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University Bancorp Inc  (OTCPK:UNIB) Net Margin %: 7.49% (As of Dec. 2016)

Net margin is calculated as Net Income divided by its Revenue. University Bancorp Inc's Net Income for the six months ended in Dec. 2016 was $3.81 Mil. University Bancorp Inc's Revenue for the six months ended in Dec. 2016 was $50.79 Mil. Therefore, University Bancorp Inc's net margin for the quarter that ended in Dec. 2016 was 7.49%.

OTCPK:UNIB' s Net Margin % Range Over the Past 10 Years
Min: -10.12   Max: 24.22
Current: 7.49

-10.12
24.22

OTCPK:UNIB's Net Margin % is ranked lower than
88% of the 1650 Companies
in the Global industry.

( Industry Median: 22.99 vs. OTCPK:UNIB: 7.49 )

Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

* Premium members only.

University Bancorp Inc Annual Data

Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16
Net Margin % Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.64 4.73 1.72 7.21 7.49

University Bancorp Inc Semi-Annual Data

Dec92 Dec93 Dec94 Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16
Net Margin % 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 Premium Member Only Premium Member Only Premium Member Only 6.64 4.73 1.72 7.21 7.49

Competitive Comparison
* 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.


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.

University Bancorp Inc's Net Margin for the fiscal year that ended in Dec. 2016 is calculated as

Net Margin=Net Income (A: Dec. 2016 )/Revenue (A: Dec. 2016 )
=3.806/50.788
=7.49 %

University Bancorp Inc's Net Margin for the quarter that ended in Dec. 2016 is calculated as

Net Margin=Net Income (Q: Dec. 2016 )/Revenue (Q: Dec. 2016 )
=3.806/50.788
=7.49 %

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's 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.


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