International Business Machines (XSGO:IBM) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XSGO:IBM International Business Machines Corp XSGO:IBM
67 GF Score
Price $213.35
GF Value $239.96
Valuation Modestly Undervalued
! 1 Warning Sign
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What is International Business Machines Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

XSGO:IBM
67GF Score
International Business Machines Corp XSGO:IBM
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is International Business Machines (XSGO:IBM) Overvalued in 2026?

Based on GuruFocus' analysis, International Business Machines stock appears to be undervalued. The current stock price of $213.35 is trading 11.1% below its estimated GF Value™ of $239.96. GuruFocus considers International Business Machines to be Modestly Undervalued.

Key valuation signals for XSGO:IBM:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: $239.96 vs. price of $213.35 (11.1% below fair value)
  • GF Score™: 67/100 with 1 warning sign

No single metric tells the full story. See the XSGO:IBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

International Business Machines Business Description

Address One New Orchard Road, Armonk, NY, USA, 10504
Incorporated in 1911, International Business Machines, or IBM, is one of the oldest technology companies in the world. It provides software, IT consulting services, and hardware to help business customers modernize their technology workflows. IBM operates in 175 countries and employs approximately 300,000 people. The company has a robust roster of business partners to service its clients, which includes 95% of all Fortune 500 companies. IBM's products, including Red Hat, watsonx, and mainframes, handle some of the world's most important data workloads in areas like finance and retail.
67GF Score

Get the complete analysis for XSGO:IBM

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$213.35
Price
$239.96
GF Value