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Bar Harbor Bankshares (FRA:42K) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Bar Harbor Bankshares Effective Interest Rate on Debt % Related Terms
Bar Harbor Bankshares Effective Interest Rate on Debt % Historical Data
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The historical data trend for Bar Harbor Bankshares'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.
Bar Harbor Bankshares Effective Interest Rate on Debt % Chart
FRA:42K vs RRBI, AROW, AMBZ: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Bar Harbor Bankshares'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.
Bar Harbor Bankshares Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Bar Harbor Bankshares's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Bar Harbor Bankshares'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 26.30% mean?
Bar Harbor Bankshares (FRA:42K) has a Effective Interest Rate on Debt % of 26.30% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bar Harbor Bankshares and its competitors.
Is Bar Harbor Bankshares' Effective Interest Rate on Debt % too high?
Bar Harbor Bankshares' current Effective Interest Rate on Debt % is 26.30%. Overall, Bar Harbor Bankshares has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Bar Harbor Bankshares' Effective Interest Rate on Debt % compare to RRBI and AROW?
Bar Harbor Bankshares' Effective Interest Rate on Debt % of 26.30% 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 Bar Harbor Bankshares and its competitors. Bar Harbor Bankshares's current Effective Interest Rate on Debt % is 26.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bar Harbor Bankshares stock overvalued right now?
Bar Harbor Bankshares (FRA:42K) has a current Effective Interest Rate on Debt % of 26.30%. The stock's GF Value™ is €29.23, compared to a current price of €35.20 — trading 20.4% above its estimated fair value. The current Effective Interest Rate on Debt % is 26.30%. Bar Harbor Bankshares' overall GF Score™ is 60/100 with 6 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 Bar Harbor Bankshares (FRA:42K), the current Effective Interest Rate on Debt % is 26.30% 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 Bar Harbor Bankshares (FRA:42K) Overvalued in 2026?
Based on GuruFocus' analysis, Bar Harbor Bankshares stock appears to be overvalued.
The current stock price of €35.20 is trading 20.4% above its estimated GF Value™ of €29.23.
Key valuation signals for FRA:42K:
Effective Interest Rate on Debt %: 26.30%
GF Value™: €29.23 vs. price of €35.20 (20.4% above fair value)
No single metric tells the full story. See the FRA:42K stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bar Harbor Bankshares Inc is a bank holding company along with its subsidiaries that offers a full range of financial services products, brokerage services through third-party brokerage arrangements, and also trust and investment management services to individuals, businesses, non-profit organizations, and municipalities. Its products and services consist of checking, deposits, cards, mobile banking, online services, loans, merchant services, trust, fiduciary services, investment planning, education funding, and individual retirement planning.
60GF Score
Get the complete analysis for FRA:42K
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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