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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. IBW Financial's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $9.29 Mil. IBW Financial's average total debt for the quarter that ended in Dec. 2025 was $50.00 Mil. Therefore, IBW Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 18.58%.
IBW Financial (OTCPK:IBWC) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
IBW Financial Effective Interest Rate on Debt % Related Terms
IBW Financial Effective Interest Rate on Debt % Historical Data
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The historical data trend for IBW 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.
IBW Financial Effective Interest Rate on Debt % Chart
IBWC vs PNBI, KFFB, CYSM: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, IBW 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.
IBW Financial Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where IBW Financial'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 18.58% mean?
IBW Financial (IBWC) has a Effective Interest Rate on Debt % of 18.58% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on IBW Financial and its competitors.
Is IBW Financial's Effective Interest Rate on Debt % too high?
IBW Financial's current Effective Interest Rate on Debt % is 18.58%. Overall, IBW Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's Effective Interest Rate on Debt % compare to PNBI and KFFB?
IBW Financial's Effective Interest Rate on Debt % of 18.58% 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 IBW Financial and its competitors. IBW Financial's current Effective Interest Rate on Debt % is 18.58%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.32, compared to a current price of $80.00 — trading 172.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 18.58%. IBW Financial's overall GF Score™ is 41/100 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 IBW Financial (IBWC), the current Effective Interest Rate on Debt % is 18.58% 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $80.00 is trading 172.9% above its estimated GF Value™ of $29.32.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
Effective Interest Rate on Debt %: 18.58%
GF Value™: $29.32 vs. price of $80.00 (172.9% above fair value)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
41GF Score
Get the complete analysis for IBWC
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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