SFSB (SFBI) OCF Margin %: -11.08% (As of Mar. 2009)


What is SFSB OCF Margin %?

SFSB SFBI OCF Margin % is -11.08% as of Mar. 2009.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. SFSB's Cash Flow from Operations for the three months ended in Mar. 2009 was $-0.13 Mil. SFSB's Revenue for the three months ended in Mar. 2009 was $1.20 Mil. Therefore, SFSB's OCF Margin % for the quarter that ended in Mar. 2009 was -11.08%.

As of today, SFSB's current OCF Yield % is -592,400.00%.

The historical rank and industry rank for SFSB's OCF Margin % or its related term are showing as below:

SFBI' s OCF Margin % Range Over the Past 10 Years
Min: 0   Med: 0   Max: 0
Current: 1.54

SFBI's OCF Margin % is not ranked
in the Banks industry.
Industry Median: 29.44 vs SFBI: 1.54

SFSB OCF Margin % Related Terms

SFSB OCF Margin % Historical Data

* Premium members only.

The historical data trend for SFSB's OCF 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.

SFSB OCF Margin % Chart

SFSB Annual Data
Trend Dec04 Dec05 Dec06 Dec07 Dec08
OCF Margin %
29.72 6.95 16.64 40.82 -0.09

SFSB Quarterly Data
Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09
OCF 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 -21.44 10.04 -20.81 -0.41 -11.08

SFBI vs CARV, SNNY, NWBB: OCF Margin % Comparison

For the Banks - Regional subindustry, SFSB's OCF Margin %, along with its competitors' market caps and OCF 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.

SFSB OCF Margin % vs Banks Industry

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

* The bar in red indicates where SFSB's OCF Margin % falls into.


SFSB OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

SFSB's OCF Margin for the fiscal year that ended in Dec. 2008 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2008 )/Revenue (A: Dec. 2008 )
=-0.004/4.579
=-0.09 %

SFSB's OCF Margin for the quarter that ended in Mar. 2009 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2009 )/Revenue (Q: Mar. 2009 )
=-0.133/1.2
=-11.08 %

* 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 OCF Margin % →
What does a OCF Margin % of -11.08% mean?
SFSB (SFBI) has a OCF Margin % of -11.08% as of Mar. 2009. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SFSB and its competitors.
Is SFSB's OCF Margin % too high?
SFSB's current OCF Margin % is -11.08%.
How does SFSB's OCF Margin % compare to CARV and SNNY?
SFSB's OCF Margin % of -11.08% can be compared against companies in the Banks industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SFSB and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SFSB's current OCF Margin % is -11.08%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SFSB stock overvalued right now?
SFSB (SFBI) has a current OCF Margin % of -11.08%. The current OCF Margin % is -11.08%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For SFSB (SFBI), the current OCF Margin % is -11.08% as of Mar. 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.

SFSB Business Description

Address 1614 Churchville Road, Bel Air, MD, USA, 21015
SFSB Inc is a holding company engaged in the business of attracting deposits and investing those funds, together with funds generated from operations and borrowings in residential real estate & commercial mortgage loans.