PBCO (PBCO Financial) Effective Interest Rate on Debt % : 29.10% (As of Dec. 2024)

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What is PBCO Financial Effective Interest Rate on Debt %?

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. PBCO Financial's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $11.40 Mil. PBCO Financial's average total debt for the quarter that ended in Dec. 2024 was $39.17 Mil. Therefore, PBCO Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 29.10%.

PBCO Financial Effective Interest Rate on Debt % Historical Data

The historical data trend for PBCO 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.

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PBCO Financial Effective Interest Rate on Debt % Chart

PBCO Financial Annual Data

Trend

Dec05

Dec06

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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8.45

13.06

8.24

19.77

29.10

PBCO Financial Semi-Annual Data
	Dec02	Dec03	Dec04	Dec05	Dec06	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial								8.45	13.06	8.24	19.77	29.10

Competitive Comparison of PBCO Financial's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, PBCO 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.

PBCO Financial's Effective Interest Rate on Debt % Distribution in the Banks Industry

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

* The bar in red indicates where PBCO Financial's Effective Interest Rate on Debt % falls into.

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PBCO Financial Effective Interest Rate on Debt % Calculation

PBCO Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -11.4	/	( (49.756	+	28.592)	/ 2 )
=	-1 * -11.4	/	39.174
=	29.10 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	49.756	+	0
=	49.756

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	28.592	+	0
=	28.592

PBCO Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2023 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -11.4	/	( (49.756	+	28.592)	/ 2 )
=	-1 * -11.4	/	39.174
=	29.10 %

where

	Total Debt (Q: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	49.756	+	0
=	49.756

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	28.592	+	0
=	28.592

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. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

PBCO Financial (OTCPK:PBCO) Effective Interest Rate on Debt % Explanation

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

PBCO Financial Effective Interest Rate on Debt % Related Terms

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PBCO Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PBCO Financial Corp (OTCPK:PBCO) » Definitions » Effective Interest Rate on Debt %

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Traded in Other Exchanges

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Address

1528 Biddle Raod, Medford, OR, USA, 97504

Website

https://www.peoplesbank.bank

PBCO Financial Corp is a bank holding company. Through its banking subsidiary, it mainly provides banking services in the state of Oregon. The company's reportable segments are Core Banking and its factoring division, Steelhead Finance. The Core Banking segment includes all lines of business, except factoring, including commercial and retail banking, as well as the operations, technology, and administrative functions of the Bank and Holding company. The factoring division segment includes the revenue earned from factored accounts receivable and other fees charged to factoring clients. A majority of its revenue is generated from the Core Banking segment.

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