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River Valley Bancorp (River Valley Bancorp) Net Margin % : 24.59% (As of Sep. 2015)


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What is River Valley Bancorp Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. River Valley Bancorp's Net Income for the three months ended in Sep. 2015 was $1.29 Mil. River Valley Bancorp's Revenue for the three months ended in Sep. 2015 was $5.23 Mil. Therefore, River Valley Bancorp's net margin for the quarter that ended in Sep. 2015 was 24.59%.

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


RIVR's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 25.03
* Ranked among companies with meaningful Net Margin % only.

River Valley Bancorp Net Margin % Historical Data

The historical data trend for River Valley 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.

River Valley Bancorp Net Margin % Chart

River Valley Bancorp Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.90 21.95 22.33 23.41 25.67

River Valley Bancorp Quarterly Data
Mar11 Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15
Net Margin % 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 26.44 26.38 28.32 24.59 23.28

Competitive Comparison of River Valley Bancorp's Net Margin %

For the Banks - Regional subindustry, River Valley 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.


River Valley Bancorp's Net Margin % Distribution in the Banks Industry

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

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



River Valley 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.

River Valley Bancorp's Net Margin for the fiscal year that ended in Dec. 2014 is calculated as

Net Margin=Net Income (A: Dec. 2014 )/Revenue (A: Dec. 2014 )
=4.788/20.457
=23.41 %

River Valley Bancorp's Net Margin for the quarter that ended in Sep. 2015 is calculated as

Net Margin=Net Income (Q: Sep. 2015 )/Revenue (Q: Sep. 2015 )
=1.287/5.234
=24.59 %

* 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.


River Valley Bancorp  (NAS:RIVR) 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.


River Valley Bancorp Net Margin % Related Terms

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River Valley Bancorp (River Valley Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
River Valley Bancorp, an Indiana corporation, was formed in 1996. The activities of the holding company have been limited mainly to holding the stock of River Valley Financial, which was organized in 1875 under the laws of the United States of America. River Valley Financial, which provides banking services in a single business segment, conducts operations from its 14 full-service office locations in southeastern Indiana and northern Kentucky. Its loan portfolio comprises of residential loans, multi-family loans, construction loans, nonresidential real estate loans, land loans, commercial loans, and consumer loans. The Bank underwrites fixed rate residential mortgage loan for potential sale to the FHLMC on a servicing-retained basis. Deposits are attracted through the offering of deposit instruments including fixed rate certificate of deposits, NOW, MMDAs and other transactional accounts, individual retirement accounts and savings accounts. The Bank is subject to examination, supervision and regulation by the Indiana Department of Financial Institutions, and the Federal Deposit Insurance Corporation. The Holding Company is a bank holding company, subject to oversight by the Board of Governors of the Federal Reserve System.
Executives
Lonnie D Collins director, officer: Secretary RIVER VALLEY BANCORP, 303 CLIFTY DR, MADISON IN 47250

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