Somerset Trust Holding Company (SOME) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Somerset Trust Holding Company (SOME) trades at $83.00 with AI Score 51/100 (Grade B). Somerset Trust Holding Company is a regional bank holding company operating primarily in Pennsylvania and Maryland. Market cap: $209M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for SOME: SOME does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SOME against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SOME: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Somerset Trust Holding Company (SOME) Financial Services Profile
Somerset Trust Holding Company, founded in 1889, operates as a regional bank providing financial services in Pennsylvania and Maryland. With a market capitalization of $209M and a P/E ratio of 7.36, the company offers traditional banking products and wealth management services through its 44 branches, maintaining a conservative beta of 0.05.
What Is the Investment Thesis for SOME?
Somerset Trust Holding Company presents a stable investment profile within the regional banking sector, supported by a solid dividend yield of 2.36% and a profit margin of 16.4%. The company's low beta of 0.05 suggests a lower sensitivity to market volatility, appealing to risk-averse investors. Growth catalysts include expansion of wealth management services and strategic branch openings in underserved markets. However, potential risks involve increasing competition from larger regional banks and the impact of rising interest rates on loan demand. The company's ability to maintain its net interest margin and adapt to evolving customer preferences will be crucial for sustained profitability.
Based on FMP financials and quantitative analysis
SOME Key Highlights
Market capitalization of $209M indicates a smaller, community-focused banking institution.
- P/E ratio of 7.36 suggests the company may be undervalued compared to its earnings.
- Profit Margin of 16.4% demonstrates efficient operations and profitability.
- Gross Margin of 52.1% reflects the company's ability to manage its cost of services effectively.
- Dividend Yield of 2.36% provides a steady income stream for investors.
Who Are SOME's Competitors?
SOME is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ADKT The Adirondack Trust Company | $650.25 | +0.00% | $52.0M | 61 |
| AMBKP American Capital Trust I PFD TR SECS 6% | $13.00 | +0.00% | $167M | 54 |
| BCHG Grayscale Bitcoin Cash Trust | $1.64 | +9.00% | $52.0M | 45 |
| HMLN Hamlin Bank and Trust Company | $263.00 | +4.49% | $94.0M | 58 |
| LTCN Grayscale Litecoin Trust | $3.40 | +2.72% | $82.5M | 39 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SOME's Key Strengths?
Strong local presence and brand recognition.
- Diversified loan portfolio.
- Experienced management team.
- Solid capital base.
What Are SOME's Weaknesses?
Limited geographic reach.
- Dependence on traditional banking products.
- Smaller scale compared to larger regional banks.
- Potential technology adoption lag.
What Could Drive SOME Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strategic branch openings in underserved markets within Pennsylvania and Maryland.
- Growth in wealth management and investment services.
- Potential acquisitions of smaller community banks to expand market share (timeline: 12-24 months).
- Implementation of new CRM system to improve customer relationship management (timeline: 6-12 months).
What Are the Key Risks for SOME?
Financial-distress signal — its Altman Z-Score of 0.18 sits in the distress zone (elevated bankruptcy risk).
- Increasing competition from larger regional and national banks.
- Rising interest rates and economic downturn impacting loan demand.
- Regulatory changes and compliance costs.
- Cybersecurity threats and data breaches.
- Dependence on traditional banking products and services.
What Are the Growth Opportunities for SOME?
- Expansion of Wealth Management Services: Somerset Trust can capitalize on the growing demand for wealth management services by expanding its offerings and targeting high-net-worth individuals in its existing markets. The wealth management industry is projected to grow at a rate of 7% annually, reaching $40 trillion by 2030. By recruiting experienced financial advisors and leveraging technology, Somerset Trust can increase its fee-based income and enhance customer loyalty.
- Strategic Branch Expansion: Opening new branches in underserved markets within Pennsylvania and Maryland can drive deposit growth and increase market share. A detailed market analysis should identify areas with strong demographics and limited banking options. Each new branch represents an opportunity to acquire new customers and cross-sell various banking products and services. The timeline for opening a new branch is approximately 12-18 months, including site selection, regulatory approvals, and construction.
- Digital Banking Innovation: Investing in digital banking technologies can enhance customer experience and attract younger demographics. This includes mobile banking apps, online account opening, and personalized financial advice. The adoption of digital banking is accelerating, with over 70% of consumers now using mobile banking apps. By offering convenient and user-friendly digital solutions, Somerset Trust can improve customer satisfaction and reduce operating costs.
- Commercial Lending Growth: Expanding its commercial lending portfolio can drive revenue growth and diversify its asset base. This includes targeting small and medium-sized businesses (SMBs) in its existing markets. SMBs are a significant source of economic growth and often require financing for expansion and working capital. By offering competitive loan products and personalized service, Somerset Trust can establish itself as a preferred lender for SMBs.
- Cross-Selling Opportunities: Leveraging its existing customer base to cross-sell additional products and services can increase revenue per customer and improve customer retention. This includes promoting insurance products, investment services, and mortgage loans to existing checking and savings account holders. By implementing targeted marketing campaigns and providing incentives for cross-selling, Somerset Trust can unlock significant revenue potential.
What Are SOME's Competitive Advantages?
- Established brand and reputation in local markets.
- Long-standing customer relationships and community ties.
- Conservative lending practices and risk management.
- Local market expertise and personalized service.
What Does SOME Do?
Somerset Trust Holding Company, established in 1889, serves as the bank holding company for Somerset Trust Company, offering a comprehensive suite of banking products and services. Headquartered in Somerset, Pennsylvania, the company operates 41 branches across Pennsylvania and three in Maryland. Its offerings include a variety of deposit accounts such as checking, savings, business, and individual retirement accounts, alongside certificates of deposit. Furthermore, Somerset Trust provides debit and credit cards to its customer base. The company's lending portfolio encompasses residential and commercial real estate loans, commercial, consumer, agricultural, mortgage, personal, business, and home equity loans. Beyond traditional banking, Somerset Trust extends its services to financial, retirement, and estate planning, complemented by investment products like mutual funds and annuities. Insurance solutions, including life and long-term care coverage, are also available. The company facilitates secure transactions through safe deposit box services and offers modern convenience via online banking and business services. Somerset Trust's long-standing presence in the region underscores its commitment to community banking and personalized financial solutions.
What Products and Services Does SOME Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers residential and commercial real estate loans.
- Provides commercial, consumer, and agricultural loans.
- Offers mortgage, personal, business, and home equity loans.
- Provides financial, retirement, and estate planning services.
- Offers investment products such as mutual funds and annuities.
- Provides life and long-term care insurance.
- Offers online banking and business services.
How Does SOME Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for various banking services, such as account maintenance and transaction processing.
- Earns commissions from the sale of investment and insurance products.
- Manages wealth for individuals and institutions, generating fee-based income.
What Industry Does SOME Operate In?
Somerset Trust Holding Company operates within the competitive regional banking sector. The industry is characterized by increasing consolidation, technological disruption, and evolving regulatory landscapes. Regional banks face competition from larger national institutions and emerging fintech companies. Key trends include the adoption of digital banking solutions, a focus on customer experience, and the need to comply with stringent capital requirements. Somerset Trust's community-focused approach and established presence in Pennsylvania and Maryland provide a competitive advantage, but adapting to technological advancements is crucial for long-term success.
Who Are SOME's Key Customers?
- Individual consumers seeking personal banking services.
- Small and medium-sized businesses requiring commercial banking solutions.
- Agricultural businesses needing financing for operations and expansion.
- High-net-worth individuals seeking wealth management services.
Company Profile
Somerset Trust Holding Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Somerset, US. The company is led by CEO Sean Cook. SOME has traded publicly since 1999.
Key Financial Metrics
Return on equity for Somerset Trust Holding Company stands at 14.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. SOME trades at a trailing price-to-earnings ratio of 7.35, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 13.6%, the inverse of the P/E and a quick read on earnings relative to price.
SOME Valuation & Market Position
With a $209M market cap, Somerset Trust Holding Company sits in the micro-cap segment of the market. Relative to its peer group, SOME's quantitative score of 51/100 is roughly in line with the peer average of 51/100.
Quarterly Financial Performance: Somerset Trust Holding Company
Revenue for Somerset Trust Holding Company came in at $39.2M during Q2 2026, a 3.0% improvement versus the preceding quarter. The company recorded net income of $7.4M, with diluted EPS of $2.95. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, SOME averaged $2.72 in diluted EPS.
Financial Health
Somerset Trust Holding Company's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.18 places it in the distress zone, a signal of elevated financial risk.
SOME Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the company's strong local presence and customer loyalty.
- Analysts have noted improvements in operational efficiency that could enhance profitability moving forward.
- The recent expansion plans have garnered enthusiasm, with many investors viewing it as a strategic move to capture more market share.
Bear Case
- Concerns over regulatory changes in the banking sector have led to increased skepticism about the company's long-term stability.
- Negative community sentiment has emerged, with some investors questioning the sustainability of recent growth trends.
- Market perception has been cautious, as some analysts warn about potential economic headwinds affecting regional banks.
- Insider selling activity has raised red flags, suggesting that some executives may be uncertain about future performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $39M | $7M | $2.95 |
| Q1 2026 | $38M | $7M | $2.68 |
| Q4 2025 | $39M | $6M | $2.51 |
| Q3 2025 | $39M | $7M | $2.75 |
Based on FMP financials and quantitative analysis
SOME Latest News
No recent news available for SOME.
SOME Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SOME.
Price Targets
Wall Street price target analysis for SOME.
SOME MoonshotScore
What does this score mean?
The MoonshotScore rates SOME 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Sean Cook
CEO
Sean Cook serves as the CEO of Somerset Trust Holding Company, leading a team of 450 employees. His background includes extensive experience in the financial services industry, with a focus on community banking and regional market development. Prior to joining Somerset Trust, Cook held leadership positions at several regional banks, where he oversaw strategic planning, risk management, and customer relationship management. He holds an MBA from a reputable business school and is actively involved in community organizations.
Track Record: Under Sean Cook's leadership, Somerset Trust Holding Company has maintained a steady growth trajectory, focusing on organic expansion and customer satisfaction. Key achievements include the successful integration of new technologies to enhance online banking services and the expansion of the company's wealth management division. Cook has also prioritized community engagement, strengthening the bank's reputation as a trusted local institution.
SOME OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Somerset Trust Holding Company may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting or may be undergoing financial distress. Investing in companies on the OTC Other tier carries significantly higher risks compared to those listed on major exchanges like the NYSE or NASDAQ due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Higher potential for fraud and manipulation.
- Lower trading volume and liquidity.
- Greater price volatility.
- Increased risk of delisting or bankruptcy.
- Verify the company's financial statements and SEC filings (if available).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Review the company's legal and regulatory compliance.
- Evaluate the company's risk factors and potential liabilities.
- Check for any red flags or warning signs, such as lawsuits or regulatory investigations.
- Consult with a qualified financial advisor.
- Long operating history (founded in 1889).
- Positive financial performance (profit margin of 16.4%).
- Established presence in Pennsylvania and Maryland.
- Member of the FDIC.
- Operates under a bank holding company structure.
Common Questions About SOME (Financial Services)
What does the AI Score mean for SOME?
SOME holds an AI Score of 51/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Somerset Trust Holding Company is a regional bank holding company operating primarily in Pennsylvania and Maryland. The company provides a range of banking products and services, including loans …
What does Somerset Trust Holding Company do?
Somerset Trust Holding Company operates as the bank holding company for Somerset Trust Company, providing a range of banking products and services to individuals and businesses in Pennsylvania and Maryland. These services include checking and savings accounts, loans (residential, commercial, agricultural, and consumer), and wealth management services.
What do analysts say about SOME stock?
Analyst coverage for Somerset Trust Holding Company (SOME) is limited due to its smaller market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 7.36 and a dividend yield of 2.36%. Growth considerations involve the company's ability to expand its wealth management services, manage its net interest margin, and adapt to evolving customer preferences.
What are the main risks for SOME?
Somerset Trust Holding Company faces several risks, including increasing competition from larger regional and national banks, the potential impact of rising interest rates and economic downturns on loan demand, regulatory changes and compliance costs, and cybersecurity threats. As an OTC-listed company, SOME also faces risks associated with limited financial disclosure and lower liquidity. Effective risk management and adaptation to changing market conditions are crucial for the company's long-term success.
What are the key factors to evaluate for SOME?
Somerset Trust Holding Company (SOME) holds an AI score of 51/100 (moderate). Somerset Trust Holding Company presents a stable investment profile within the regional banking sector, supported by a solid dividend yield of 2.36% and a profit margin of 16.4%. Not financial advice.
How frequently does SOME data refresh on this page?
SOME's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SOME's recent stock price performance?
Somerset Trust Holding Company (SOME) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and brand recognition. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SOME overvalued or undervalued right now?
Somerset Trust Holding Company (SOME) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SOME before investing?
Before investing in Somerset Trust Holding Company (SOME), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for Somerset Trust Holding Company may impact the accuracy of certain financial metrics and growth projections.
- OTC market investments carry higher risks compared to exchange-listed stocks.