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Lument Finance Trust (Lument Finance Trust) Net Interest Margin (Bank Only) % : 2.65% (As of Dec. 2023)


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What is Lument Finance Trust Net Interest Margin (Bank Only) %?

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. Lument Finance Trust's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $36.37 Mil. Lument Finance Trust's average earning assets for the quarter that ended in Dec. 2023 was $1,370.60 Mil. Therefore, Lument Finance Trust's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 2.65%.


Lument Finance Trust Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Lument Finance Trust'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.

* Premium members only.

Lument Finance Trust Net Interest Margin (Bank Only) % Chart

Lument Finance Trust Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.47 2.96 2.57 2.29 2.80

Lument Finance Trust Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
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 2.57 3.15 2.95 3.21 2.65

Competitive Comparison of Lument Finance Trust's Net Interest Margin (Bank Only) %

For the REIT - Mortgage subindustry, Lument Finance Trust'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.


Lument Finance Trust's Net Interest Margin (Bank Only) % Distribution in the REITs Industry

For the REITs industry and Real Estate sector, Lument Finance Trust's Net Interest Margin (Bank Only) % distribution charts can be found below:

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



Lument Finance Trust 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).

Lument Finance Trust's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2022 ) + Earning Assets (A: Dec. 2023 ))/ count )
=34.393/( (1075.397 + 1384.151)/ 2 )
=34.393/1229.774
=2.80 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=3.507 + 1071.89 + 0
=1075.397

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0.27 + 1383.881 + 0
=1384.151

Lument Finance Trust's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=36.372/( (1357.057 + 1384.151)/ 2 )
=36.372/1370.604
=2.65 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=6.225 + 1350.832 + 0
=1357.057

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0.27 + 1383.881 + 0
=1384.151

* 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 (Dec. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Lument Finance Trust  (NYSE:LFT) 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.


Lument Finance Trust Net Interest Margin (Bank Only) % Related Terms

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Lument Finance Trust (Lument Finance Trust) Business Description

Industry
Traded in Other Exchanges
Address
230 Park Avenue, 20th Floor, New York, NY, USA, 10169
Lument Finance Trust Inc operates as a real estate investment trust. The company is engaged in investment, financing, and management of a portfolio of commercial real estate debt investments. It invests in transitional floating-rate commercial mortgage loans, mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed-rate loans, construction loans, and other CRE debt instruments.
Executives
William A Houlihan director 10900 WAYZATA BOULEVARD, MINNETONKA MN 55305
James J Henson officer: PRESIDENT LUMENT FINANCE TRUST, INC., 10 W BROAD ST., 8TH FLOOR, COLUMBUS OH 43215
Walter C Keenan director C/O FIVE OAKS INVESTMENT CORP., 540 MADISON AVE, 19TH FLOOR, NEW YORK NY 10022
James Christopher Hunt director 4401 NORTH MESA, EL PASO TX 79902
James A Briggs officer: Chief Financial Officer C/O HUNT COMPANIES FINANCE TRUST INC., 230 PARK AVENUE, 19TH FLOOR, NEW YORK NY 10169
James Peter Flynn officer: Chief Executive Officer 230 PARK AVENUE, 19TH FLOOR, NEW YORK NY 10169
Hunt Companies, Inc. 10 percent owner 4401 NORTH MESA, EL PASO TX 79902
Orix Corp 10 percent owner WORLD TRADE CENTER BLDG., SOUTH TOWER, 2-4-1 HAMAMATSU-CHO, MINATO-KU, TOKYO M0 105 5135
Orec Investment Holdings, Llc 10 percent owner 2001 ROSS AVENUE, SUITE 1900, DALLAS TX 75201
Hunt Capital Holdings Investments, Llc 10 percent owner 4401 NORTH MESA STREET, EL PASO TX 79902
Hunt Companies Equity Holdings, Llc 10 percent owner 230 PARK AVENUE, 19TH FLOOR, NEW YORK NY 10169
Hunt Company, Llc 10 percent owner 9120 DOUBLE DIAMOND PARKWAY, RENO NV 89521
Hb Gp, Llc 10 percent owner 4401 NORTH MESA, EL PASO TX 79902
Hunt Elp, Ltd. 10 percent owner 4401 NORTH MESA, EL PASO TX 79902
Woody L Hunt 10 percent owner 4401 NORTH MESA, EL PASO TX 79902

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