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Bank of Commerce (PHS:BNCOM) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Bank of Commerce Effective Interest Rate on Debt % Related Terms
Bank of Commerce Effective Interest Rate on Debt % Historical Data
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The historical data trend for Bank of Commerce'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.
Bank of Commerce Effective Interest Rate on Debt % Chart
PHS:BNCOM vs JPM, BAC, WFC: Effective Interest Rate on Debt % Comparison
For the Banks - Diversified subindustry, Bank of Commerce'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.
Bank of Commerce Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Commerce's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Bank of Commerce'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 24.08% mean?
Bank of Commerce (PHS:BNCOM) has a Effective Interest Rate on Debt % of 24.08% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bank of Commerce and its competitors.
Is Bank of Commerce's Effective Interest Rate on Debt % too high?
Bank of Commerce's current Effective Interest Rate on Debt % is 24.08%. Overall, Bank of Commerce has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's Effective Interest Rate on Debt % compare to JPM and BAC?
Bank of Commerce's Effective Interest Rate on Debt % of 24.08% 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 Bank of Commerce and its competitors. Bank of Commerce's current Effective Interest Rate on Debt % is 24.08%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Bank of Commerce (PHS:BNCOM) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱9.34, compared to a current price of ₱10.58 — trading 13.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 24.08%. Bank of Commerce's overall GF Score™ is 70/100 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 Bank of Commerce (PHS:BNCOM), the current Effective Interest Rate on Debt % is 24.08% 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 Bank of Commerce (PHS:BNCOM) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Commerce stock appears to be overvalued.
The current stock price of ₱10.58 is trading 13.3% above its estimated GF Value™ of ₱9.34.
GuruFocus considers Bank of Commerce to be Modestly Overvalued.
Key valuation signals for PHS:BNCOM:
Effective Interest Rate on Debt %: 24.08%
GF Value™: ₱9.34 vs. price of ₱10.58 (13.3% above fair value)
No single metric tells the full story. See the PHS:BNCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
70GF 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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