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River Valley Community Bancorp (River Valley Community Bancorp) Net Margin % : 3.32% (As of Sep. 2007)


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What is River Valley Community Bancorp Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. River Valley Community Bancorp's Net Income for the three months ended in Sep. 2007 was $0.02 Mil. River Valley Community Bancorp's Revenue for the three months ended in Sep. 2007 was $0.51 Mil. Therefore, River Valley Community Bancorp's net margin for the quarter that ended in Sep. 2007 was 3.32%.

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


RVCB's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 25.1
* Ranked among companies with meaningful Net Margin % only.

River Valley Community Bancorp Net Margin % Historical Data

The historical data trend for River Valley Community Bancorp'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.

River Valley Community Bancorp Net Margin % Chart

River Valley Community Bancorp Annual Data
Trend Dec06
Net Margin %
-27.11

River Valley Community Bancorp Quarterly Data
Mar07 Jun07 Sep07
Net Margin % -37.04 -18.81 3.32

Competitive Comparison of River Valley Community Bancorp's Net Margin %

For the Banks - Regional subindustry, River Valley Community Bancorp'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.


River Valley Community Bancorp's Net Margin % Distribution in the Banks Industry

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

* The bar in red indicates where River Valley Community Bancorp's Net Margin % falls into.



River Valley Community Bancorp 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.

River Valley Community Bancorp'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 )
=-0.209/0.771
=-27.11 %

River Valley Community Bancorp's Net Margin for the quarter that ended in Sep. 2007 is calculated as

Net Margin=Net Income (Q: Sep. 2007 )/Revenue (Q: Sep. 2007 )
=0.017/0.512
=3.32 %

* 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.


River Valley Community Bancorp  (OTCPK:RVCB) 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.


River Valley Community Bancorp Net Margin % Related Terms

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River Valley Community Bancorp (River Valley Community Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
1629 Colusa Avenue, Yuba City, CA, USA, 95993
River Valley Community Bancorp is headquartered in Yuba City, California. The bank offers various Personal Banking services, including checking accounts, savings accounts, and Certificates of Deposit. The Bank offers several commercial and consumer loans to fit its customer's specific needs. It also offers several cash management solutions aimed at meeting the specific needs of small to medium-sized businesses, professionals, and non-profit organizations.