Somerset Trust Holding (SOME) Stock Overview

Operates as the bank holding company for Somerset Trust Company that provides banking products and services in Pennsylvania. More details

SOME fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 53.3% below our estimate of its fair value

Earnings have grown 11.7% per year over the past 5 years

Pays a reliable dividend of 2.06%

Risk Analysis

No risks detected for SOME from our risk checks.

SOME Community Fair Values

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Somerset Trust Holding Company Competitors

Price History & Performance

Summary of share price highs, lows and changes for Somerset Trust Holding
Historical stock prices
Current Share Price	US$85.50
52 Week High	US$87.50
52 Week Low	US$57.61
Beta	0.080
1 Month Change	3.01%
3 Month Change	10.32%
1 Year Change	44.92%
3 Year Change	108.54%
5 Year Change	103.33%
Change since IPO	410.45%

Recent updates

Shareholder Returns

	SOME	US Banks	US Market
7D	0.6%	-2.0%	-0.1%
1Y	44.9%	11.8%	11.9%

Return vs Industry: SOME exceeded the US Banks industry which returned 11.8% over the past year.

Return vs Market: SOME exceeded the US Market which returned 11.9% over the past year.

Price Volatility

Is SOME's price volatile compared to industry and market?
SOME volatility
SOME Average Weekly Movement	5.1%
Banks Industry Average Movement	3.0%
Market Average Movement	6.8%
10% most volatile stocks in US Market	15.1%
10% least volatile stocks in US Market	2.9%

Stable Share Price: SOME has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: SOME's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1889	n/a	Sean Cook	www.somersettrust.com

Somerset Trust Holding Company operates as the bank holding company for Somerset Trust Company that provides banking products and services in Pennsylvania. The company offers checking, savings, business, and individual retirement accounts, as well as certificates of deposit; debit and credit cards; and residential and commercial real estate, commercial, consumer, agricultural, mortgage, personal, secured and unsecured, business, and home equity loans. It also provides financial, retirement, and estate planning services; investment products, such as mutual funds and tax deferred annuities; life and long-term care insurance products; trust and investment management services; and online banking and business services.

Somerset Trust Holding Company Fundamentals Summary

How do Somerset Trust Holding's earnings and revenue compare to its market cap?
SOME fundamental statistics
Market cap	US$215.66m
Earnings (TTM)	US$27.45m
Revenue (TTM)	US$109.51m

7.9x

P/E Ratio

1.1x

P/B Ratio

Is SOME overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SOME income statement (TTM)
Revenue	US$109.51m
Cost of Revenue	US$0
Gross Profit	US$109.51m
Other Expenses	US$82.06m
Earnings	US$27.45m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	10.88
Gross Margin	100.00%
Net Profit Margin	25.07%
Debt/Equity Ratio	122.1%

How did SOME perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

16%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/09/21 07:53
End of Day Share Price	2026/09/18 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Somerset Trust Holding Company is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Somerset Trust Holding CompanyOTCPK:SOME Stock Report