Solvay BankSOBS 65 FCF Margin % is 15.92% as of Dec. 2025, which is 35% below its 10-year median of 24.61. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.23 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Solvay Bank ranks worse than 62.52% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Solvay Bank's Free Cash Flow for the
six
months ended in Dec. 2025 was $5.01 Mil. Solvay Bank's Revenue for the
six
months ended in Dec. 2025 was $31.47 Mil. Therefore, Solvay Bank's FCF Margin % for the quarter that ended in Dec. 2025 was 15.92%.
The historical rank and industry rank for Solvay Bank's FCF Margin % or its related term are showing as below:
SOBS'
s FCF Margin % Range Over the Past 10 Years
Min: 1.53 Med: 24.61 Max: 40.43
Current: 15.92
During the past 13 years, the highest FCF Margin % of Solvay Bank was 40.43%. The lowest was 1.53%. And the median was 24.61%.
SOBS's FCF Margin % is ranked worse than 62.52% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs SOBS: 15.92
Solvay Bank FCF Margin % Related Terms
Solvay Bank FCF Margin % Historical Data
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The historical data trend for Solvay Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Solvay Bank's FCF Margin % 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.
Solvay Bank (SOBS) has a FCF Margin % of 15.92% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Solvay Bank and its competitors. This is 35% below median its historical median of 24.61. Over the past decade, Solvay Bank's FCF Margin % has ranged from 1.53 to 40.43. According to the industry distribution chart, Solvay Bank ranks #941 out of 1505 companies in the Banks industry, placing it in the top 62.5%.
Is Solvay Bank's FCF Margin % too high?
Solvay Bank's current FCF Margin % of 15.92% is 35% below median its 10-year median of 24.61. Over the past 10 years, this metric has ranged from a low of 1.53 to a high of 40.43. The Banks industry median FCF Margin % is 26.55. Solvay Bank's value of 15.92% is 40% below this industry median. Based on the distribution chart, Solvay Bank ranks #941 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to REDW and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #941 out of 1505 companies for FCF Margin %. This places Solvay Bank in the lower half of its industry. The industry median FCF Margin % is 26.55. Solvay Bank's value of 15.92% is 40% below this benchmark. Historically, Solvay Bank's own FCF Margin % has ranged from 1.53 to 40.43 over the past decade. While the company's 10-year median is 24.61 vs. the industry median of 26.55, Solvay Bank 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current FCF Margin % of 15.92% is 40% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Solvay Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current FCF Margin % is 15.92%, which is 35% below median its own 10-year median of 24.61. 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 $28.23, compared to a current price of $34.00 — trading 20.4% above its estimated fair value. The current FCF Margin % is 15.92%, which is 35% below median its 10-year median of 24.61 and 40% below the Banks industry median of 26.55. Solvay Bank's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Solvay Bank (SOBS), the current FCF Margin % is 15.92% as of Dec. 2025. 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 $34.00 is trading 20.4% above its estimated GF Value™ of $28.23.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
FCF Margin %: 15.92% (35% below median its 10-year median of 24.61)
GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
Industry Position: 40% below the Banks median (#941 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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