GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » SHF Holdings Inc (NAS:SHFS) » Definitions » Net Interest Margin (Bank Only) %

SHF Holdings (SHF Holdings) Net Interest Margin (Bank Only) % : 1,509.41% (As of Mar. 2024)


View and export this data going back to 2022. Start your Free Trial

What is SHF Holdings 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. SHF Holdings's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was $5.93 Mil. SHF Holdings's average earning assets for the quarter that ended in Mar. 2024 was $0.39 Mil. Therefore, SHF Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 1,509.41%.


SHF Holdings Net Interest Margin (Bank Only) % Historical Data

The historical data trend for SHF Holdings'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.

SHF Holdings Net Interest Margin (Bank Only) % Chart

SHF Holdings Annual Data
Trend Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
1.74 7.40 29.57 205.98

SHF Holdings Quarterly Data
Dec20 Mar21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 -83.29 339.76 709.53 1,604.50 1,509.41

Competitive Comparison of SHF Holdings's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, SHF Holdings'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.


SHF Holdings's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



SHF Holdings 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).

SHF Holdings'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 )
=1.859/( (1.411 + 0.394)/ 2 )
=1.859/0.9025
=205.98 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1.411 + 0
=1.411

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0.394 + 0
=0.394

SHF Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2023 ) + Earning Assets (Q: Mar. 2024 ))/ count )
=5.932/( (0.394 + 0.392)/ 2 )
=5.932/0.393
=1,509.41 %

where

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0.394 + 0
=0.394

Earning Assets(Q: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0.392 + 0
=0.392

* 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 (Mar. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


SHF Holdings  (NAS:SHFS) 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.


SHF Holdings Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of SHF Holdings's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


SHF Holdings (SHF Holdings) Business Description

Industry
Traded in Other Exchanges
N/A
Address
1526 Cole Boulevard, Suite 250, Golden, CO, USA, 80410
SHF Holdings Inc is a financial services provider to cannabis-related businesses. It offers reliable access to banking solutions for cannabis, hemp, CBD, and ancillary operators, making communities safer, driving growth in local economies, and fostering long-term partnerships. The group, through its financial institution clients, implements accountability, transparency, monitoring, reporting and risk mitigation measures while meeting Bank Secrecy Act obligations in line with FinCEN guidance on cannabis-related businesses. Its services include Program Management Support, Customer Lead Generation, Ongoing Program Auditing, and Compliance Monitoring among others.
Executives
Doug Fagan director 1526 COLE BLVD, SUITE 250, GOLDEN CO 80401
Sundie Seefried officer: Chief Executive Officer 5269 W. 62ND AVENUE, ARVADA CO 80003
Dan Roda officer: EVP / Chief Operating Officer 1526 COLE BLVD, SUITE 250, GOLDEN CO 80401
Jonathon Niehaus director 5269 W. 62ND AVENUE, ARVADA CO 80003
Jonathan Summers director 909 BANNOCK STREET, DENVER CO 80204
Donald Emmi officer: Chief Legal Officer 5269 W. 62ND AVENUE, ARVADA CO 80003
Richard Carleton director 5269 W. 62ND AVENUE, ARVADA CO 80003
John Darwin director 909 BANNOCK STREET, DENVER CO 80204
Jennifer Meyers director 5269 W. 62ND AVENUE, ARVADA CO 80003
Jim Dennedy officer: Chief Financial Officer 5269 W. 62ND AVENUE, ARVADA CO 80003
Partner Colorado Credit Union 10 percent owner 6221 SHERIDAN BLVD, ARVADA CO 80003
Karl Racine director 5269 W. 62ND AVENUE, ARVADA CO 80003
Tyler Beuerlein officer: Chief Business Develop Officer 5269 W. 62ND AVENUE, ARVADA CO 80003
Midtown East Management Nl Llc 10 percent owner ONE ROCKEFELLER PLAZA, 32ND FLOOR, NEW YORK NY 10020
Atalaya Special Purpose Investment Fund Ii Lp 10 percent owner C/O ATALAYA CAPITAL MANAGEMENT LP, ONE ROCKEFELLER PLAZA, 32ND FLOOR, NEW YORK NY 10020