Mercantil Servicios Financieros Internacional (XPTY:MSFIB) Net Interest Margin (Bank Only) %: % (As of . 20)


What is Mercantil Servicios Financieros Internacional Net Interest Margin (Bank Only) %?

Mercantil Servicios Financieros Internacional XPTY:MSFIB Net Interest Margin (Bank Only) % is % as of . 20. The stock has 1 warning sign investors should review.

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. Mercantil Servicios Financieros Internacional's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was $ Mil. Mercantil Servicios Financieros Internacional's average earning assets for the quarter that ended in . 20 was $ Mil. Therefore, Mercantil Servicios Financieros Internacional's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.

Mercantil Servicios Financieros Internacional  (XPTY:MSFIB) 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.

Mercantil Servicios Financieros Internacional Net Interest Margin (Bank Only) % Related Terms

Mercantil Servicios Financieros Internacional Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Mercantil Servicios Financieros Internacional'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.

Mercantil Servicios Financieros Internacional Net Interest Margin (Bank Only) % Chart

Mercantil Servicios Financieros Internacional Annual Data
Trend
Net Interest Margin (Bank Only) %

Mercantil Servicios Financieros Internacional Semi-Annual Data
Net Interest Margin (Bank Only) %

XPTY:MSFIB vs : Net Interest Margin (Bank Only) % Comparison

For the Banks - Regional subindustry, Mercantil Servicios Financieros Internacional'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.

Mercantil Servicios Financieros Internacional Net Interest Margin (Bank Only) % vs Banks Industry

For the Banks industry and Financial Services sector, Mercantil Servicios Financieros Internacional's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Mercantil Servicios Financieros Internacional's Net Interest Margin (Bank Only) % falls into.


Mercantil Servicios Financieros Internacional 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).

Mercantil Servicios Financieros Internacional's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Mercantil Servicios Financieros Internacional's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* 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 one times the annual (. 20) 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 % mean?
Mercantil Servicios Financieros Internacional (XPTY:MSFIB) has a Net Interest Margin (Bank Only) % of % as of . 20. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Mercantil Servicios Financieros Internacional and its competitors.
Is Mercantil Servicios Financieros Internacional's Net Interest Margin (Bank Only) % too high?
Mercantil Servicios Financieros Internacional's current Net Interest Margin (Bank Only) % is %.
How does Mercantil Servicios Financieros Internacional's Net Interest Margin (Bank Only) % compare to ?
Mercantil Servicios Financieros Internacional's Net Interest Margin (Bank Only) % of % can be compared against companies in the Banks 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 Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks 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 Mercantil Servicios Financieros Internacional and its competitors. Mercantil Servicios Financieros Internacional's current Net Interest Margin (Bank Only) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercantil Servicios Financieros Internacional stock overvalued right now?
Mercantil Servicios Financieros Internacional (XPTY:MSFIB) has a current Net Interest Margin (Bank Only) % of %. The current Net Interest Margin (Bank Only) % is %. 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 Mercantil Servicios Financieros Internacional (XPTY:MSFIB), the current Net Interest Margin (Bank Only) % is % as of . 20. 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.

Mercantil Servicios Financieros Internacional Business Description

Comparable Companies
Other Exchanges MSFIA:Panama
Address 50th Street, Mercantil Tower, Obarrio, Bella Vista District, Panama, PAN
Mercantil Servicios Financieros Internacional SA is engaged in providing banking and related services. It also offers advice and asset management products ranging from securities brokerage, mutual funds, and portfolio management to trust services. The company is also involved in the business of insurance.