MFBI (Monroe Federal Bancorp) Effective Interest Rate on Debt %: 35.67% (As of Mar. 2026)


MFBI Monroe Federal Bancorp Inc MFBI
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What is Monroe Federal Bancorp Effective Interest Rate on Debt %?

Monroe Federal Bancorp MFBI +0.85% 8 Effective Interest Rate on Debt % is 35.67% as of Mar. 2026. GuruFocus rates MFBI with a GF Score™ of 8/100. The stock has 1 warning sign investors should review.

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. Monroe Federal Bancorp's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $2.35 Mil. Monroe Federal Bancorp's average total debt for the quarter that ended in Mar. 2026 was $6.58 Mil. Therefore, Monroe Federal Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 35.67%.

Monroe Federal Bancorp  (OTCPK:MFBI) Effective Interest Rate on Debt % Explanation

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

Monroe Federal Bancorp Effective Interest Rate on Debt % Related Terms

Monroe Federal Bancorp Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Monroe Federal 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.

Monroe Federal Bancorp Effective Interest Rate on Debt % Chart

Monroe Federal Bancorp Annual Data
Trend Mar25 Mar26
Effective Interest Rate on Debt %
20.63 33.97

Monroe Federal Bancorp Quarterly Data
Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial 21.34 19.86 13.51 15.01 35.67

MFBI vs LWCL, EWSB, CARV: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Monroe Federal 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.

Monroe Federal Bancorp Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Monroe Federal Bancorp's Effective Interest Rate on Debt % falls into.


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Monroe Federal Bancorp Inc MFBI
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Monroe Federal Bancorp Effective Interest Rate on Debt % Calculation

Monroe Federal Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Mar. 2025 )+Total Debt  (A: Mar. 2026 ))/ count )
=-1  *  -2.345/( (9.972+3.834)/ 2 )
=-1  *  -2.345/6.903
=33.97 %

where

Total Debt  (A: Mar. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 9.972
=9.972

Total Debt  (A: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 3.834
=3.834

Monroe Federal Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -2.348/( (9.33+3.834)/ 2 )
=-1  *  -2.348/6.582
=35.67 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4.665 + 4.665
=9.33

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 3.834
=3.834

* 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 35.67% mean?
Monroe Federal Bancorp (MFBI) has a Effective Interest Rate on Debt % of 35.67% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Monroe Federal Bancorp and its competitors.
Is Monroe Federal Bancorp's Effective Interest Rate on Debt % too high?
Monroe Federal Bancorp's current Effective Interest Rate on Debt % is 35.67%. Overall, Monroe Federal Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Monroe Federal Bancorp's Effective Interest Rate on Debt % compare to LWCL and EWSB?
Monroe Federal Bancorp's Effective Interest Rate on Debt % of 35.67% 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 Monroe Federal Bancorp and its competitors. Monroe Federal Bancorp's current Effective Interest Rate on Debt % is 35.67%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Monroe Federal Bancorp stock overvalued right now?
Monroe Federal Bancorp (MFBI) has a current Effective Interest Rate on Debt % of 35.67%. The current Effective Interest Rate on Debt % is 35.67%. Monroe Federal Bancorp's overall GF Score™ is 8/100 with 1 warning sign 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 Monroe Federal Bancorp (MFBI), the current Effective Interest Rate on Debt % is 35.67% 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.

Monroe Federal Bancorp Business Description

Address 24 East Main Street, Tipp City, OH, USA, 45371
Monroe Federal Bancorp Inc is a Financial institution offering various products and services for individual and commercial customers. The main products and services offered include checking, savings, and time deposits, including IRAs, and residential and commercial mortgage loans.
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