PONT (Pontiac Bancorp) Interest Expense: $-18.77 Mil (TTM As of Dec. 2025)


PONT Pontiac Bancorp Inc PONT
60 GF Score
Price $639.31
GF Value $638.30
Valuation Fairly Valued
! 1 Warning Sign
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What is Pontiac Bancorp Interest Expense?

Pontiac Bancorp PONT -2.36% 60 Interest Expense is $-18.77 Mil as of Dec. 2025. GuruFocus rates PONT with a GF Score™ of 60/100 and a GF Value™ of $638.30 (Fairly Valued). The stock has 1 warning sign investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Pontiac Bancorp's interest expense for the six months ended in Dec. 2025 was $ -18.77 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-18.77 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. Pontiac Bancorp's Operating Income for the six months ended in Dec. 2025 was $ Mil. Pontiac Bancorp'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.

Pontiac Bancorp Interest Expense Historical Data

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The historical data trend for Pontiac Bancorp'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.

Pontiac Bancorp Interest Expense Chart

Pontiac Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial -2.72 -2.58 -10.03 -18.30 -18.77

Pontiac Bancorp Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial -2.72 -2.58 -10.03 -18.30 -18.77
PONT
60GF Score
Pontiac Bancorp Inc PONT
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Pontiac Bancorp 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 $-18.77 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 $-18.77 Mil mean?
Pontiac Bancorp (PONT) has a Interest Expense of $-18.77 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Pontiac Bancorp and its competitors.
Is Pontiac Bancorp's Interest Expense too high?
Pontiac Bancorp's current Interest Expense is $-18.77 Mil. Overall, Pontiac Bancorp has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's Interest Expense compare to TYFG and ARBV?
Pontiac Bancorp's Interest Expense of $-18.77 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 Pontiac Bancorp and its competitors. Pontiac Bancorp's current Interest Expense is $-18.77 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $638.30, compared to a current price of $639.31 — trading 0.2% above its estimated fair value. The current Interest Expense is $-18.77 Mil. Pontiac Bancorp's overall GF Score™ is 60/100 with 1 warning sign 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 Pontiac Bancorp (PONT), the current Interest Expense is $-18.77 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 Pontiac Bancorp (PONT) Overvalued in 2026?

Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued. The current stock price of $639.31 is trading 0.2% above its estimated GF Value™ of $638.30. GuruFocus considers Pontiac Bancorp to be Fairly Valued.

Key valuation signals for PONT:

  • Interest Expense: $-18.77 Mil
  • GF Value™: $638.30 vs. price of $639.31 (0.2% above fair value)
  • GF Score™: 60/100 with 1 warning sign

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

Pontiac Bancorp Business Description

Address 300 W. Washington Street, Pontiac, IL, USA, 61764
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
60GF Score

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

$639.31
Price
$638.30
GF Value