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. Wells Fargo's annualizedNet Interest Income (for Banks) for the quarter that ended in Sep. 2022 was $48,392 Mil. Wells Fargo's average earning assets for the quarter that ended in Sep. 2022 was $1,545,095 Mil. Therefore, Wells Fargo's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2022 was 3.13%.
Wells Fargo Net Interest Margin (Bank Only) % Historical Data
The historical data trend for Wells Fargo'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.
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Wells Fargo Annual Data
Trend
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Dec20
Dec21
Dec22
Net Interest Margin (Bank Only) %
3.24
3.00
2.57
2.33
2.88
Wells Fargo Quarterly Data
Mar18
Jun18
Sep18
Dec18
Mar19
Jun19
Sep19
Dec19
Mar20
Jun20
Sep20
Dec20
Mar21
Jun21
Sep21
Dec21
Mar22
Jun22
Sep22
Dec22
Net Interest Margin (Bank Only) %
2.40
2.36
2.61
3.13
3.46
Competitive Comparison
For the Banks - Diversified subindustry, Wells Fargo'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.
Wells Fargo Net Interest Margin (Bank Only) % Distribution
For the Banks industry and Financial Services sector, Wells Fargo's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Wells Fargo's Net Interest Margin (Bank Only) % falls in comparison to its industry or sector. The grey bar indicates the Net Interest Margin (Bank Only) %'s extreme value range as defined by GuruFocus.
Wells Fargo 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).
Wells Fargo's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2021 is calculated as
* 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 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 (Sep. 2022) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
Wells Fargo (NYSE:WFC) 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.
Wells Fargo Net Interest Margin (Bank Only) % Related Terms
Thank you for viewing the detailed overview of Wells Fargo's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.
Wells Fargo is one of the largest banks in the United States, with approximately $1.9 trillion in balance sheet assets. The company is split into four primary segments: consumer banking, commercial banking, corporate and investment banking, and wealth and investment management. It is almost entirely focused on the U.S.
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