Solvay BankSOBS 65 5-Year RORE % is -26.22 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. Among 1,412 Banks companies, Solvay Bank ranks worse than 91.57% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Solvay Bank's 5-Year RORE % for the quarter that ended in Dec. 2025 was -26.22%.
The industry rank for Solvay Bank's 5-Year RORE % or its related term are showing as below:
SOBS's 5-Year RORE % is ranked worse than 91.57% of 1412
companies
in the Banks industry
Industry Median: 9.65
vs SOBS: -26.22
Solvay Bank (OTCPK:SOBS) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Solvay Bank 5-Year RORE % Related Terms
Solvay Bank 5-Year RORE % Historical Data
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The historical data trend for Solvay Bank's 5-Year RORE % 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 REDW, BKOR, MCBK: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Solvay Bank's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Solvay Bank's 5-Year RORE % falls into.
* 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.
In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
Solvay Bank (SOBS) has a 5-Year RORE % of -26.22 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Solvay Bank and its competitors. According to the industry distribution chart, Solvay Bank ranks #1293 out of 1412 companies in the Banks industry, placing it in the top 91.6%.
Is Solvay Bank's 5-Year RORE % too high?
Solvay Bank's current 5-Year RORE % is -26.22. Based on the distribution chart, Solvay Bank ranks #1293 out of 1412 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 5-Year RORE % compare to REDW and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #1293 out of 1412 companies for 5-Year RORE %. This places Solvay Bank in the lower half of its industry. The industry median 5-Year RORE % is 9.65. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.65, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Solvay Bank and its competitors. For the Banks industry, the median 5-Year RORE % is 9.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current 5-Year RORE % is -26.22. 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 5-Year RORE % is -26.22. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Solvay Bank (SOBS), the current 5-Year RORE % is -26.22 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:
5-Year RORE %: -26.22
GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
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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