WinstonWınston
Stock

Solvay Bank

SOBS
30
Banks - Regional · Financial Services
Price
$36.10
+0.00 (+0.00%)
Market Cap
$91.5M
Exchange
Other OTC
Winston Score
30
Winston is serious
Below-average fundamentals — multiple weak pillars.
Based on the IPO prospectus (annual filing). This score will refine automatically once the company reports its first quarters.
Data as of Sep 20, 2026 · filings through Sep 30, 2010

§How the score breaks down

Growth
Mixed
Valuation
Mixed

§Winston Score History

The full picture

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.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

YoY Growth Rate

Revenue data limited

EPS Growth

YoY Growth Rate

EPS data limited

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$548M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 2.5M (2021) → 2.5M (2025)

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+0.2%
Nearly flat sales (+0.2% YoY)
Profit growth
EPS YoY
+26.8%
Earnings growing fast (+26.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
N/A
Data not available

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
22.3x
Growth-priced — P/E 22.3

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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