Eastern Michigan Financial (Eastern Michigan Financial) Net Margin % : 22.96% (As of Dec. 2006)

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What is Eastern Michigan Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Eastern Michigan Financial's Net Income for the six months ended in Dec. 2006 was $2.32 Mil. Eastern Michigan Financial's Revenue for the six months ended in Dec. 2006 was $10.10 Mil. Therefore, Eastern Michigan Financial's net margin for the quarter that ended in Dec. 2006 was 22.96%.

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

EFIN's Net Margin % is not ranked ^*
in the Banks industry.
Industry Median: 25.26
* Ranked among companies with meaningful Net Margin % only.

Eastern Michigan Financial Net Margin % Historical Data

The historical data trend for Eastern Michigan 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.

* Premium members only.

Eastern Michigan Financial Net Margin % Chart

Eastern Michigan Financial Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Net Margin %

26.49

17.80

23.67

19.14

22.96

Eastern Michigan Financial Semi-Annual Data
	Dec02	Dec03	Dec04	Dec05	Dec06
Net Margin %	26.49	17.80	23.67	19.14	22.96

Competitive Comparison of Eastern Michigan Financial's Net Margin %

For the Banks - Regional subindustry, Eastern Michigan 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.

Eastern Michigan Financial's Net Margin % Distribution in the Banks Industry

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

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

Eastern Michigan 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.

Eastern Michigan Financial's Net Margin for the fiscal year that ended in Dec. 2006 is calculated as

Net Margin	=	Net Income (A: Dec. 2006 )	/	Revenue (A: Dec. 2006 )
	=	2.32	/	10.104
	=	22.96 %

Eastern Michigan Financial's Net Margin for the quarter that ended in Dec. 2006 is calculated as

Net Margin	=	Net Income (Q: Dec. 2006 )	/	Revenue (Q: Dec. 2006 )
	=	2.32	/	10.104
	=	22.96 %

Eastern Michigan Financial (OTCPK:EFIN) 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.

Eastern Michigan Financial Net Margin % Related Terms

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Eastern Michigan Financial (Eastern Michigan Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Eastern Michigan Financial Corp (OTCPK:EFIN) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

65 North Howard Avenue, Croswell, MI, USA, 48422

Website

https://www.emb.bank

Eastern Michigan Financial Corp is a bank holding company. The Company through its holding provides baking products and services including personal banking, business banking and lending including diversified loans. Personal banking includes debit and credit cards, mobile banking and deposit services where Business banking includes cash management and other business-related services. The portfolio segments include commercial and industrial, agricultural, real estate related industries, other commercial loans, residential real estate, consumer and other, and home equity.

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