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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. Stifel Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was $1,090 Mil. Stifel Financial's average earning assets for the quarter that ended in Dec. 2024 was $31,814 Mil. Therefore, Stifel Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 3.43%.
The historical data trend for Stifel Financial'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.
Stifel Financial 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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2.42 | 2.15 | 3.14 | 3.85 | 3.38 |
Stifel Financial 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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3.66 | 3.43 | 3.38 | 3.36 | 3.43 |
For the Capital Markets subindustry, Stifel Financial'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, Stifel Financial's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Stifel Financial'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).
Stifel Financial'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 ) |
= | 1035.098 | / | ( (29395.302 | + | 31920.647) | / 2 ) |
= | 1035.098 | / | 30657.9745 | |||
= | 3.38 % |
where
Earning Assets | (A: Dec. 2023 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 511.897 | + | 20413.29 | + | 8470.115 |
= | 29395.302 |
Earning Assets | (A: Dec. 2024 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 558.871 | + | 21992.972 | + | 9368.804 |
= | 31920.647 |
Stifel Financial'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 ) |
= | 1089.884 | / | ( (31707.251 | + | 31920.647) | / 2 ) |
= | 1089.884 | / | 31813.949 | |||
= | 3.43 % |
where
Earning Assets | (Q: Sep. 2024 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 694.586 | + | 21336.235 | + | 9676.43 |
= | 31707.251 |
Earning Assets | (Q: Dec. 2024 ) | ||||
= | Money Market Investments | + | Net Loan | + | Securities & Investments |
= | 558.871 | + | 21992.972 | + | 9368.804 |
= | 31920.647 |
* 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.
Stifel Financial (NYSE:SF) 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 Stifel Financial's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.
Thomas W Weisel | director | |
Victor Nesi | director, officer: Director | 650 MADISON AVENUE, 19TH FLOOR, NEW YORK NY 10022 |
David D Sliney | officer: Dir Strategic Planning & Tech, other: Dir Strategic Planning & Tech | 501 NORTH BROADWAY, ST LOUIS MO 63102 |
David A Peacock | director | 190 CARONDELET PLAZA, CLAYTON MO 63105 |
Thomas B. Michaud | director | C/O KBW, INC., 787 SEVENTH AVENUE, NEW YORK NY 10019 |
Mark P Fisher | officer: SENIOR VP & GENERAL COUNSEL | C/O THOMAS WEISEL PARTNERS GROUP, INC., ONE MONTGOMERY STREET, SUITE 3700, SAN FRANCISCO CA 94104 |
Christopher K Reichert | officer: CEO of Stifel Bank & Trust | C/O PULASKI FINANCIAL CORP, 12300 OLIVE BLVD, ST LOUIS MO 63141 |
Lisa Landau Carnoy | director | 501 NORTH BROADWAY, ST. LOUIS MO 63102 |
Maryam S. Brown | director | 555 W. 5TH STREET, LOS ANGELES CA 90013 |
James M Zemlyak | officer: CHIEF FIN'L & ADMIN OFFCR | 501 NORTH BROADWAY, ST LOUIS MO 63102 |
Ronald J Kruszewski | director, officer: CHIEF EXECUTIVE OFFICER | 501 NORTH BROADWAY, ST LOUIS MO 63102 |
James P. Kavanaugh | director | 501 NORTH BROADWAY, ST. LOUIS MO 63102 |
James M Oates | director | C/O INVESTORS FINANCIAL SERVICES CORP, 200 CLARENDON ST, BOSTON MA 02116 |
Robert Edward Grady | director | 555 CALIFORNIA STREET, SUITE 3450, SAN FRANCISCO CA 94104 |
John P Dubinsky | director | C/O INSITUFORM TECHNOLOGIES, INC., 17988 EDISON AVENUE, CHESTERFIELD MO 63005 |
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