SOBS (Solvay Bank) Interest Expense: $-21.57 Mil (TTM As of Dec. 2025)


SOBS Solvay Bank SOBS
65 GF Score
Price $34.00
GF Value $28.23
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Solvay Bank Interest Expense?

Solvay Bank SOBS 65 Interest Expense is $-21.57 Mil as of Dec. 2025. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.23 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Solvay Bank's interest expense for the six months ended in Dec. 2025 was $ -21.57 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-21.57 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. Solvay Bank's Operating Income for the six months ended in Dec. 2025 was $ Mil. Solvay Bank'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.

Solvay Bank Interest Expense Historical Data

* Premium members only.

The historical data trend for Solvay Bank'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.

Solvay Bank Interest Expense Chart

Solvay Bank Annual Data
Trend Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.19 -2.87 -12.64 -23.52 -21.57

Solvay Bank Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -3.19 -2.87 -12.64 -23.52 -21.57
SOBS
65GF Score
Solvay Bank SOBS
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Solvay Bank 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 $-21.57 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 $-21.57 Mil mean?
Solvay Bank (SOBS) has a Interest Expense of $-21.57 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Solvay Bank and its competitors.
Is Solvay Bank's Interest Expense too high?
Solvay Bank's current Interest Expense is $-21.57 Mil. Overall, Solvay Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's Interest Expense compare to REDW and BKOR?
Solvay Bank's Interest Expense of $-21.57 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 Solvay Bank and its competitors. Solvay Bank's current Interest Expense is $-21.57 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solvay Bank stock overvalued right now?
Based on GuruFocus' analysis, Solvay Bank (SOBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.23, compared to a current price of $34.00 — trading 20.4% above its estimated fair value. The current Interest Expense is $-21.57 Mil. Solvay Bank's overall GF Score™ is 65/100 with 6 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 Solvay Bank (SOBS), the current Interest Expense is $-21.57 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 Solvay Bank (SOBS) Overvalued in 2026?

Based on GuruFocus' analysis, Solvay Bank stock appears to be overvalued. The current stock price of $34.00 is trading 20.4% above its estimated GF Value™ of $28.23. GuruFocus considers Solvay Bank to be Modestly Overvalued.

Key valuation signals for SOBS:

  • Interest Expense: $-21.57 Mil
  • GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
  • GF Score™: 65/100 with 6 warning signs

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

Solvay Bank Business Description

Address 1537 Milton Avenue, Solvay, NY, USA, 13209
Solvay Bank is a United States based community bank. It offers personal and business banking services. The bank provides business loans, deposit accounts, small business administration, commercial real estate, special lending programs, electronic services, merchant services and other banking services. The objectives of its security portfolio are to provide liquidity for future funding needs, a safe and lower-risk investment alternative for idle funds, and a stable source of core earnings.
65GF Score

Get the complete analysis for SOBS

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

$34.00
Price
$28.23
GF Value