SOBS (Solvay Bank) ROE % Adjusted to Book Value: 8.21% (As of Dec. 2025)


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 ROE % Adjusted to Book Value?

Solvay Bank SOBS 65 ROE % Adjusted to Book Value is 8.21% as of Dec. 2025. 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.

Solvay Bank's ROE % for the quarter that ended in Dec. 2025 was 6.65%. Solvay Bank's PB Ratio for the quarter that ended in Dec. 2025 was 0.81. Solvay Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 8.21%.

Solvay Bank ROE % Adjusted to Book Value Related Terms

Solvay Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Solvay Bank's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Solvay Bank Annual Data
Trend Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.21 10.50 8.22 6.96 8.21

Solvay Bank Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value 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 11.21 10.50 8.22 6.96 8.21

SOBS vs REDW, BKOR, MCBK: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Solvay Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Solvay Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Solvay Bank's ROE % Adjusted to Book Value falls into.


SOBS
65GF Score
Solvay Bank SOBS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Solvay Bank ROE % Adjusted to Book Value Calculation

Solvay Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.65% / 0.81
=8.21%

Solvay Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.65% / 0.81
=8.21%

* 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.

What does a ROE % Adjusted to Book Value of 8.21% mean?
Solvay Bank (SOBS) has a ROE % Adjusted to Book Value of 8.21% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Solvay Bank and its competitors.
Is Solvay Bank's ROE % Adjusted to Book Value too high?
Solvay Bank's current ROE % Adjusted to Book Value is 8.21%. 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 ROE % Adjusted to Book Value compare to REDW and BKOR?
Solvay Bank's ROE % Adjusted to Book Value of 8.21% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Solvay Bank and its competitors. Solvay Bank's current ROE % Adjusted to Book Value is 8.21%. 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 ROE % Adjusted to Book Value is 8.21%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Solvay Bank (SOBS), the current ROE % Adjusted to Book Value is 8.21% 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:

  • ROE % Adjusted to Book Value: 8.21%
  • GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
  • GF Score™: 65/100 with 6 warning signs

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

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.00
Price
$28.23
GF Value