Banco Da Amazonia (BSP:BAZA3) Net Interest Margin (Bank Only) %: -1.73% (As of Mar. 2026)


BSP:BAZA3 Banco Da Amazonia SA BSP:BAZA3
56 GF Score
Price R$63.90
GF Value R$92.34
Valuation Possible Value Trap
! 3 Warning Signs
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What is Banco Da Amazonia Net Interest Margin (Bank Only) %?

Banco Da Amazonia BSP:BAZA3 -0.14% 56 Net Interest Margin (Bank Only) % is -1.73% as of Mar. 2026. GuruFocus rates BSP:BAZA3 with a GF Score™ of 56/100 and a GF Value™ of R$92.34 (Possible Value Trap). The stock has 3 warning signs investors should review.

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. Banco Da Amazonia's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2026 was R$-674 Mil. Banco Da Amazonia's average earning assets for the quarter that ended in Mar. 2026 was R$39,005 Mil. Therefore, Banco Da Amazonia's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was -1.73%.


Banco Da Amazonia  (BSP:BAZA3) 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.


Banco Da Amazonia Net Interest Margin (Bank Only) % Related Terms


Banco Da Amazonia Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Banco Da Amazonia'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.

Banco Da Amazonia Net Interest Margin (Bank Only) % Chart

Banco Da Amazonia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.98 8.70 6.78 5.21 5.55

Banco Da Amazonia Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 -2.35 -2.70 -2.64 27.55 -1.73

Banco Da Amazonia Net Interest Margin (Bank Only) % Competitor Comparison

For the Banks - Regional subindustry, Banco Da Amazonia'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.


Banco Da Amazonia Net Interest Margin (Bank Only) % vs Banks Industry

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

* The bar in red indicates where Banco Da Amazonia's Net Interest Margin (Bank Only) % falls into.


BSP:BAZA3
56GF Score
Banco Da Amazonia SA BSP:BAZA3
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Da Amazonia 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).

Banco Da Amazonia's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2024 ) + Earning Assets (A: Dec. 2025 ))/ count )
=1929.8/( (31042.101 + 38440.405)/ 2 )
=1929.8/34741.253
=5.55 %

where

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=29.996 + 31012.105 + 0
=31042.101

Earning Assets(A: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 38440.405 + 0
=38440.405

Banco Da Amazonia's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2025 ) + Earning Assets (Q: Mar. 2026 ))/ count )
=-674/( (38440.405 + 39569.254)/ 2 )
=-674/39004.8295
=-1.73 %

where

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 38440.405 + 0
=38440.405

Earning Assets(Q: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 39569.254 + 0
=39569.254

* 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 (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 -1.73% mean?
Banco Da Amazonia (BSP:BAZA3) has a Net Interest Margin (Bank Only) % of -1.73% 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 Banco Da Amazonia and its competitors.
Is Banco Da Amazonia's Net Interest Margin (Bank Only) % too high?
Banco Da Amazonia's current Net Interest Margin (Bank Only) % is -1.73%. Overall, Banco Da Amazonia has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Banco Da Amazonia's Net Interest Margin (Bank Only) % compare to competitors?
Banco Da Amazonia's Net Interest Margin (Bank Only) % of -1.73% 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 Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks 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 Banco Da Amazonia and its competitors. Banco Da Amazonia's current Net Interest Margin (Bank Only) % is -1.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Da Amazonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Da Amazonia (BSP:BAZA3) is currently considered Possible Value Trap. The stock's GF Value™ is R$92.34, compared to a current price of R$63.90 — trading 30.8% below its estimated fair value. The current Net Interest Margin (Bank Only) % is -1.73%. Banco Da Amazonia's overall GF Score™ is 56/100 with 3 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 Banco Da Amazonia (BSP:BAZA3), the current Net Interest Margin (Bank Only) % is -1.73% 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 Banco Da Amazonia (BSP:BAZA3) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Da Amazonia stock appears to be undervalued. The current stock price of R$63.90 is trading 30.8% below its estimated GF Value™ of R$92.34. GuruFocus considers Banco Da Amazonia to be Possible Value Trap.

Key valuation signals for BSP:BAZA3:

  • Net Interest Margin (Bank Only) %: -1.73%
  • GF Value™: R$92.34 vs. price of R$63.90 (30.8% below fair value)
  • GF Score™: 56/100 with 3 warning signs

No single metric tells the full story. See the BSP:BAZA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Da Amazonia Business Description

Address Avenida Presidente Vargas 800 - 9th Floor, Belem, PR, BRA, 66017000
Banco Da Amazonia SA is the federal financial support institution that promotes the development of the Amazon Region. It finances major infrastructure projects, lends to rural and urban businesses, and offers credit cards and mutual fund investments.
56GF Score

Get the complete analysis for BSP:BAZA3

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

R$63.90
Price
R$92.34
GF Value