SOBS (Solvay Bank) FCF Yield %: 5.81 (As of Jun. 27, 2026) — 47% Below Median


SOBS Solvay Bank SOBS
65 GF Score
Price $34.00
GF Value $28.23
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Solvay Bank FCF Yield %?

Solvay Bank SOBS 65 FCF Yield % is 5.81 as of Jun. 27, 2026, which is 47% below its 10-year median of 11.03. 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 60.2% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Solvay Bank's Trailing 12-Month Free Cash Flow is $5.01 Mil, and Market Cap is $86.20 Mil. Therefore, Solvay Bank's FCF Yield % for today is 5.81%.

The historical rank and industry rank for Solvay Bank's FCF Yield % or its related term are showing as below:

SOBS' s FCF Yield % Range Over the Past 10 Years
Min: 0.56   Med: 11.03   Max: 20.83
Current: 5.81


During the past 13 years, the highest FCF Yield % of Solvay Bank was 20.83%. The lowest was 0.56%. And the median was 11.03%.

SOBS's FCF Yield % is ranked worse than
60.2% of 1505 companies
in the Banks industry
Industry Median: 8.2 vs SOBS: 5.81

Solvay Bank's FCF Margin % for the quarter that ended in Dec. 2025 was 15.92%.


Solvay Bank FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Solvay Bank FCF Yield % Related Terms


Solvay Bank FCF Yield % Historical Data

* Premium members only.

The historical data trend for Solvay Bank's FCF Yield % 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.

Solvay Bank FCF Yield % Chart

Solvay Bank Annual Data
Trend Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.45 12.13 15.15 0.68 6.61

Solvay Bank Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.45 12.13 15.15 0.68 6.61

SOBS vs REDW, BKOR, MCBK: FCF Yield % Comparison

For the Banks - Regional subindustry, Solvay Bank's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Solvay Bank's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Solvay Bank's FCF Yield % falls into.


SOBS
65GF Score
Solvay Bank SOBS
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Solvay Bank FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Solvay Bank's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=5.009 / 75.77115
=6.61%

Solvay Bank's annualized FCF Yield % for the quarter that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=5.009 * 1 / 75.77115
=6.61%

* 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.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of 5.81 mean?
Solvay Bank (SOBS) has a FCF Yield % of 5.81 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Solvay Bank and its competitors. This is 47% below median its historical median of 11.03. Over the past decade, Solvay Bank's FCF Yield % has ranged from 0.56 to 20.83. According to the industry distribution chart, Solvay Bank ranks #906 out of 1505 companies in the Banks industry, placing it in the top 60.2%.
Is Solvay Bank's FCF Yield % too high?
Solvay Bank's current FCF Yield % of 5.81 is 47% below median its 10-year median of 11.03. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 20.83. The Banks industry median FCF Yield % is 8.20. Solvay Bank's value of 5.81 is 29.1% below this industry median. Based on the distribution chart, Solvay Bank ranks #906 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 Yield % compare to REDW and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #906 out of 1505 companies for FCF Yield %. This places Solvay Bank in the lower half of its industry. The industry median FCF Yield % is 8.20. Solvay Bank's value of 5.81 is 29.1% below this benchmark. Historically, Solvay Bank's own FCF Yield % has ranged from 0.56 to 20.83 over the past decade. While the company's 10-year median is 11.03 vs. the industry median of 8.20, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current FCF Yield % of 5.81 is 29.1% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Solvay Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current FCF Yield % is 5.81, which is 47% below median its own 10-year median of 11.03. 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 Yield % is 5.81, which is 47% below median its 10-year median of 11.03 and 29.1% below the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Solvay Bank (SOBS), the current FCF Yield % is 5.81 as of Jun. 27, 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 $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 Yield %: 5.81 (47% below median its 10-year median of 11.03)
  • GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
  • GF Score™: 65/100 with 6 warning signs
  • Industry Position: 29.1% below the Banks median (#906 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 Business Description

Address 1537 Milton Avenue, Solvay, NY, USA, 13209
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

Get the complete analysis for SOBS

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.00
Price
$28.23
GF Value