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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. Bancorp 34's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was $22.30 Mil. Bancorp 34's average total debt for the quarter that ended in Mar. 2025 was $29.85 Mil. Therefore, Bancorp 34's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 74.72%.
Bancorp 34 (OTCPK:BCTF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Bancorp 34 Effective Interest Rate on Debt % Related Terms
Bancorp 34 Effective Interest Rate on Debt % Historical Data
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The historical data trend for Bancorp 34'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.
Bancorp 34 Effective Interest Rate on Debt % Chart
BCTF vs FCOB, CCNB, NWPP: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Bancorp 34'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.
Bancorp 34 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp 34's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Bancorp 34's Effective Interest Rate on Debt % falls into.
* 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. 2025) 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 74.72% mean?
Bancorp 34 (BCTF) has a Effective Interest Rate on Debt % of 74.72% as of Mar. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bancorp 34 and its competitors.
Is Bancorp 34's Effective Interest Rate on Debt % too high?
Bancorp 34's current Effective Interest Rate on Debt % is 74.72%. Overall, Bancorp 34 has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Bancorp 34's Effective Interest Rate on Debt % compare to FCOB and CCNB?
Bancorp 34's Effective Interest Rate on Debt % of 74.72% 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 Bancorp 34 and its competitors. Bancorp 34's current Effective Interest Rate on Debt % is 74.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancorp 34 stock overvalued right now?
Bancorp 34 (BCTF) has a current Effective Interest Rate on Debt % of 74.72%. The current Effective Interest Rate on Debt % is 74.72%. Bancorp 34's overall GF Score™ is 62/100. 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 Bancorp 34 (BCTF), the current Effective Interest Rate on Debt % is 74.72% as of Mar. 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.
Bancorp 34 Inc provides a variety of banking services to individuals and businesses through its branches. Its products and services are demand deposits, certificates of deposits, savings and money market accounts, commercial loans, real estate mortgage loans and credit and merchant cards and e-banking. The bank operates banking centers in Alamogordo, Las Cruces, New Mexico, Scottsdale, Arizona, and Peoria.
62GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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