Eastern Michigan Financial (Eastern Michigan Financial) Pretax Margin % : 32.45% (As of Dec. 2006)

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What is Eastern Michigan Financial Pretax Margin %?

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Eastern Michigan Financial's Pre-Tax Income for the six months ended in Dec. 2006 was $3.28 Mil. Eastern Michigan Financial's Revenue for the six months ended in Dec. 2006 was $10.10 Mil. Therefore, Eastern Michigan Financial's pretax margin for the quarter that ended in Dec. 2006 was 32.45%.

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

EFIN's Pretax Margin % is not ranked ^*
in the Banks industry.
Industry Median: 32.88
* Ranked among companies with meaningful Pretax Margin % only.

Eastern Michigan Financial Pretax Margin % Historical Data

The historical data trend for Eastern Michigan Financial's Pretax 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.

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Eastern Michigan Financial Pretax Margin % Chart

Eastern Michigan Financial Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Pretax Margin %

38.39

24.53

34.11

27.78

32.45

Eastern Michigan Financial Semi-Annual Data
	Dec02	Dec03	Dec04	Dec05	Dec06
Pretax Margin %	38.39	24.53	34.11	27.78	32.45

Competitive Comparison of Eastern Michigan Financial's Pretax Margin %

For the Banks - Regional subindustry, Eastern Michigan Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % Distribution in the Banks Industry

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

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

Eastern Michigan Financial Pretax Margin % Calculation

Pretax margin - also known as pretax profit margin is the ratio of Pretax Income divided by net sales or Revenue, usually presented in percent.

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

Pretax Margin	=	Pre-Tax Income (A: Dec. 2006 )	/	Revenue (A: Dec. 2006 )
	=	3.279	/	10.104
	=	32.45 %

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

Pretax Margin	=	Pre-Tax Income (Q: Dec. 2006 )	/	Revenue (Q: Dec. 2006 )
	=	3.279	/	10.104
	=	32.45 %

Eastern Michigan Financial (OTCPK:EFIN) Pretax Margin % Explanation

The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.

The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.

It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.

The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.

Eastern Michigan Financial Pretax 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 » Pretax 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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