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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. EWSB Bancorp's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $6.02 Mil. EWSB Bancorp's average total debt for the quarter that ended in Mar. 2026 was $33.81 Mil. Therefore, EWSB Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 17.79%.
EWSB Bancorp (OTCPK:EWSB) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
EWSB Bancorp Effective Interest Rate on Debt % Related Terms
EWSB Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for EWSB 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.
EWSB Bancorp Effective Interest Rate on Debt % Chart
EWSB vs CARV, MFBI, FSGB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, EWSB 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.
EWSB Bancorp Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, EWSB Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where EWSB Bancorp'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. 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 17.79% mean?
EWSB Bancorp (EWSB) has a Effective Interest Rate on Debt % of 17.79% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on EWSB Bancorp and its competitors.
Is EWSB Bancorp's Effective Interest Rate on Debt % too high?
EWSB Bancorp's current Effective Interest Rate on Debt % is 17.79%. Overall, EWSB Bancorp has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does EWSB Bancorp's Effective Interest Rate on Debt % compare to CARV and MFBI?
EWSB Bancorp's Effective Interest Rate on Debt % of 17.79% 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 EWSB Bancorp and its competitors. EWSB Bancorp's current Effective Interest Rate on Debt % is 17.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EWSB Bancorp stock overvalued right now?
EWSB Bancorp (EWSB) has a current Effective Interest Rate on Debt % of 17.79%. The current Effective Interest Rate on Debt % is 17.79%. EWSB Bancorp's overall GF Score™ is 6/100 with 3 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 EWSB Bancorp (EWSB), the current Effective Interest Rate on Debt % is 17.79% 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.
EWSB Bancorp Inc is a stock savings bank in the United States. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, as well as marine and recreational vehicle loans, home equity loans and lines of credit, and other consumer loans. The group provides Personal Banking, Business Banking, Mortgages & Personal Loans, Investment & Insurance Services, and Digital Tools.
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