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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. KS Bancorp's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was $18.35 Mil. KS Bancorp's average total debt for the quarter that ended in Jun. 2026 was $17.75 Mil. Therefore, KS Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 103.38%.
KS Bancorp (OTCPK:KSBI) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
KS Bancorp Effective Interest Rate on Debt % Related Terms
KS Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for KS 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.
KS Bancorp Effective Interest Rate on Debt % Chart
KSBI vs CIWV, CZBC, ORPB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, KS 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.
KS Bancorp Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, KS Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where KS 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 (Jun. 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 103.38% mean?
KS Bancorp (KSBI) has a Effective Interest Rate on Debt % of 103.38% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on KS Bancorp and its competitors.
Is KS Bancorp's Effective Interest Rate on Debt % too high?
KS Bancorp's current Effective Interest Rate on Debt % is 103.38%. Overall, KS Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KS Bancorp's Effective Interest Rate on Debt % compare to CIWV and CZBC?
KS Bancorp's Effective Interest Rate on Debt % of 103.38% 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 KS Bancorp and its competitors. KS Bancorp's current Effective Interest Rate on Debt % is 103.38%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KS Bancorp stock overvalued right now?
Based on GuruFocus' analysis, KS Bancorp (KSBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $72.49, compared to a current price of $81.00 — trading 11.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 103.38%. KS Bancorp's overall GF Score™ is 63/100 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 KS Bancorp (KSBI), the current Effective Interest Rate on Debt % is 103.38% as of Jun. 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 KS Bancorp (KSBI) Overvalued in 2026?
Based on GuruFocus' analysis, KS Bancorp stock appears to be overvalued.
The current stock price of $81.00 is trading 11.7% above its estimated GF Value™ of $72.49.
GuruFocus considers KS Bancorp to be Modestly Overvalued.
Key valuation signals for KSBI:
Effective Interest Rate on Debt %: 103.38%
GF Value™: $72.49 vs. price of $81.00 (11.7% above fair value)
No single metric tells the full story. See the KSBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
KS Bancorp Inc is a community bank. The Bank's operations are retail-oriented and directed toward individuals and small to medium-sized businesses located in the company's banking market. The Bank provides traditional banking services, which include taking of demand deposits and making of consumer and commercial loans. The Bank's primary source of revenue is the interest income derived from its lending activities.
63GF 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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