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HCBN (HCB Financial) Net Margin % : 23.33% (As of Sep. 2024)


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What is HCB Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. HCB Financial's Net Income for the three months ended in Sep. 2024 was $1.17 Mil. HCB Financial's Revenue for the three months ended in Sep. 2024 was $5.02 Mil. Therefore, HCB Financial's net margin for the quarter that ended in Sep. 2024 was 23.33%.

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

HCBN' s Net Margin % Range Over the Past 10 Years
Min: 11.16   Med: 17.91   Max: 27.21
Current: 27.21


HCBN's Net Margin % is ranked better than
57.04% of 1534 companies
in the Banks industry
Industry Median: 24.915 vs HCBN: 27.21

HCB Financial Net Margin % Historical Data

The historical data trend for HCB 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.

HCB Financial Net Margin % Chart

HCB Financial Annual Data
Trend Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.34 18.48 16.44 19.46 25.14

HCB Financial Quarterly Data
Sep07 Dec17 Dec18 Dec19 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
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 24.78 27.72 28.46 29.14 23.33

Competitive Comparison of HCB Financial's Net Margin %

For the Banks - Regional subindustry, HCB 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.


HCB Financial's Net Margin % Distribution in the Banks Industry

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

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


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HCB 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.

HCB Financial's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=5.015/19.948
=25.14 %

HCB Financial's Net Margin for the quarter that ended in Sep. 2024 is calculated as

Net Margin=Net Income (Q: Sep. 2024 )/Revenue (Q: Sep. 2024 )
=1.17/5.015
=23.33 %

* 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.


HCB Financial  (OTCPK:HCBN) 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.


HCB Financial Net Margin % Related Terms

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HCB Financial Business Description

Traded in Other Exchanges
N/A
Address
150 West Court Street, Hastings, MI, USA, 49058
HCB Financial Corp is a commercial bank serving businesses and consumers. It operates six full-service banking offices and one loan production office in and around Barry County. The Bank offers a variety of deposit and lending services.

HCB Financial Headlines

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