Southeastern Bank Financial (Southeastern Bank Financial) Net Margin % : 24.66% (As of Sep. 2016)

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What is Southeastern Bank Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Southeastern Bank Financial's Net Income for the three months ended in Sep. 2016 was $4.77 Mil. Southeastern Bank Financial's Revenue for the three months ended in Sep. 2016 was $19.34 Mil. Therefore, Southeastern Bank Financial's net margin for the quarter that ended in Sep. 2016 was 24.66%.

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

SBFC's Net Margin % is not ranked ^*
in the Banks industry.
Industry Median: 25.33
* Ranked among companies with meaningful Net Margin % only.

Southeastern Bank Financial Net Margin % Historical Data

The historical data trend for Southeastern Bank Financial'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.

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Southeastern Bank Financial Net Margin % Chart

Southeastern Bank Financial Annual Data

Trend

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Net Margin %

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15.73

19.74

22.93

23.39

26.59

Southeastern Bank Financial Quarterly Data
	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16
Net Margin %	Get a 7-Day Free Trial															25.82	25.25	24.66	22.86	24.66

Competitive Comparison of Southeastern Bank Financial's Net Margin %

For the Banks - Regional subindustry, Southeastern Bank Financial'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.

Southeastern Bank Financial's Net Margin % Distribution in the Banks Industry

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

* The bar in red indicates where Southeastern Bank Financial's Net Margin % falls into.

Southeastern Bank Financial 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.

Southeastern Bank Financial's Net Margin for the fiscal year that ended in Dec. 2015 is calculated as

Net Margin	=	Net Income (A: Dec. 2015 )	/	Revenue (A: Dec. 2015 )
	=	19.395	/	72.945
	=	26.59 %

Southeastern Bank Financial's Net Margin for the quarter that ended in Sep. 2016 is calculated as

Net Margin	=	Net Income (Q: Sep. 2016 )	/	Revenue (Q: Sep. 2016 )
	=	4.771	/	19.344
	=	24.66 %

Southeastern Bank Financial (OTCPK:SBFC) 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.

Southeastern Bank Financial Net Margin % Related Terms

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Southeastern Bank Financial (Southeastern Bank Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Southeastern Bank Financial Corp (OTCPK:SBFC) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

https://www.georgiabankandtrust.com

Southeastern Bank Financial Corp was incorporated in Georgia in February 1992. It is a bank holding company. The Company is community oriented which along with its subsidiaries offers real estate, commercial and consumer loans and various deposit and other services to individuals, small to medium sized businesses and professionals in its market area. The Company offers a range of lending services, including real estate, commercial and consumer loans to individuals, small to medium-sized businesses and professionals that are located in, or conduct a substantial portion of its business in the its market area. The Company offers a variety of deposit programs to individuals and small to medium-sized businesses and other organizations at interest rates generally consistent with local market conditions. Its services include the origination of residential and commercial real estate loans, construction and development loans, and commercial and consumer loans. The Company also offers a variety of deposit programs, including noninterest-bearing demand, interest checking, money management, savings, and time deposits. The Company's main market area includes Richmond and Columbia Counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area "MSA". The Company competes as a financial intermediary with other commercial banks, savings and loan associations, credit unions, mortgage banking companies, consumer finance companies, securities brokerages, insurance companies, and money market mutual funds operating in Richmond, Columbia and Clarke Counties in Georgia, Aiken County in South Carolina and elsewhere.

Executives

Darrell R Rains

officer: Chief Financial Officer

P.O. BOX 15367, AUGUSTA GA 30909