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University Bancorp Inc (OTCPK:UNIB)
Net Margin
3.52% (As of Sep. 2008)

Net margin is calculated as net income divided by its revenue. University Bancorp Inc's net income for the three months ended in Sep. 2008 was $0.12 Mil. University Bancorp Inc's revenue for the three months ended in Sep. 2008 was $3.44 Mil. Therefore, University Bancorp Inc's net margin for the quarter that ended in Sep. 2008 was 3.52%.

UNIB' s 10-Year Net Margin Range
Min: 0   Max: 0
Current: 0

UNIB's Net Marginis ranked lower than
71% of the 1784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.58 vs. UNIB: 0.00 )

Definition

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

University Bancorp Inc'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 )
=0.645/0
= %

University Bancorp Inc's Net Margin for the quarter that ended in Sep. 2008 is calculated as

Net Margin=Net Income (Q: Sep. 2008 )/Revenue (Q: Sep. 2008 )
=0.121/3.442
=3.52 %

* All numbers are in millions except for per share data and ratio. All numbers are in their own currency.


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.


Related Terms

Net Income, Revenue, Cost of Goods Sold, Selling, General, & Admin. Expense, Research & Development, Depreciation, Depletion and Amortization, Interest Expense, Non-Recurring Items, Tax Expense


Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their own currency.

University Bancorp Inc Annual Data

Dec98Dec99Dec00Dec01Dec02Dec03Dec04Dec05Dec06Dec07
netmargin -6.06-25.00-23.52-5.393.121.20-10.1224.22-5.560.00

University Bancorp Inc Quarterly Data

Jun06Sep06Dec06Mar07Jun07Sep07Dec07Mar08Jun08Sep08
netmargin -13.42-7.36-2.677.3727.90-2.330.0011.153.053.52
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