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Somerset Trust Holding CoSOME +2.56%49 PB Ratio is 1.01 as of Aug. 16, 2026, which is 17% above its 10-year median of 0.86. GuruFocus rates SOME with a GF Score™ of 49/100 and a GF Value™ of $54.34 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,515 Banks companies, Somerset Trust Holding Co ranks better than 60.07% on this metric.
Somerset Trust Holding Co stock PB Ratio (=1.01) is close to 3-year high of 1.01.
The historical rank and industry rank for Somerset Trust Holding Co's PB Ratio or its related term are showing as below:
SOME'
s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 0.86 Max: 1.17
Current: 1.01
During the past 7 years, Somerset Trust Holding Co's highest PB Ratio was 1.17. The lowest was 0.63. And the median was 0.86.
SOME's PB Ratio is ranked better than 60.07% of 1515
companies
in the Banks industry
Industry Median: 1.12
vs SOME: 1.01
During the past 12 months, Somerset Trust Holding Co's average Book Value Per Share Growth Rate was 27.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 22.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Somerset Trust Holding Co was 22.40% per year. The lowest was -4.40% per year. And the median was 2.75% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Somerset Trust Holding Co PB Ratio Related Terms
Somerset Trust Holding Co PB Ratio Historical Data
* 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, Somerset Trust Holding Co's PB Ratio, along with its competitors' market caps and PB 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.
Somerset Trust Holding Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Somerset Trust Holding Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Somerset Trust Holding Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Somerset Trust Holding Co (SOME) has a PB Ratio of 1.01 as of Aug. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Somerset Trust Holding Co and its competitors. This is 17% above median its historical median of 0.86. Over the past decade, Somerset Trust Holding Co's PB Ratio has ranged from 0.63 to 1.17. According to the industry distribution chart, Somerset Trust Holding Co ranks #605 out of 1515 companies in the Banks industry, placing it in the top 39.9%.
Is Somerset Trust Holding Co's PB Ratio too high?
Somerset Trust Holding Co's current PB Ratio of 1.01 is 17% above median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.17. The Banks industry median PB Ratio is 1.12. Somerset Trust Holding Co's value of 1.01 is 9.8% below this industry median. Based on the distribution chart, Somerset Trust Holding Co ranks #605 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Somerset Trust Holding Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Somerset Trust Holding Co's PB Ratio compare to FXLG and OVBC?
According to the Banks industry distribution chart, Somerset Trust Holding Co ranks #605 out of 1515 companies for PB Ratio. This puts Somerset Trust Holding Co in the upper half of its industry. The industry median PB Ratio is 1.12. Somerset Trust Holding Co's value of 1.01 is 9.8% below this benchmark. Historically, Somerset Trust Holding Co's own PB Ratio has ranged from 0.63 to 1.17 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 1.12, Somerset Trust Holding Co 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Somerset Trust Holding Co's current PB Ratio of 1.01 is 9.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Somerset Trust Holding Co and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Somerset Trust Holding Co's current PB Ratio is 1.01, which is 17% above median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Somerset Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Somerset Trust Holding Co (SOME) is currently considered Significantly Overvalued. The stock's GF Value™ is $54.34, compared to a current price of $80.00 — trading 47.2% above its estimated fair value. The current PB Ratio is 1.01, which is 17% above median its 10-year median of 0.86 and 9.8% below the Banks industry median of 1.12. Somerset Trust Holding Co's overall GF Score™ is 49/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Somerset Trust Holding Co (SOME), the current PB Ratio is 1.01 as of Aug. 16, 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 Somerset Trust Holding Co (SOME) Overvalued in 2026?
Based on GuruFocus' analysis, Somerset Trust Holding Co stock appears to be overvalued.
The current stock price of $80.00 is trading 47.2% above its estimated GF Value™ of $54.34.
GuruFocus considers Somerset Trust Holding Co to be Significantly Overvalued.
Key valuation signals for SOME:
PB Ratio: 1.01 (17% above median its 10-year median of 0.86)
GF Value™: $54.34 vs. price of $80.00 (47.2% above fair value)
Industry Position: 9.8% below the Banks median (#605 of 1515)
No single metric tells the full story. See the SOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Somerset Trust Holding Co, along with its subsidiaries, operates as an independent community bank that offers a variety of consumer and commercial lending and deposit products, together with trust and investment management services, an extensive ATM network, and online and mobile banking for consumers and businesses. The Group's revenues are derived from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans. Additional sources consist of an investment portfolio, trust services, and investment management services, etc.
49GF Score
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