CTBK (City Bank) Net Margin %: -1,690.64% (As of Jun. 2009)


What is City Bank Net Margin %?

City Bank CTBK -99.00% Net Margin % is -1,690.64% as of Jun. 2009.

Net margin is calculated as Net Income divided by its Revenue. City Bank's Net Income for the three months ended in Jun. 2009 was $-22.76 Mil. City Bank's Revenue for the three months ended in Jun. 2009 was $1.35 Mil. Therefore, City Bank's net margin for the quarter that ended in Jun. 2009 was -1,690.64%.

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


CTBK's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 26.97
* Ranked among companies with meaningful Net Margin % only.

City Bank  (OTCPK:CTBK) 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.

City Bank Net Margin % Related Terms

City Bank Net Margin % Historical Data

* Premium members only.

The historical data trend for City Bank'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.

City Bank Net Margin % Chart

City Bank Annual Data
Trend Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 44.38 97.03 48.26 49.08 -99.43

City Bank Quarterly Data
Sep04 Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09
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 39.21 -67.21 -980.71 -180.40 -1,690.64

CTBK vs VSBN, FSBC, UWHR: Net Margin % Comparison

For the Banks - Regional subindustry, City Bank'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.

City Bank Net Margin % vs Banks Industry

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

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


City Bank 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.

City Bank'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 )
=-60.843/61.193
=-99.43 %

City Bank's Net Margin for the quarter that ended in Jun. 2009 is calculated as

Net Margin=Net Income (Q: Jun. 2009 )/Revenue (Q: Jun. 2009 )
=-22.756/1.346
=-1,690.64 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of -1,690.64% mean?
City Bank (CTBK) has a Net Margin % of -1,690.64% as of Jun. 2009. Net margin is the ratio of total net income to net sales. View historical data on City Bank and its competitors.
Is City Bank's Net Margin % too high?
City Bank's current Net Margin % is -1,690.64%.
How does City Bank's Net Margin % compare to VSBN and FSBC?
City Bank's Net Margin % of -1,690.64% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on City Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Bank's current Net Margin % is -1,690.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Bank stock overvalued right now?
City Bank (CTBK) has a current Net Margin % of -1,690.64%. The current Net Margin % is -1,690.64%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For City Bank (CTBK), the current Net Margin % is -1,690.64% as of Jun. 2009. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

City Bank Business Description

Address 5219 City Bank Parkway, Lubbock, TX, USA, 79407
City Bank is engaged in general commercial and retail banking, with an emphasis on small and medium-sized businesses, construction lending for single-family residences and home mortgage lending.