Arrow Financial (FRA:BQE) Effective Interest Rate on Debt % : 222.73% (As of Mar. 2025)

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What is Arrow Financial Effective Interest Rate on Debt %?

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. Arrow Financial's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was €70.3 Mil. Arrow Financial's average total debt for the quarter that ended in Mar. 2025 was €31.6 Mil. Therefore, Arrow Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 222.73%.

Arrow Financial Effective Interest Rate on Debt % Historical Data

The historical data trend for Arrow Financial'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.

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Arrow Financial Effective Interest Rate on Debt % Chart

Arrow Financial Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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9.30

7.67

15.52

86.27

200.34

Arrow Financial Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															195.02	265.29	254.07	259.79	222.73

Competitive Comparison of Arrow Financial's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Arrow Financial'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.

Arrow Financial's Effective Interest Rate on Debt % Distribution in the Banks Industry

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

* The bar in red indicates where Arrow Financial's Effective Interest Rate on Debt % falls into.

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Arrow Financial Effective Interest Rate on Debt % Calculation

Arrow Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -79.514	/	( (47.286	+	32.093)	/ 2 )
=	-1 * -79.514	/	39.6895
=	200.34 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	47.286	+	0
=	47.286

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	32.093	+	0
=	32.093

Arrow Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -70.332	/	( (32.093	+	31.061)	/ 2 )
=	-1 * -70.332	/	31.577
=	222.73 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	32.093	+	0
=	32.093

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	31.061	+	0
=	31.061

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.

Arrow Financial (FRA:BQE) Effective Interest Rate on Debt % Explanation

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

Arrow Financial Effective Interest Rate on Debt % Related Terms

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Arrow Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Arrow Financial Corp (FRA:BQE) » Definitions » Effective Interest Rate on Debt %

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Traded in Other Exchanges

AROW:USA

Address

250 Glen Street, Glens Falls, NY, USA, 12801

Website

https://www.arrowfinancial.com

Arrow Financial Corp is a holding company. It provides various advisory and administrative services and coordinates the general policies and operations of the banks. It provides financial products, including online and mobile banking, mortgages, commercial loans, investments, and others. The company also provides lending services including commercial and industrial lending to small and mid-sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. The key source of company's revenue is interest income, fees, commission earned through its subsidiaries.

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