Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
CNB Financial Services Effective Interest Rate on Debt % Related Terms
CNB Financial Services Effective Interest Rate on Debt % Historical Data
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The historical data trend for CNB Financial Services'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.
CNB Financial Services Effective Interest Rate on Debt % Chart
CBFC vs GWBK, MKIN, GOVB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, CNB Financial Services'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.
CNB Financial Services Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where CNB Financial Services'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 one times the annual (Dec. 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 23.32% mean?
CNB Financial Services (CBFC) has a Effective Interest Rate on Debt % of 23.32% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CNB Financial Services and its competitors.
Is CNB Financial Services' Effective Interest Rate on Debt % too high?
CNB Financial Services' current Effective Interest Rate on Debt % is 23.32%. Overall, CNB Financial Services has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial Services' Effective Interest Rate on Debt % compare to GWBK and MKIN?
CNB Financial Services' Effective Interest Rate on Debt % of 23.32% 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 CNB Financial Services and its competitors. CNB Financial Services's current Effective Interest Rate on Debt % is 23.32%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial Services stock overvalued right now?
CNB Financial Services (CBFC) has a current Effective Interest Rate on Debt % of 23.32%. The stock's GF Value™ is $41.00, compared to a current price of $50.00 — trading 22% above its estimated fair value. The current Effective Interest Rate on Debt % is 23.32%. CNB Financial Services' overall GF Score™ is 65/100 with 7 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 CNB Financial Services (CBFC), the current Effective Interest Rate on Debt % is 23.32% 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 CNB Financial Services (CBFC) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial Services stock appears to be overvalued.
The current stock price of $50.00 is trading 22% above its estimated GF Value™ of $41.00.
Key valuation signals for CBFC:
Effective Interest Rate on Debt %: 23.32%
GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
No single metric tells the full story. See the CBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Financial Services Inc operates as the bank holding company for CNB Bank, Inc, which is a full-service commercial bank conducting general banking and trust activities through various full-service offices and automated teller machines located in Morgan and Berkeley Counties, West Virginia, and Washington County, Maryland, among others. The sources of revenue for the Bank are interest income from loans and investments, and non-interest income. The company has the following portfolios: Construction, land, and Residential properties, Non-farm nonresidential properties, Commercial and industrial loans, Consumer loans, and Leases.
65GF 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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