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).
Federal Agricultural Mortgage (NYSE:AGM) 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.
Federal Agricultural Mortgage Net Interest Margin (Bank Only) % Related Terms
Federal Agricultural Mortgage Net Interest Margin (Bank Only) % Historical Data
* 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.
Federal Agricultural Mortgage Net Interest Margin (Bank Only) % Chart
AGM vs EZPW, ECPG, QFIN: Net Interest Margin (Bank Only) % Comparison
For the Credit Services subindustry, Federal Agricultural Mortgage'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.
Federal Agricultural Mortgage Net Interest Margin (Bank Only) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Federal Agricultural Mortgage's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Federal Agricultural Mortgage's Net Interest Margin (Bank Only) % falls into.
Federal Agricultural Mortgage 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).
Federal Agricultural Mortgage's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 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 (Mar. 2026) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 1.17% mean?
Federal Agricultural Mortgage (AGM) has a Net Interest Margin (Bank Only) % of 1.17% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Federal Agricultural Mortgage and its competitors.
Is Federal Agricultural Mortgage's Net Interest Margin (Bank Only) % too high?
Federal Agricultural Mortgage's current Net Interest Margin (Bank Only) % is 1.17%. Overall, Federal Agricultural Mortgage has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Federal Agricultural Mortgage's Net Interest Margin (Bank Only) % compare to EZPW and ECPG?
Federal Agricultural Mortgage's Net Interest Margin (Bank Only) % of 1.17% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Credit Services company?
A good Net Interest Margin (Bank Only) % depends on the Credit Services industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Federal Agricultural Mortgage and its competitors. Federal Agricultural Mortgage's current Net Interest Margin (Bank Only) % is 1.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Federal Agricultural Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Federal Agricultural Mortgage (AGM) is currently considered Modestly Undervalued. The stock's GF Value™ is $229.76, compared to a current price of $196.18 — trading 14.6% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 1.17%. Federal Agricultural Mortgage's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Federal Agricultural Mortgage (AGM), the current Net Interest Margin (Bank Only) % is 1.17% 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 Federal Agricultural Mortgage (AGM) Overvalued in 2026?
Based on GuruFocus' analysis, Federal Agricultural Mortgage stock appears to be undervalued.
The current stock price of $196.18 is trading 14.6% below its estimated GF Value™ of $229.76.
GuruFocus considers Federal Agricultural Mortgage to be Modestly Undervalued.
Key valuation signals for AGM:
Net Interest Margin (Bank Only) %: 1.17%
GF Value™: $229.76 vs. price of $196.18 (14.6% below fair value)
No single metric tells the full story. See the AGM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Federal Agricultural Mortgage Business Description
Federal Agricultural Mortgage Corp provides agricultural real estate and rural housing mortgage loans in the secondary market in the U.S. Its operations consist of seven reportable segments: Farm & Ranch, which generates maximum revenue, Corporate AgFinance, Power & Utilities, Broadband Infrastructure, Renewable Energy, Funding, and Investments. The company purchases eligible mortgage loans secured by first liens on agricultural real estate and rural housing under the Farm & Ranch line of business. Its subsidiary purchases portions of certain agricultural, rural development, business and industry, and community facilities loans guaranteed by the USDA. Geographically, the company's operations are spread across different regions in the United States.
62GF Score
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