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. BFF Bank SpA's annualizedNet Interest Income (for Banks) for the quarter that ended in Mar. 2026 was €260.1 Mil. BFF Bank SpA's average earning assets for the quarter that ended in Mar. 2026 was €7,612.0 Mil. Therefore, BFF Bank SpA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 3.42%.
BFF Bank SpA (FRA:2BF) 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.
BFF Bank SpA Net Interest Margin (Bank Only) % Related Terms
BFF Bank SpA Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for BFF Bank SpA'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.
BFF Bank SpA Net Interest Margin (Bank Only) % Chart
FRA:2BF vs V, MA, AXP: Net Interest Margin (Bank Only) % Comparison
For the Credit Services subindustry, BFF Bank SpA'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.
BFF Bank SpA Net Interest Margin (Bank Only) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, BFF Bank SpA's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where BFF Bank SpA's Net Interest Margin (Bank Only) % falls into.
BFF Bank SpA 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).
BFF Bank SpA'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 3.42% mean?
BFF Bank SpA (FRA:2BF) has a Net Interest Margin (Bank Only) % of 3.42% 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 BFF Bank SpA and its competitors.
Is BFF Bank SpA's Net Interest Margin (Bank Only) % too high?
BFF Bank SpA's current Net Interest Margin (Bank Only) % is 3.42%. Overall, BFF Bank SpA has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BFF Bank SpA's Net Interest Margin (Bank Only) % compare to V and MA?
BFF Bank SpA's Net Interest Margin (Bank Only) % of 3.42% 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 BFF Bank SpA and its competitors. BFF Bank SpA's current Net Interest Margin (Bank Only) % is 3.42%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BFF Bank SpA stock overvalued right now?
Based on GuruFocus' analysis, BFF Bank SpA (FRA:2BF) is currently considered Possible Value Trap. The stock's GF Value™ is €8.44, compared to a current price of €2.93 — trading 65.3% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 3.42%. BFF Bank SpA's overall GF Score™ is 63/100 with 4 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 BFF Bank SpA (FRA:2BF), the current Net Interest Margin (Bank Only) % is 3.42% 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 BFF Bank SpA (FRA:2BF) Overvalued in 2026?
Based on GuruFocus' analysis, BFF Bank SpA stock appears to be undervalued.
The current stock price of €2.93 is trading 65.3% below its estimated GF Value™ of €8.44.
GuruFocus considers BFF Bank SpA to be Possible Value Trap.
Key valuation signals for FRA:2BF:
Net Interest Margin (Bank Only) %: 3.42%
GF Value™: €8.44 vs. price of €2.93 (65.3% below fair value)
No single metric tells the full story. See the FRA:2BF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BFF Bank SpA is an independent specialty finance company engaged in three business units; Factoring & Lending BU, which offers products such as non-recourse factoring, lending, and credit management mainly to public sector suppliers and public administration bodies, Securities Services BU, which deals with custodian banking for investment funds and related services such as fund accounting, and transfer agents for national managers and banks and for various investment funds such as pension funds, mutual funds and alternative funds, and Payments BU, which deals with payment processing, corporate payments, and cheques and bills and has as customers medium-small Italian banks, medium-large companies and boasts a partnership with Nexi.
63GF Score
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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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