National Bank of Bahrain BSC (BAH:NBB) Effective Interest Rate on Debt %: 4,018.60% (As of Mar. 2026)

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BAH:NBB National Bank of Bahrain BSC BAH:NBB
62 GF Score
Price BHD0.52
GF Value BHD0.56
Valuation Fairly Valued
! 4 Warning Signs
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What is National Bank of Bahrain BSC Effective Interest Rate on Debt %?

National Bank of Bahrain BSC BAH:NBB 62 Effective Interest Rate on Debt % is 4,018.60% as of Mar. 2026. GuruFocus rates BAH:NBB with a GF Score™ of 62/100 and a GF Value™ of BHD0.56 (Fairly Valued). The stock has 4 warning signs 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. National Bank of Bahrain BSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was BHD172.8 Mil. National Bank of Bahrain BSC's average total debt for the quarter that ended in Mar. 2026 was BHD4.3 Mil. Therefore, National Bank of Bahrain BSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4,018.60%.


National Bank of Bahrain BSC  (BAH:NBB) Effective Interest Rate on Debt % Explanation

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


National Bank of Bahrain BSC Effective Interest Rate on Debt % Related Terms


National Bank of Bahrain BSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for National Bank of Bahrain BSC'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.

National Bank of Bahrain BSC Effective Interest Rate on Debt % Chart

National Bank of Bahrain BSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,312.00 1,925.42 4,510.71 4,394.67 3,691.11

National Bank of Bahrain BSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,472.34 0.00 0.00 3,869.77 4,018.60

BAH:NBB vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, National Bank of Bahrain BSC'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.


National Bank of Bahrain BSC Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where National Bank of Bahrain BSC's Effective Interest Rate on Debt % falls into.


BAH:NBB
62GF Score
National Bank of Bahrain BSC BAH:NBB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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National Bank of Bahrain BSC Effective Interest Rate on Debt % Calculation

National Bank of Bahrain BSC'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  *  -166.1/( (4.7+4.3)/ 2 )
=-1  *  -166.1/4.5
=3,691.11 %

where

National Bank of Bahrain BSC'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  *  -172.8/( (4.3+0)/ 1 )
=-1  *  -172.8/4.3
=4,018.60 %

where

* 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 4,018.60% mean?
National Bank of Bahrain BSC (BAH:NBB) has a Effective Interest Rate on Debt % of 4,018.60% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on National Bank of Bahrain BSC and its competitors.
Is National Bank of Bahrain BSC's Effective Interest Rate on Debt % too high?
National Bank of Bahrain BSC's current Effective Interest Rate on Debt % is 4,018.60%. Overall, National Bank of Bahrain BSC has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Bahrain BSC's Effective Interest Rate on Debt % compare to PNC and USB?
National Bank of Bahrain BSC's Effective Interest Rate on Debt % of 4,018.60% 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 National Bank of Bahrain BSC and its competitors. National Bank of Bahrain BSC's current Effective Interest Rate on Debt % is 4,018.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Bahrain BSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Bahrain BSC (BAH:NBB) is currently considered Fairly Valued. The stock's GF Value™ is BHD0.56, compared to a current price of BHD0.52 — trading 6.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 4,018.60%. National Bank of Bahrain BSC's overall GF Score™ is 62/100 with 4 warning signs 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 National Bank of Bahrain BSC (BAH:NBB), the current Effective Interest Rate on Debt % is 4,018.60% 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.

Is National Bank of Bahrain BSC (BAH:NBB) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Bahrain BSC stock appears to be undervalued. The current stock price of BHD0.52 is trading 6.6% below its estimated GF Value™ of BHD0.56. GuruFocus considers National Bank of Bahrain BSC to be Fairly Valued.

Key valuation signals for BAH:NBB:

  • Effective Interest Rate on Debt %: 4,018.60%
  • GF Value™: BHD0.56 vs. price of BHD0.52 (6.6% below fair value)
  • GF Score™: 62/100 with 4 warning signs

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


National Bank of Bahrain BSC Business Description

Address Government Avenue, NBB Tower, P.O. Box 106, Manama, BHR
National Bank of Bahrain BSC is a commercial banking service provider in Bahrain. The company's operating segments include Retail Banking, Corporate & Commercial Banking, Overseas Branches and Market & Client Solutions. The consumer banking and business banking related SBUs in Bahrain provide various banking products and services to the Group's customers. The SBUs are differentiated based on their respective customer segments. Retail Banking caters to individuals and non-borrowing SMEs, while Corporate & Commercial Banking caters to governments, corporates, commercial enterprises and borrowing SMEs.
62GF Score

Get the complete analysis for BAH:NBB

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BHD0.52
Price
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GF Value