SOBS (Solvay Bank) Dividend Payout Ratio: 0.78 (As of Dec. 2025) — 90% Above 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 Dividend Payout Ratio?

Solvay Bank SOBS 65 Dividend Payout Ratio is 0.78 as of Dec. 2025, which is 90% above its 10-year median of 0.41. 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 1,168 Banks companies, Solvay Bank ranks worse than 93.58% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Solvay Bank's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.78.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Solvay Bank is 0.78, which seems too high.

The historical rank and industry rank for Solvay Bank's Dividend Payout Ratio or its related term are showing as below:

SOBS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25   Med: 0.41   Max: 0.96
Current: 0.78

During the past 13 years, the highest Dividend Payout Ratio of Solvay Bank was 0.96. The lowest was 0.25. And the median was 0.41.

SOBS's Dividend Payout Ratio is ranked worse than
93.58% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs SOBS: 0.78

As of today (2026-06-27), the Dividend Yield % of Solvay Bank is 5.21%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Solvay Bank was 7.34%. The lowest was 3.11%. And the median was 4.82%.

Solvay Bank's Dividends per Share for the months ended in Dec. 2025 was $1.76.

During the past 12 months, Solvay Bank's average Dividends Per Share Growth Rate was 2.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 4.90% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 6.90% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 13.00% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Solvay Bank was 36.20% per year. The lowest was 0.00% per year. And the median was 8.70% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Solvay Bank (OTCPK:SOBS) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Solvay Bank Dividend Payout Ratio Related Terms

Solvay Bank Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Solvay Bank's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Solvay Bank Annual Data
Trend Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.33 0.36 0.69 0.96 0.78

Solvay Bank Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio 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 0.33 0.36 0.69 0.96 0.78

SOBS vs REDW, BKOR, MCBK: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Solvay Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Solvay Bank's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Solvay Bank's Dividend Payout Ratio falls into.


SOBS
65GF Score
Solvay Bank SOBS
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Solvay Bank Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Solvay Bank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.76/ 2.27
=0.78

Solvay Bank's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=1.76/ 2.27
=0.78

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.78 mean?
Solvay Bank (SOBS) has a Dividend Payout Ratio of 0.78 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Solvay Bank and its competitors. This is 90% above median its historical median of 0.41. Over the past decade, Solvay Bank's Dividend Payout Ratio has ranged from 0.25 to 0.96. According to the industry distribution chart, Solvay Bank ranks #1093 out of 1168 companies in the Banks industry, placing it in the top 93.6%.
Is Solvay Bank's Dividend Payout Ratio too high?
Solvay Bank's current Dividend Payout Ratio of 0.78 is 90% above median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.96. The Banks industry median Dividend Payout Ratio is 0.32. Solvay Bank's value of 0.78 is 143.8% above this industry median. Based on the distribution chart, Solvay Bank ranks #1093 out of 1168 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Dividend Payout Ratio compare to REDW and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #1093 out of 1168 companies for Dividend Payout Ratio. This places Solvay Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Solvay Bank's value of 0.78 is 143.8% above this benchmark. Historically, Solvay Bank's own Dividend Payout Ratio has ranged from 0.25 to 0.96 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current Dividend Payout Ratio of 0.78 is 143.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Solvay Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current Dividend Payout Ratio is 0.78, which is 90% above median its own 10-year median of 0.41. 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 Dividend Payout Ratio is 0.78, which is 90% above median its 10-year median of 0.41 and 143.8% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Solvay Bank (SOBS), the current Dividend Payout Ratio is 0.78 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:

  • Dividend Payout Ratio: 0.78 (90% above median its 10-year median of 0.41)
  • GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
  • GF Score™: 65/100 with 6 warning signs
  • Industry Position: 143.8% above the Banks median (#1093 of 1168)

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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.00
Price
$28.23
GF Value