SOBS (Solvay Bank) Net Interest Income: $25.28 Mil (TTM As of Dec. 2025)

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SOBS Solvay Bank SOBS
65 GF Score
Price $33.85
GF Value $28.12
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Solvay Bank Net Interest Income?

Solvay Bank SOBS 65 Net Interest Income is $25.28 Mil as of Dec. 2025. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.12 (Modestly Overvalued). The stock has 5 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. Solvay Bank's net interest income for the twelve months ended in Dec. 2025 was $25.28 Mil. Its net interest income for the trailing twelve months (TTM) ended in Dec. 2025 was $25.28 Mil.

Solvay Bank Net Interest Income Related Terms

Solvay Bank Net Interest Income Historical Data

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The historical data trend for Solvay Bank'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.

Solvay Bank Net Interest Income Chart

Solvay Bank Annual Data
Trend Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.54 29.15 24.62 21.62 25.28

Solvay Bank Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income 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 27.54 29.15 24.62 21.62 25.28
SOBS
65GF Score
Solvay Bank SOBS
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Solvay Bank 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 $25.28 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 $25.28 Mil mean?
Solvay Bank (SOBS) has a Net Interest Income of $25.28 Mil as of Dec. 2025.
Is Solvay Bank's Net Interest Income too high?
Solvay Bank's current Net Interest Income is $25.28 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 Net Interest Income compare to KLIB and IBTN?
Solvay Bank's Net Interest Income of $25.28 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. Solvay Bank's current Net Interest Income is $25.28 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 $28.12, compared to a current price of $33.85 — trading 20.4% above its estimated fair value. The current Net Interest Income is $25.28 Mil. Solvay Bank's overall GF Score™ is 65/100 with 5 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 Solvay Bank (SOBS), the current Net Interest Income is $25.28 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 $33.85 is trading 20.4% above its estimated GF Value™ of $28.12. GuruFocus considers Solvay Bank to be Modestly Overvalued.

Key valuation signals for SOBS:

  • Net Interest Income: $25.28 Mil
  • GF Value™: $28.12 vs. price of $33.85 (20.4% above fair value)
  • GF Score™: 65/100 with 5 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

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

$33.85
Price
$28.12
GF Value