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. Oita Bank's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $99.4 Mil. Oita Bank's average total debt for the quarter that ended in Mar. 2026 was $2,167.0 Mil. Therefore, Oita Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.59%.
Oita Bank (OTCPK:OITAF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Oita Bank Effective Interest Rate on Debt % Related Terms
Oita Bank Effective Interest Rate on Debt % Historical Data
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The historical data trend for Oita Bank'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.
Oita Bank Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Oita Bank'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.
Oita Bank Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Oita Bank's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Oita Bank'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 4.59% mean?
Oita Bank (OITAF) has a Effective Interest Rate on Debt % of 4.59% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Oita Bank and its competitors.
Is Oita Bank's Effective Interest Rate on Debt % too high?
Oita Bank's current Effective Interest Rate on Debt % is 4.59%. Overall, Oita Bank has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Oita Bank's Effective Interest Rate on Debt % compare to competitors?
Oita Bank's Effective Interest Rate on Debt % of 4.59% 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 Oita Bank and its competitors. Oita Bank's current Effective Interest Rate on Debt % is 4.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oita Bank stock overvalued right now?
Oita Bank (OITAF) has a current Effective Interest Rate on Debt % of 4.59%. The stock's GF Value™ is $1.44, compared to a current price of $4.31 — trading 199.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.59%. Oita Bank's overall GF Score™ is 49/100 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 Oita Bank (OITAF), the current Effective Interest Rate on Debt % is 4.59% 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 Oita Bank (OITAF) Overvalued in 2026?
Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued.
The current stock price of $4.31 is trading 199.3% above its estimated GF Value™ of $1.44.
Key valuation signals for OITAF:
Effective Interest Rate on Debt %: 4.59%
GF Value™: $1.44 vs. price of $4.31 (199.3% above fair value)
No single metric tells the full story. See the OITAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oita Bank Ltd is a Japanese regional bank operating primarily in the Oita prefecture, located in the southwest of the nation's archipelago. The bank emphasizes a community-based strategy to create value alongside its operating region. It provides financial services to businesses and individuals, including banking, leasing, and credit cards. A majority of the bank's earning assets are in loans and bills discounted, followed by investment securities. Most of the bank's income is overwhelmingly net interest income, followed by fees and commissions.
49GF 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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