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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).
GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Piperndler Cos's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was $35 Mil. Piperndler Cos's average earning assets for the quarter that ended in Dec. 2024 was $652 Mil. Therefore, Piperndler Cos's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 5.41%.
The historical data trend for Piperndler Cos'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.
Piperndler Cos Annual Data | |||||||||||||||||||||
Trend | Dec15 | Dec16 | Dec17 | Dec18 | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | Dec24 | |||||||||||
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial |
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-0.24 | -0.79 | 1.95 | 2.62 | 4.16 |
Piperndler Cos Quarterly Data | ||||||||||||||||||||
Mar20 | Jun20 | Sep20 | Dec20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | Mar24 | Jun24 | Sep24 | Dec24 | |
Net Interest Margin (Bank Only) % | Get a 7-Day Free Trial |
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3.01 | 5.09 | 3.81 | 4.16 | 5.41 |
For the Capital Markets subindustry, Piperndler Cos'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.
For the Capital Markets industry and Financial Services sector, Piperndler Cos's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Piperndler Cos's Net Interest Margin (Bank Only) % falls into.
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).
Piperndler Cos's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2024 is calculated as
Net Interest Margin (Bank Only) % | (A: Dec. 2024 ) | |||||
= | (Interest Income + Interest Expense) | / | Average Earning Assets | |||
= | Net Interest Income (for Banks) | / | ( (Earning Assets (A: Dec. 2023 ) | + | Earning Assets (A: Dec. 2024 )) | / count ) |
= | 27.227 | / | ( (643.713 | + | 664.303) | / 2 ) |
= | 27.227 | / | 654.008 | |||
= | 4.16 % |
where
Earning Assets | (A: Dec. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 15.771 | + | 627.942 |
= | 643.713 |
Earning Assets | (A: Dec. 2024 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 45.526 | + | 618.777 |
= | 664.303 |
Piperndler Cos's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 is calculated as
Net Interest Margin (Bank Only) % | (Q: Dec. 2024 ) | |||||
= | (Interest Income + Interest Expense) | / | Average Earning Assets | |||
= | Net Interest Income (for Banks) | / | ( (Earning Assets (Q: Sep. 2024 ) | + | Earning Assets (Q: Dec. 2024 )) | / count ) |
= | 35.272 | / | ( (639.888 | + | 664.303) | / 2 ) |
= | 35.272 | / | 652.0955 | |||
= | 5.41 % |
where
Earning Assets | (Q: Sep. 2024 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 48.919 | + | 590.969 |
= | 639.888 |
Earning Assets | (Q: Dec. 2024 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 0 | + | 45.526 | + | 618.777 |
= | 664.303 |
* 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. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
Piperndler Cos (NYSE:PIPR) 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.
Thank you for viewing the detailed overview of Piperndler Cos's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.
Debbra L. Schoneman | officer: Chief Financial Officer | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
John W Geelan | officer: General Counsel | 800 NICOLLET MALL, SUITE 800, MINNEAPOLIS MN 55402 |
Jonathan J Doyle | director, officer: Hd of Financial Services Group | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
Philip Soran | director | 12982 VALLEY VIEW RD, EDEN PRAIRIE MN 55344 |
Chad R Abraham | officer: Co-Head Global IB and Cap Mkts | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
Robbin Mitchell | director | W56 N17000 RIDGEWOOD DRIVE, MENOMONEE FALLS WI 53051 |
Michael R Dillahunt | officer: Global Co-Head IB and Cap Mkts | 800 NICOLLET MALL, SUITE 900, MINNEAPOLIS MN 55402 |
R Scott Larue | officer: Co-Head Global IB and Cap Mkts | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
Brian R Sterling | director | 800 NICOLLET MALL, SUITE 900, MINNEAPOLIS MN 55402 |
Timothy L Carter | officer: Chief Accounting Officer | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
Victoria M Holt | director | PPG INDUSTRIES, INC., ONE PPG PLACE, PITTSBURGH PA 15272 |
James P Baker | officer: Global Co-Head IB and Cap Mkts | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
Schreier Thomas S Jr | director | C/O NORTHWEST AIRLINES, 1689 NONCONNAN BLVD, MEMPHIS TN 38132 |
Fairman Francis E Iv | officer: Head, Public Finance Services | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
Andrew S Duff | director, officer: Chairman and CEO | 800 NICOLLET MALL, MINNEAPOLIS MN 55402 |
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