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Malvern Bancorp (Malvern Bancorp) Net Interest Margin (Bank Only) % : 2.79% (As of Mar. 2023)


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What is Malvern Bancorp 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. Malvern Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2023 was $25.71 Mil. Malvern Bancorp's average earning assets for the quarter that ended in Mar. 2023 was $920.47 Mil. Therefore, Malvern Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2023 was 2.79%.


Malvern Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Malvern Bancorp'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.

Malvern Bancorp Net Interest Margin (Bank Only) % Chart

Malvern Bancorp Annual Data
Trend Sep13 Sep14 Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.87 2.80 2.46 2.63 2.98

Malvern Bancorp Quarterly Data
Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23
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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.92 3.11 3.35 3.28 2.79

Competitive Comparison of Malvern Bancorp's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Malvern Bancorp'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.


Malvern Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Malvern Bancorp 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).

Malvern Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2022 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2021 ) + Earning Assets (A: Sep. 2022 ))/ count )
=28.972/( (1014.776 + 932.723)/ 2 )
=28.972/973.7495
=2.98 %

where

Earning Assets(A: Sep. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=7.776 + 936.18 + 70.82
=1014.776

Earning Assets(A: Sep. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=7.104 + 815.634 + 109.985
=932.723

Malvern Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2022 ) + Earning Assets (Q: Mar. 2023 ))/ count )
=25.712/( (929.062 + 911.878)/ 2 )
=25.712/920.47
=2.79 %

where

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=7.06 + 812.094 + 109.908
=929.062

Earning Assets(Q: Mar. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=6.815 + 799.232 + 105.831
=911.878

* 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. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Malvern Bancorp  (NAS:MLVF) 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.


Malvern Bancorp Net Interest Margin (Bank Only) % Related Terms

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Malvern Bancorp (Malvern Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
42 East Lancaster Avenue, Paoli, PA, USA, 19301
Malvern Bancorp Inc operates several financial centers as well as an online banking site. The company provides checking and savings accounts, and in turn issues loans for commercial and residential real estate projects. Malvern's customer base consists of individual clients along with small and mid-sized businesses in the area.
Executives
Stephen P Scartozzi director MALVERN BANCORP, INC., 42 EAST LANCASTER AVENUE, PAOLI PA 19301
Cynthia F Leitzell director 42 E. LANCASTER AVE, PAOLI PA 19031
Norman Feinstein director 2901 BUTTERFIELD ROAD, OAK BROOK IL 60523
Andrew D. Fish director 93 WORTH STREET, SUITE 1005, NEW YORK PA 10013
Julia D Corelli director 42 E. LANCASTER AVE, PAOLI PA 19031
Howard Kent director 42 E. LANCASTER AVE, PAOLI PA 19031
James W Barrett director 42 E. LANCASTER AVE, PAOLI PA 19301
Anthony Weagley director, officer: President & CEO C/O CENTER BANCORP INC, 2455 MORRIS AVENUE, UNION NJ 07083
William Iii Woolworth officer: SVP & CRO 42 E. LANCASTER AVENUE, PAOLI PA 19301
William J Boylan officer: EVP & Chief Lending Officer 58 RIDGE DRIVE, MONTVILLE NJ 07045
Therese Woodman director MALVERN FEDERAL BANCORP INC., 42 EAST LANCASTER AVENUE, PAOLI PA 19301
Joseph D Gangemi officer: SVP & CFO 326 SEQUOIA COURT, HOWELL NJ 07731
George E Steinmetz director MALVERN FEDERAL BANCORP INC, 42 EAST LANCASTER AVENUE, PAOLI PA 19301
Mary Orlando officer: SZP & COO 42 E LANCASTER AVENUE, PAOLI PA 19301-1455
Justin Power officer: SZP & CLO 42 E LANCASTER AVENUE, PAOLI PA 19301-1455

Malvern Bancorp (Malvern Bancorp) Headlines

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