Flekkefjord Sparebank ASA (OSL:FFSB) Effective Interest Rate on Debt %: 14.11% (As of Mar. 2026)

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What is Flekkefjord Sparebank ASA Effective Interest Rate on Debt %?

Flekkefjord Sparebank ASA OSL:FFSB -2.10% Effective Interest Rate on Debt % is 14.11% as of Mar. 2026. The stock has 3 warning signs 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. Flekkefjord Sparebank ASA's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was kr419.0 Mil. Flekkefjord Sparebank ASA's average total debt for the quarter that ended in Mar. 2026 was kr2,968.7 Mil. Therefore, Flekkefjord Sparebank ASA's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 14.11%.


Flekkefjord Sparebank ASA  (OSL:FFSB) Effective Interest Rate on Debt % Explanation

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


Flekkefjord Sparebank ASA Effective Interest Rate on Debt % Related Terms


Flekkefjord Sparebank ASA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Flekkefjord Sparebank ASA'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.

Flekkefjord Sparebank ASA Effective Interest Rate on Debt % Chart

Flekkefjord Sparebank ASA Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
3.39 6.43 14.94 18.17 16.25

Flekkefjord Sparebank ASA Quarterly Data
Dec21 Dec22 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.11 16.65 16.49 15.29 14.11

Flekkefjord Sparebank ASA Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Flekkefjord Sparebank ASA'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.


Flekkefjord Sparebank ASA Effective Interest Rate on Debt % vs Banks Industry

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

* The bar in red indicates where Flekkefjord Sparebank ASA's Effective Interest Rate on Debt % falls into.



Flekkefjord Sparebank ASA Effective Interest Rate on Debt % Calculation

Flekkefjord Sparebank ASA's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -401.131/( (2066.361+2869.205)/ 2 )
=-1  *  -401.131/2467.783
=16.25 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2066.361 + 0
=2066.361

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2869.205 + 0
=2869.205

Flekkefjord Sparebank ASA'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  *  -418.972/( (2869.205+3068.193)/ 2 )
=-1  *  -418.972/2968.699
=14.11 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2869.205 + 0
=2869.205

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3068.193 + 0
=3068.193

* 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 14.11% mean?
Flekkefjord Sparebank ASA (OSL:FFSB) has a Effective Interest Rate on Debt % of 14.11% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Flekkefjord Sparebank ASA and its competitors.
Is Flekkefjord Sparebank ASA's Effective Interest Rate on Debt % too high?
Flekkefjord Sparebank ASA's current Effective Interest Rate on Debt % is 14.11%.
How does Flekkefjord Sparebank ASA's Effective Interest Rate on Debt % compare to competitors?
Flekkefjord Sparebank ASA's Effective Interest Rate on Debt % of 14.11% 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 Flekkefjord Sparebank ASA and its competitors. Flekkefjord Sparebank ASA's current Effective Interest Rate on Debt % is 14.11%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Flekkefjord Sparebank ASA stock overvalued right now?
Flekkefjord Sparebank ASA (OSL:FFSB) has a current Effective Interest Rate on Debt % of 14.11%. The current Effective Interest Rate on Debt % is 14.11%. 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 Flekkefjord Sparebank ASA (OSL:FFSB), the current Effective Interest Rate on Debt % is 14.11% 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.

Flekkefjord Sparebank ASA Business Description

Address Brogaten 18, Flekkefjord, NOR, 4400
Flekkefjord Sparebank ASA formerly Flekkefjord Sparebank is involved in banking activities and provides all the banking services to its customer. The banking services includes saving bank, commercial bank etc.