AMFC (AMB Financial) Effective Interest Rate on Debt % : 321.11% (As of Dec. 2024)

View and export this data going back to 1996. Start your Free Trial

What is AMB Financial Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. AMB Financial's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $9.93 Mil. AMB Financial's average total debt for the quarter that ended in Dec. 2024 was $3.09 Mil. Therefore, AMB Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 321.11%.

AMB Financial Effective Interest Rate on Debt % Historical Data

The historical data trend for AMB Financial's Effective Interest Rate on Debt % 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.

* Premium members only.

AMB Financial Effective Interest Rate on Debt % Chart

AMB Financial Annual Data

Trend

Dec05

Dec06

Dec07

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

Get a 7-Day Free Trial

15.11

12.09

33.47

60.58

83.61

AMB Financial Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															56.74	73.47	224.97	335.60	321.11

Competitive Comparison of AMB Financial's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, AMB Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

AMB Financial's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, AMB Financial's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where AMB Financial's Effective Interest Rate on Debt % falls into.

Save Embed

;

Save Embed

;

AMB Financial Effective Interest Rate on Debt % Calculation

AMB Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -9.693	/	( (20.093	+	3.093)	/ 2 )
=	-1 * -9.693	/	11.593
=	83.61 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	20.093	+	0
=	20.093

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3.093	+	0
=	3.093

AMB Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2024 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -9.932	/	( (3.093	+	3.093)	/ 2 )
=	-1 * -9.932	/	3.093
=	321.11 %

where

	Total Debt (Q: Sep. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3.093	+	0
=	3.093

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	3.093	+	0
=	3.093

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

AMB Financial (OTCPK:AMFC) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

AMB Financial Effective Interest Rate on Debt % Related Terms

Thank you for viewing the detailed overview of AMB Financial's Effective Interest Rate on Debt % provided by GuruFocus.com. Please click on the following links to see related term pages.

AMB Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » AMB Financial Corp (OTCPK:AMFC) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

7880 Wicker Avenue, Suite 101, Saint John, IN, USA, 46373

Website

https://www.acbanker.com

AMB Financial Corp is a savings and loan holding company. The company is involved in personal and business banking. It is a community-based financial institution that offers several selected financial services to meet the needs of the community it serves. Its business consists of accepting deposits from customers within its market area and investing those funds in mortgage loans secured by residential and non-residential real estate as well as non-real estate commercial and consumer loans. The Company also invests in mortgage-backed and other investment securities.

AMB Financial Headlines

No Headlines