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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).
Ares Commercial Real Estate (FRA:41I) 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.
Ares Commercial Real Estate Net Interest Margin (Bank Only) % Related Terms
Ares Commercial Real Estate Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for Ares Commercial Real Estate'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.
Ares Commercial Real Estate Net Interest Margin (Bank Only) % Chart
FRA:41I vs REFI, RC, MITT: Net Interest Margin (Bank Only) % Comparison
For the REIT - Mortgage subindustry, Ares Commercial Real Estate'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.
Ares Commercial Real Estate Net Interest Margin (Bank Only) % vs REITs Industry
For the REITs industry and Real Estate sector, Ares Commercial Real Estate's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Ares Commercial Real Estate's Net Interest Margin (Bank Only) % falls into.
Ares Commercial Real Estate 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).
Ares Commercial Real Estate'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 (Jun. 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 2.11% mean?
Ares Commercial Real Estate (FRA:41I) has a Net Interest Margin (Bank Only) % of 2.11% as of Jun. 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 Ares Commercial Real Estate and its competitors.
Is Ares Commercial Real Estate's Net Interest Margin (Bank Only) % too high?
Ares Commercial Real Estate's current Net Interest Margin (Bank Only) % is 2.11%. Overall, Ares Commercial Real Estate has a GF Score™ of 43/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Ares Commercial Real Estate's Net Interest Margin (Bank Only) % compare to REFI and RC?
Ares Commercial Real Estate's Net Interest Margin (Bank Only) % of 2.11% can be compared against companies in the REITs 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 REITs company?
A good Net Interest Margin (Bank Only) % depends on the REITs 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 Ares Commercial Real Estate and its competitors. Ares Commercial Real Estate's current Net Interest Margin (Bank Only) % is 2.11%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ares Commercial Real Estate stock overvalued right now?
Based on GuruFocus' analysis, Ares Commercial Real Estate (FRA:41I) is currently considered Possible Value Trap. The stock's GF Value™ is €9.98, compared to a current price of €4.06 — trading 59.4% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 2.11%. Ares Commercial Real Estate's overall GF Score™ is 43/100 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 Ares Commercial Real Estate (FRA:41I), the current Net Interest Margin (Bank Only) % is 2.11% as of Jun. 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 Ares Commercial Real Estate (FRA:41I) Overvalued in 2026?
Based on GuruFocus' analysis, Ares Commercial Real Estate stock appears to be undervalued.
The current stock price of €4.06 is trading 59.4% below its estimated GF Value™ of €9.98.
GuruFocus considers Ares Commercial Real Estate to be Possible Value Trap.
Key valuation signals for FRA:41I:
Net Interest Margin (Bank Only) %: 2.11%
GF Value™: €9.98 vs. price of €4.06 (59.4% below fair value)
No single metric tells the full story. See the FRA:41I stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ares Commercial Real Estate Corp is a specialty finance company and a real estate investment trust mainly engaged in originating and investing in commercial real estate (CRE) loans and related investments. It operates in one segment, namely originating and managing a diversified portfolio of CRE debt-related investments. The company recognizes the majority of its revenues in the form of interest income, which it receives from loans.
43GF Score
Get the complete analysis for FRA:41I
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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