FSBH (FSBH) Net Interest Income: $14.30 Mil (TTM As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSBH FSBH Corp FSBH
52 GF Score
Price $16.66
GF Value $10.22
Valuation Significantly Overvalued
! 4 Warning Signs
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What is FSBH Net Interest Income?

FSBH FSBH 52 Net Interest Income is $14.30 Mil as of Dec. 2025. GuruFocus rates FSBH with a GF Score™ of 52/100 and a GF Value™ of $10.22 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. FSBH's net interest income for the twelve months ended in Dec. 2025 was $14.30 Mil. Its net interest income for the trailing twelve months (TTM) ended in Dec. 2025 was $14.30 Mil.

FSBH Net Interest Income Related Terms

FSBH Net Interest Income Historical Data

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The historical data trend for FSBH's Net Interest Income 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.

FSBH Net Interest Income Chart

FSBH Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial 8.36 10.05 11.84 12.44 14.30

FSBH Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income Get a 7-Day Free Trial 8.36 10.05 11.84 12.44 14.30
FSBH
52GF Score
FSBH Corp FSBH
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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FSBH Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Net Interest Income for the trailing twelve months (TTM) ended in Dec. 2025 was $14.30 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 Net Interest Income →
What does a Net Interest Income of $14.30 Mil mean?
FSBH (FSBH) has a Net Interest Income of $14.30 Mil as of Dec. 2025.
Is FSBH's Net Interest Income too high?
FSBH's current Net Interest Income is $14.30 Mil. Overall, FSBH has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSBH's Net Interest Income compare to PVBK and TCBS?
FSBH's Net Interest Income of $14.30 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 Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. FSBH's current Net Interest Income is $14.30 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FSBH stock overvalued right now?
Based on GuruFocus' analysis, FSBH (FSBH) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.22, compared to a current price of $16.66 — trading 63% above its estimated fair value. The current Net Interest Income is $14.30 Mil. FSBH's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For FSBH (FSBH), the current Net Interest Income is $14.30 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 FSBH (FSBH) Overvalued in 2026?

Based on GuruFocus' analysis, FSBH stock appears to be overvalued. The current stock price of $16.66 is trading 63% above its estimated GF Value™ of $10.22. GuruFocus considers FSBH to be Significantly Overvalued.

Key valuation signals for FSBH:

  • Net Interest Income: $14.30 Mil
  • GF Value™: $10.22 vs. price of $16.66 (63% above fair value)
  • GF Score™: 52/100 with 4 warning signs

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

FSBH Business Description

Address 1825 Manatee Avenue West, Bradenton, FL, USA, 34205
FSBH Corp, formerly First Southern Bank (GA) operates as a bank. It provides a full range of banking services to individual and corporate customers in the markets and the surrounding counties. Its portfolio segments are: Real estate, which consists of Construction and development, Residential, Commercial, and Farmland; Commercial; and Consumer. It provides services such as E-Banking; Personal Banking; Business Banking; Insurance; Loans and Deposits; Credit cards and others.
52GF Score

Get the complete analysis for FSBH

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

$16.66
Price
$10.22
GF Value