SFSB (SFBI) Net Margin %

: -13.58% (As of Mar. 2009)

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Net margin is calculated as Net Income divided by its Revenue. SFSB's Net Income for the three months ended in Mar. 2009 was $-0.16 Mil. SFSB's Revenue for the three months ended in Mar. 2009 was $1.20 Mil. Therefore, SFSB's net margin for the quarter that ended in Mar. 2009 was -13.58%.

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

SFBI's Net Margin % is not ranked ^*
in the Banks industry.
Industry Median: 25.54
* Ranked among companies with meaningful Net Margin % only.

SFSB Net Margin % Historical Data

The historical data trend for SFSB'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.

SFSB Annual Data

Trend

Dec04

Dec05

Dec06

Dec07

Dec08

Net Margin %

7.67

5.75

0.46

2.78

-47.02

SFSB Quarterly Data
	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09
Net Margin %													4.27	12.29	317.98	-26.01	-13.58

Competitive Comparison

For the Banks - Regional subindustry, SFSB'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.

SFSB Net Margin % Distribution

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

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

SFSB 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.

SFSB's Net Margin for the fiscal year that ended in Dec. 2008 is calculated as

Net Margin	=	Net Income (A: Dec. 2008 )	/	Revenue (A: Dec. 2008 )
	=	-2.153	/	4.579
	=	-47.02 %

SFSB's Net Margin for the quarter that ended in Mar. 2009 is calculated as

Net Margin	=	Net Income (Q: Mar. 2009 )	/	Revenue (Q: Mar. 2009 )
	=	-0.163	/	1.2
	=	-13.58 %

SFSB (OTCPK:SFBI) 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.

SFSB Net Margin % Related Terms

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SFSB (SFBI) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » SFSB Inc (OTCPK:SFBI) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

1614 Churchville Road, Bel Air, MD, USA, 21015

Website

http://www.slavie.com

SFSB Inc is a holding company engaged in the business of attracting deposits and investing those funds, together with funds generated from operations and borrowings in residential real estate & commercial mortgage loans.

SFSB (SFBI) Headlines

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