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Capitol Federal Financial (Capitol Federal Financial) Net Interest Margin (Bank Only) % : 1.76% (As of Dec. 2023)


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What is Capitol Federal Financial Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Capitol Federal Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $158.37 Mil. Capitol Federal Financial's average earning assets for the quarter that ended in Dec. 2023 was $9,021.70 Mil. Therefore, Capitol Federal Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 1.76%.


Capitol Federal Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Capitol Federal Financial's Net Interest Margin (Bank Only) % 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.

* Premium members only.

Capitol Federal Financial Net Interest Margin (Bank Only) % Chart

Capitol Federal Financial Annual Data
Trend Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.36 2.18 1.96 2.13 1.67

Capitol Federal Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.00 1.79 1.47 1.31 1.76

Competitive Comparison of Capitol Federal Financial's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Capitol Federal Financial's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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.


Capitol Federal Financial's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Capitol Federal Financial's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Capitol Federal Financial's Net Interest Margin (Bank Only) % falls into.



Capitol Federal Financial Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Capitol Federal Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2022 ) + Earning Assets (A: Sep. 2023 ))/ count )
=153.272/( (9027.515 + 9355.431)/ 2 )
=153.272/9191.473
=1.67 %

where

Earning Assets(A: Sep. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7464.208 + 1563.307
=9027.515

Earning Assets(A: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7970.949 + 1384.482
=9355.431

Capitol Federal Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=158.372/( (9355.431 + 8687.972)/ 2 )
=158.372/9021.7015
=1.76 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7970.949 + 1384.482
=9355.431

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 7947.51 + 740.462
=8687.972

* 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.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Dec. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Capitol Federal Financial  (NAS:CFFN) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Capitol Federal Financial Net Interest Margin (Bank Only) % Related Terms

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Capitol Federal Financial (Capitol Federal Financial) Business Description

Traded in Other Exchanges
Address
700 South Kansas Avenue, Topeka, KS, USA, 66603
Capitol Federal Financial Inc is a bank holding company that operates through its wholly-owned subsidiary bank, Capitol Federal Savings Bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It primarily serves metropolitan areas within the state of Kansas. The bank performs traditional banking functions such as deposit-taking activities and investing that money in first-lien residential mortgages. It also participates in commercial real estate loans with other lenders, investing those funds in various securities. The vast majority of the bank's loan portfolio is in originated one- to four-family real estate loans. Its primary source of income is net interest income.
Executives
Anthony S. Barry officer: EVP, Corporate Services C/O CAPITOL FEDERAL FINANCIAL, INC., 700 S. KANSAS AVENUE, TOPEKA KS 66603
Jeffrey M Johnson director C/O CAPITOL FEDERAL FINANCIAL INC, 700 KANSAS AVENUE, TOPEKA KS 66603
Carlton A. Ricketts officer: Executive Vice President C/O CAPITOL FEDERAL FINANCIAL, 700 KANSAS AVENUE, TOPEKA KS 66601
Rick C Jackson officer: Executive Vice President CAPITOL FEDERAL FINANCIAL, 700 SOUTH KANSAS AVENUE, TOPEKA KS 66603
James G. Morris director C/O CAPITOL FEDERAL FINANCIAL, INC., 700 S. KANSAS AVENUE, TOPEKA KS 66603
Natalie G. Haag officer: Executive Vice President C/O CAPITOL FEDERAL FINANCIAL, 700 KANSAS AVENUE, TOPEKA KS 66603
Jeffrey R Thompson director C/O CAPITOL FEDERAL FINANCIAL, 700 S. KANSAS AVENUE, TOPEKA KS 66603
Skrobacz William Joseph Jr officer: Executive Vice President 700 S KANSAS AVE, TOPEKA KS 66603
Robert D. Kobbeman officer: EVP, Chief Commercial Banking C/O CAPITOL FEDERAL FINANCIAL, INC., 700 S. KANSAS AVENUE, TOPEKA KS 66603
Huey Morris J Ii director, officer: Executive Vice President C/O CAPITOL FEDERAL FINANCIAL, 700 KANSAS AVENUE, TOPEKA KS 66603
Michel Philipp Cole director C/O CAPITOL FEDERAL FINANCIAL, INC., 700 S. KANSAS AVENUE, TOPEKA KS 66603
John B Dicus director, officer: Chairman and President C/O CAPITOL FEDERAL FINANCIAL, 700 SOUTH KANSAS AVENUE, TOPEKA KS 66603
Daniel L. Lehman officer: Executive Vice President C/O CAPITOL FEDERAL FINANCIAL, INC., 700 S. KANSAS AVENUE, TOPEKA KS 66603
Kent G Townsend officer: Executive Vice President C/O CAPITOL FEDERAL FINANCIAL, 700 S. KANSAS AVENUE, TOPEKA KS 66603
Marilyn S Ward director C/O CAPITOL FEDERAL FINANCIAL, 700 KANSAS AVENUE, TOPEKA KS 66603

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