Doha Bank QPSC (DSMD:DHBK) Net Interest Margin (Bank Only) %: 2.66% (As of Mar. 2026)

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DSMD:DHBK Doha Bank QPSC DSMD:DHBK
45 GF Score
Price ر.ق2.86
GF Value ر.ق1.93
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Doha Bank QPSC Net Interest Margin (Bank Only) %?

Doha Bank QPSC DSMD:DHBK 45 Net Interest Margin (Bank Only) % is 2.66% as of Mar. 2026. GuruFocus rates DSMD:DHBK with a GF Score™ of 45/100 and a GF Value™ of ر.ق1.93 (Significantly Overvalued). The stock has 7 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. Doha Bank QPSC's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2026 was ر.ق1,989 Mil. Doha Bank QPSC's average earning assets for the quarter that ended in Mar. 2026 was ر.ق74,767 Mil. Therefore, Doha Bank QPSC's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 2.66%.


Doha Bank QPSC  (DSMD:DHBK) 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.


Doha Bank QPSC Net Interest Margin (Bank Only) % Related Terms


Doha Bank QPSC Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Doha Bank QPSC'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.

Doha Bank QPSC Net Interest Margin (Bank Only) % Chart

Doha Bank QPSC 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 3.83 3.47 3.09 2.96 2.83

Doha Bank QPSC 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 3.15 2.85 3.15 2.55 2.66

DSMD:DHBK vs JPM, BAC, WFC: Net Interest Margin (Bank Only) % Comparison

For the Banks - Diversified subindustry, Doha Bank QPSC'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.


Doha Bank QPSC Net Interest Margin (Bank Only) % vs Banks Industry

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

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


DSMD:DHBK
45GF Score
Doha Bank QPSC DSMD:DHBK
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Doha Bank QPSC 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).

Doha Bank QPSC'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 )
=1967.436/( (65258.104 + 73558.069)/ 2 )
=1967.436/69408.0865
=2.83 %

where

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=233.414 + 65024.69 + 0
=65258.104

Earning Assets(A: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=474.295 + 73083.774 + 0
=73558.069

Doha Bank QPSC'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 )
=1989.412/( (73558.069 + 75975.288)/ 2 )
=1989.412/74766.6785
=2.66 %

where

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=474.295 + 73083.774 + 0
=73558.069

Earning Assets(Q: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 75975.288 + 0
=75975.288

* 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 2.66% mean?
Doha Bank QPSC (DSMD:DHBK) has a Net Interest Margin (Bank Only) % of 2.66% 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 Doha Bank QPSC and its competitors.
Is Doha Bank QPSC's Net Interest Margin (Bank Only) % too high?
Doha Bank QPSC's current Net Interest Margin (Bank Only) % is 2.66%. Overall, Doha Bank QPSC has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Doha Bank QPSC's Net Interest Margin (Bank Only) % compare to JPM and BAC?
Doha Bank QPSC's Net Interest Margin (Bank Only) % of 2.66% 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 Doha Bank QPSC and its competitors. Doha Bank QPSC's current Net Interest Margin (Bank Only) % is 2.66%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Doha Bank QPSC stock overvalued right now?
Based on GuruFocus' analysis, Doha Bank QPSC (DSMD:DHBK) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ق1.93, compared to a current price of ر.ق2.86 — trading 48.1% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 2.66%. Doha Bank QPSC's overall GF Score™ is 45/100 with 7 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 Doha Bank QPSC (DSMD:DHBK), the current Net Interest Margin (Bank Only) % is 2.66% 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 Doha Bank QPSC (DSMD:DHBK) Overvalued in 2026?

Based on GuruFocus' analysis, Doha Bank QPSC stock appears to be overvalued. The current stock price of ر.ق2.86 is trading 48.1% above its estimated GF Value™ of ر.ق1.93. GuruFocus considers Doha Bank QPSC to be Significantly Overvalued.

Key valuation signals for DSMD:DHBK:

  • Net Interest Margin (Bank Only) %: 2.66%
  • GF Value™: ر.ق1.93 vs. price of ر.ق2.86 (48.1% above fair value)
  • GF Score™: 45/100 with 7 warning signs

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


Doha Bank QPSC Business Description

Address Corniche Street, West Bay, P.O. Box 3818, Doha Bank Tower, Doha, QAT
Doha Bank QPSC is engaged in conventional banking activities. The company provides its services to individuals, commercial, corporate, and institutional clients across Qatar and internationally. Its segments include Conventional Banking and Insurance Activities. Conventional banking includes Corporate banking, Retail Banking, and Unallocated assets, liabilities, and revenue. Whereas Insurance Activities include various types of Insurances. The company derives maximum revenue from the Conventional Banking segment. Geographically, it derives a majority of its revenue from Qatar, and also operates in the Middle East, other GCC countries, and the rest of the world.
45GF Score

Get the complete analysis for DSMD:DHBK

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

ر.ق2.86
Price
ر.ق1.93
GF Value