Universal Modern Industries (AMM:UMIC) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

AMM:UMIC Universal Modern Industries AMM:UMIC
86 GF Score
Price JOD1.87
GF Value JOD2.17
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Universal Modern Industries Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

AMM:UMIC
86GF Score
Universal Modern Industries AMM:UMIC
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Universal Modern Industries (AMM:UMIC) Overvalued in 2026?

Based on GuruFocus' analysis, Universal Modern Industries stock appears to be undervalued. The current stock price of JOD1.87 is trading 13.8% below its estimated GF Value™ of JOD2.17. GuruFocus considers Universal Modern Industries to be Modestly Undervalued.

Key valuation signals for AMM:UMIC:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: JOD2.17 vs. price of JOD1.87 (13.8% below fair value)
  • GF Score™: 86/100 with 3 warning signs

No single metric tells the full story. See the AMM:UMIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Universal Modern Industries Business Description

Address Zarqa - Free Zone Area, P.O. Box: 927139, Amman, JOR, 11190
Universal Modern Industries is engaged in refining and filling of vegetable oil, which are used for food. The company products include Golden Corn, Golden Flower, Shahrazad, Sungold, Al-Kinz, Al-Balka, Sun Gold Shortening, and Sun Gold Margarine.
86GF Score

Get the complete analysis for AMM:UMIC

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JOD1.87
Price
JOD2.17
GF Value