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Solvay BankSOBS 65 Intrinsic Value: Projected FCF is $59.75 as of Aug. 11, 2026, which is 11174% above its 10-year median of 0.53. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.12 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,304 Banks companies, Solvay Bank ranks better than 53.68% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-11), Solvay Bank's Intrinsic Value: Projected FCF is $59.75. The stock price of Solvay Bank is $33.85. Therefore, Solvay Bank's Price-to-Intrinsic-Value-Projected-FCF of today is 0.6.
The historical rank and industry rank for Solvay Bank's Intrinsic Value: Projected FCF or its related term are showing as below:
SOBS'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.47 Med: 0.53 Max: 0.62
Current: 0.57
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Solvay Bank was 0.62. The lowest was 0.47. And the median was 0.53.
SOBS's Price-to-Projected-FCF is ranked better than 53.68% of 1304
companies
in the Banks industry
Industry Median: 0.59
vs SOBS: 0.57
Solvay Bank (OTCPK:SOBS) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Solvay Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
33.85
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
Solvay Bank Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Solvay Bank's Intrinsic Value: Projected 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.
SOBS vs KLIB, IBTN, HMLN: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Solvay Bank's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Solvay Bank's Price-to-Projected-FCF falls into.
Solvay Bank Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $59.75 mean?
Solvay Bank (SOBS) has a Intrinsic Value: Projected FCF of $59.75 as of Aug. 11, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Solvay Bank and its competitors. This is 11174% above median its historical median of 0.53. Over the past decade, Solvay Bank's Intrinsic Value: Projected FCF has ranged from 0.47 to 0.62. According to the industry distribution chart, Solvay Bank ranks #604 out of 1304 companies in the Banks industry, placing it in the top 46.3%.
Is Solvay Bank's Intrinsic Value: Projected FCF too high?
Solvay Bank's current Intrinsic Value: Projected FCF of $59.75 is 11174% above median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 0.62. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Solvay Bank's value of $59.75 is 10027.1% above this industry median. Based on the distribution chart, Solvay Bank ranks #604 out of 1304 companies in the Banks industry, which is above 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 Intrinsic Value: Projected FCF compare to KLIB and IBTN?
According to the Banks industry distribution chart, Solvay Bank ranks #604 out of 1304 companies for Intrinsic Value: Projected FCF. This puts Solvay Bank in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Solvay Bank's value of $59.75 is 10027.1% above this benchmark. Historically, Solvay Bank's own Intrinsic Value: Projected FCF has ranged from 0.47 to 0.62 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,304 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current Intrinsic Value: Projected FCF of $59.75 is 10027.1% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Solvay Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current Intrinsic Value: Projected FCF is $59.75, which is 11174% above median its own 10-year median of 0.53. 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 $28.12, compared to a current price of $33.85 — trading 20.4% above its estimated fair value. The current Intrinsic Value: Projected FCF is $59.75, which is 11174% above median its 10-year median of 0.53 and 10027.1% above the Banks industry median of 0.59. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Solvay Bank (SOBS), the current Intrinsic Value: Projected FCF is $59.75 as of Aug. 11, 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 $33.85 is trading 20.4% above its estimated GF Value™ of $28.12.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
Intrinsic Value: Projected FCF: $59.75 (11174% above median its 10-year median of 0.53)
GF Value™: $28.12 vs. price of $33.85 (20.4% above fair value)
Industry Position: 10027.1% above the Banks median (#604 of 1304)
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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Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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