Elmer Bancorp (Elmer Bancorp) Net Margin % : 11.26% (As of Dec. 2007)

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What is Elmer Bancorp Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Elmer Bancorp's Net Income for the three months ended in Dec. 2007 was $0.29 Mil. Elmer Bancorp's Revenue for the three months ended in Dec. 2007 was $2.59 Mil. Therefore, Elmer Bancorp's net margin for the quarter that ended in Dec. 2007 was 11.26%.

The historical rank and industry rank for Elmer Bancorp's Net Margin % or its related term are showing as below:

ELMA's Net Margin % is not ranked ^*
in the Banks industry.
Industry Median: 25.32
* Ranked among companies with meaningful Net Margin % only.

Elmer Bancorp Net Margin % Historical Data

The historical data trend for Elmer Bancorp's Net Margin % 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.

Elmer Bancorp Net Margin % Chart

Elmer Bancorp Annual Data

Trend

Dec03

Dec04

Dec05

Dec06

Dec07

Net Margin %

22.30

20.74

21.55

21.89

16.32

Elmer Bancorp Quarterly Data
	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07
Net Margin %	Get a 7-Day Free Trial											13.51	20.62	17.34	16.26	11.26

Competitive Comparison of Elmer Bancorp's Net Margin %

For the Banks - Regional subindustry, Elmer Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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.

Elmer Bancorp's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Elmer Bancorp's Net Margin % distribution charts can be found below:

* The bar in red indicates where Elmer Bancorp's Net Margin % falls into.

Elmer Bancorp Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Elmer Bancorp's Net Margin for the fiscal year that ended in Dec. 2007 is calculated as

Net Margin	=	Net Income (A: Dec. 2007 )	/	Revenue (A: Dec. 2007 )
	=	1.681	/	10.301
	=	16.32 %

Elmer Bancorp's Net Margin for the quarter that ended in Dec. 2007 is calculated as

Net Margin	=	Net Income (Q: Dec. 2007 )	/	Revenue (Q: Dec. 2007 )
	=	0.292	/	2.593
	=	11.26 %

Elmer Bancorp (OTCPK:ELMA) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Elmer Bancorp Net Margin % Related Terms

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Elmer Bancorp (Elmer Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Elmer Bancorp Inc (OTCPK:ELMA) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

10 South Main Street, P. O. Box 980, Elmer, NJ, USA, 08318

Website

https://www.elmerbank.com

Elmer Bancorp Inc is a bank holding company incorporated in the State of New Jersey. Its First National Bank of Elmer (the Bank) operates under a national bank charter and provides a complete line of business and personal banking products. The Bank operates through its six full-service offices located in Cumberland, Gloucester and Salem counties in New Jersey. The majority of the Bank's activities are with customers located within Southern New Jersey.