AVBC (Avidia Bancorp) Effective Interest Rate on Debt %: 14.78% (As of Mar. 2026)


AVBC Avidia Bancorp Inc AVBC
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What is Avidia Bancorp Effective Interest Rate on Debt %?

Avidia Bancorp AVBC -1.95% 10 Effective Interest Rate on Debt % is 14.78% as of Mar. 2026. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review.

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. Avidia Bancorp's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $38.5 Mil. Avidia Bancorp's average total debt for the quarter that ended in Mar. 2026 was $260.3 Mil. Therefore, Avidia Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 14.78%.

Avidia Bancorp  (NYSE:AVBC) Effective Interest Rate on Debt % Explanation

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

Avidia Bancorp Effective Interest Rate on Debt % Related Terms

Avidia Bancorp Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Avidia Bancorp'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.

Avidia Bancorp Effective Interest Rate on Debt % Chart

Avidia Bancorp Annual Data
Trend Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
9.29 12.92 13.75

Avidia Bancorp Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.43 14.04 14.53 14.61 14.78

AVBC vs RVRF, MVBF, USCB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Avidia Bancorp'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.

Avidia Bancorp Effective Interest Rate on Debt % vs Banks Industry

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

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


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Avidia Bancorp Effective Interest Rate on Debt % Calculation

Avidia Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -44.041/( (352.679+287.815)/ 2 )
=-1  *  -44.041/320.247
=13.75 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=187.679 + 165
=352.679

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.815 + 240
=287.815

Avidia Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -38.468/( (287.815+232.852)/ 2 )
=-1  *  -38.468/260.3335
=14.78 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=47.815 + 240
=287.815

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=27.852 + 205
=232.852

* 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.

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 (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 14.78% mean?
Avidia Bancorp (AVBC) has a Effective Interest Rate on Debt % of 14.78% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Avidia Bancorp and its competitors.
Is Avidia Bancorp's Effective Interest Rate on Debt % too high?
Avidia Bancorp's current Effective Interest Rate on Debt % is 14.78%. Overall, Avidia Bancorp has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Avidia Bancorp's Effective Interest Rate on Debt % compare to RVRF and MVBF?
Avidia Bancorp's Effective Interest Rate on Debt % of 14.78% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Avidia Bancorp and its competitors. Avidia Bancorp's current Effective Interest Rate on Debt % is 14.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avidia Bancorp stock overvalued right now?
Avidia Bancorp (AVBC) has a current Effective Interest Rate on Debt % of 14.78%. The current Effective Interest Rate on Debt % is 14.78%. Avidia Bancorp's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Effective Interest Rate on Debt % is 14.78% as of Mar. 2026. 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.

Avidia Bancorp Business Description

Address 42 Main Street, Hudson, MA, USA, 01749
Avidia Bancorp Inc business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans.
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