JFWV (JSB Financial) Interest Expense: $-10.41 Mil (TTM As of Dec. 2025)


JFWV JSB Financial Inc JFWV
54 GF Score
Price $122.00
GF Value $113.67
Valuation Fairly Valued
! 3 Warning Signs
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What is JSB Financial Interest Expense?

JSB Financial JFWV 54 Interest Expense is $-10.41 Mil as of Dec. 2025. GuruFocus rates JFWV with a GF Score™ of 54/100 and a GF Value™ of $113.67 (Fairly Valued). The stock has 3 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. JSB Financial's interest expense for the six months ended in Dec. 2025 was $ -10.41 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-10.41 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. JSB Financial's Operating Income for the six months ended in Dec. 2025 was $ Mil. JSB Financial's Interest Expense for the six months ended in Dec. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

JSB Financial Interest Expense Historical Data

* Premium members only.

The historical data trend for JSB Financial's Interest Expense 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.

JSB Financial Interest Expense Chart

JSB Financial Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only -1.56 -2.26 -6.67 -10.98 -10.41

JSB Financial Semi-Annual Data
Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial Premium Member Only -1.56 -2.26 -6.67 -10.98 -10.41
JFWV
54GF Score
JSB Financial Inc JFWV
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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JSB Financial Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-10.41 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-10.41 Mil mean?
JSB Financial (JFWV) has a Interest Expense of $-10.41 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on JSB Financial and its competitors.
Is JSB Financial's Interest Expense too high?
JSB Financial's current Interest Expense is $-10.41 Mil. Overall, JSB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Interest Expense compare to RBNK and WOBK?
JSB Financial's Interest Expense of $-10.41 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on JSB Financial and its competitors. JSB Financial's current Interest Expense is $-10.41 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Fairly Valued. The stock's GF Value™ is $113.67, compared to a current price of $122.00 — trading 7.3% above its estimated fair value. The current Interest Expense is $-10.41 Mil. JSB Financial's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For JSB Financial (JFWV), the current Interest Expense is $-10.41 Mil 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 JSB Financial (JFWV) Overvalued in 2026?

Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued. The current stock price of $122.00 is trading 7.3% above its estimated GF Value™ of $113.67. GuruFocus considers JSB Financial to be Fairly Valued.

Key valuation signals for JFWV:

  • Interest Expense: $-10.41 Mil
  • GF Value™: $113.67 vs. price of $122.00 (7.3% above fair value)
  • GF Score™: 54/100 with 3 warning signs

No single metric tells the full story. See the JFWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

JSB Financial Business Description

Address 105 East Washington Street, P.O. Box 35, Shepherdstown, WV, USA, 25443
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
54GF Score

Get the complete analysis for JFWV

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$122.00
Price
$113.67
GF Value