranked worse than 78.76% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs SOBS: 17.64
EV-to-FCF 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-FCF 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 $32.97.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Solvay Bank EV-to-FCF Related Terms
Solvay Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Solvay Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Solvay Bank's EV-to-FCF falls into.
Solvay Bank's current Enterprise Value is $88.36 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Solvay Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.01 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-FCF of 17.64 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Solvay Bank and its competitors. This is 49% above median its historical median of 11.85. Over the past decade, Solvay Bank's EV-to-FCF has ranged from 6.17 to 248.57. According to the industry distribution chart, Solvay Bank ranks #938 out of 1191 companies in the Banks industry, placing it in the top 78.8%.
Is Solvay Bank's EV-to-FCF too high?
Solvay Bank's current EV-to-FCF of 17.64 is 49% above median its 10-year median of 11.85. Over the past 10 years, this metric has ranged from a low of 6.17 to a high of 248.57. The Banks industry median EV-to-FCF is 7.24. Solvay Bank's value of 17.64 is 143.6% above this industry median. Based on the distribution chart, Solvay Bank ranks #938 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Solvay Bank has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's EV-to-FCF compare to KLIB and IBTN?
According to the Banks industry distribution chart, Solvay Bank ranks #938 out of 1191 companies for EV-to-FCF. This places Solvay Bank in the lower half of its industry. The industry median EV-to-FCF is 7.24. Solvay Bank's value of 17.64 is 143.6% above this benchmark. Historically, Solvay Bank's own EV-to-FCF has ranged from 6.17 to 248.57 over the past decade. While the company's 10-year median is 11.85 vs. the industry median of 7.24, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current EV-to-FCF of 17.64 is 143.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Solvay Bank and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current EV-to-FCF is 17.64, which is 49% above median its own 10-year median of 11.85. 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 $28.15, compared to a current price of $32.97 — trading 17.1% above its estimated fair value. The current EV-to-FCF is 17.64, which is 49% above median its 10-year median of 11.85 and 143.6% above the Banks industry median of 7.24. Solvay Bank's overall GF Score™ is 63/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Solvay Bank (SOBS), the current EV-to-FCF is 17.64 as of Jul. 30, 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 $32.97 is trading 17.1% above its estimated GF Value™ of $28.15.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
EV-to-FCF: 17.64 (49% above median its 10-year median of 11.85)
GF Value™: $28.15 vs. price of $32.97 (17.1% above fair value)
Industry Position: 143.6% above the Banks median (#938 of 1191)
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.
63GF Score
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