Subscribe

Solvay Bank Corp. (SOBS)

USD32.54 +0.53 (+1.66%)
US OTC Financial Services Banks - Regional
Address 1537 Milton Avenue 13209
Solvay, NY, US
CEO Paul Mello
IPO 1999-12-09
ISIN US83441Q1058

Explore sections of this company profile

Description

Solvay Bank Corp. serves as the holding company for Solvay Bank, a financial institution that delivers a comprehensive suite of banking products and services across New York State. Clients can access a variety of deposit accounts, including checking, NOW, and savings options, as well as certificates of deposit, individual retirement accounts (IRAs), health savings accounts (HSAs), and money market accounts. Its extensive lending portfolio caters to both individual and business needs. For personal finance, options include mortgages, home equity, improvement, auto, recreational vehicle, and general personal loans, alongside checking lines of credit. Businesses can secure financing through commercial real estate, working capital, term loans, and lines of credit, as well as specialized Small Business Administration (SBA) loans and New York State lending programs. Credit card solutions are available for both personal and business use. Beyond core banking, the company provides wealth management through trust and investment services, and a broad spectrum of insurance products. These encompass personal coverage for auto, home, life, and long-term care, as well as commercial policies like property, umbrella, liability, inland marine, and workers' compensation. Furthermore, customers benefit from modern digital conveniences such as online and mobile banking, mobile payment solutions, positive pay, merchant card services, and remote deposit capture. Originally established in 1917, Solvay Bank Corp. is headquartered in Solvay, New York.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD32.54 +0.53 (+1.66%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
372
Beta
0.35
Float Shares
2.52M
Free Float %
99.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.69% +1.69% -1.61% +8.18% +10.57% +10.57% +14.04% +12.03% -13.25% +12.57% +513.17%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
32.54
DCF (Unlevered) 16.00 -50.8%
DCF (Levered) 17.20 -47.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Piotroski F-Score
3 / 9
Average
Operational MOAT
  • Revenue growth
    +0.2% Q3'10: -10.9% (vs Q4'07)
  • EPS growth
    +26.8% Q3'10: +16.0% (vs Q4'07)
  • FCF margin
    Q3'10: +77.2% (vs Q4'07)
  • EBIT margin
    Q3'10: +28.5% (vs Q4'07)
  • ROIC
    Q3'10: +15.0% (vs Q4'07)
  • Share dilution
    +0.0% Q3'10: -0.9% (vs Q4'07)
  • Debt / EBITDA
    Q3'10: 0.00× (vs Q4'07)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.35) × ERP
WACC = 84% × Ke + 16% × Kd (139.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 16.00 Current price: 32.54
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
12.96M
OE per share TTM
4.90
Owner's Yield
15.46%
Maintenance CapEx ratio
8.61%
Maint CapEx / Avg PPE
17.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
43.8K
Shares Outstanding
2.54M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
John Carpenter Senior Vice President & Chief Credit Officer male
Kevin Andrew Dattellas Senior Vice President & Chief Financial Officer male
Michele L. Fernandez Vice President of Enterprise Risk Management and Shareholder Relations female
Paul Mello President, Chief Executive Officer & Director male
Sara Preville Vice President & Chief HR Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings reports

Stock splits