WCFB (WCF Bancorp) Effective Interest Rate on Debt %: 5.49% (As of Dec. 2018)


WCFB WCF Bancorp Inc WCFB
12 GF Score
Price $6.05
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What is WCF Bancorp Effective Interest Rate on Debt %?

WCF Bancorp WCFB -0.17% 12 Effective Interest Rate on Debt % is 5.49% as of Dec. 2018. GuruFocus rates WCFB with a GF Score™ of 12/100.

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. WCF Bancorp's annualized positive value of Interest Expense for the quarter that ended in Dec. 2018 was $1.04 Mil. WCF Bancorp's average total debt for the quarter that ended in Dec. 2018 was $19.00 Mil. Therefore, WCF Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2018 was 5.49%.

WCF Bancorp  (OTCPK:WCFB) Effective Interest Rate on Debt % Explanation

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

WCF Bancorp Effective Interest Rate on Debt % Related Terms

WCF Bancorp Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for WCF 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.

WCF Bancorp Effective Interest Rate on Debt % Chart

WCF Bancorp Annual Data
Trend Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec15 Dec16 Dec17 Dec18
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.93 6.93 9.47 6.71 5.49

WCF Bancorp Semi-Annual Data
Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec15 Dec16 Dec17 Dec18
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 24.93 6.93 9.47 6.71 5.49

WCFB vs FNFI, LBNW, ASCN: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, WCF 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.

WCF Bancorp Effective Interest Rate on Debt % vs Banks Industry

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

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


WCFB
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WCF Bancorp Inc WCFB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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WCF Bancorp Effective Interest Rate on Debt % Calculation

WCF Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2018 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2017 )+Total Debt  (A: Dec. 2018 ))/ count )
=-1  *  -1.044/( (14+24)/ 2 )
=-1  *  -1.044/19
=5.49 %

where

Total Debt  (A: Dec. 2017 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14 + 0
=14

Total Debt  (A: Dec. 2018 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=24 + 0
=24

WCF Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2018 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2017 )+Total Debt  (Q: Dec. 2018 ))/ count )
=-1  *  -1.044/( (14+24)/ 2 )
=-1  *  -1.044/19
=5.49 %

where

Total Debt  (Q: Dec. 2017 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=14 + 0
=14

Total Debt  (Q: Dec. 2018 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=24 + 0
=24

* 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 one times the annual (Dec. 2018) 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 5.49% mean?
WCF Bancorp (WCFB) has a Effective Interest Rate on Debt % of 5.49% as of Dec. 2018. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on WCF Bancorp and its competitors.
Is WCF Bancorp's Effective Interest Rate on Debt % too high?
WCF Bancorp's current Effective Interest Rate on Debt % is 5.49%. Overall, WCF Bancorp has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does WCF Bancorp's Effective Interest Rate on Debt % compare to FNFI and LBNW?
WCF Bancorp's Effective Interest Rate on Debt % of 5.49% 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 WCF Bancorp and its competitors. WCF Bancorp's current Effective Interest Rate on Debt % is 5.49%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WCF Bancorp stock overvalued right now?
WCF Bancorp (WCFB) has a current Effective Interest Rate on Debt % of 5.49%. The current Effective Interest Rate on Debt % is 5.49%. WCF Bancorp's overall GF Score™ is 12/100. 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 WCF Bancorp (WCFB), the current Effective Interest Rate on Debt % is 5.49% as of Dec. 2018. 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.

WCF Bancorp Business Description

Address 401 Fair Meadow Drive, P.O. Box 638, Webster City, IA, USA, 50595
WCF Bancorp Inc is a bank holding company for WCF Financial Bank. The Bank has full-service offices in Webster City, Independence and Tama, Iowa. The primary business activities include accepting deposits from individual, corporate, and public clients and investing those deposits in real estate, agricultural, commercial, and personal loans. Its various banking and financial services and product offerings include credit and debit cards, loans, checking accounts, business loans, agricultural loans, business credit cards, and money market accounts, among others. The Bank provides banking services to its local respective markets.
12GF 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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