SFSB (SFBI) Pretax Margin %: -7.42% (As of Mar. 2009)

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What is SFSB Pretax Margin %?

SFSB SFBI Pretax Margin % is -7.42% as of Mar. 2009.

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. SFSB's Pre-Tax Income for the three months ended in Mar. 2009 was $-0.09 Mil. SFSB's Revenue for the three months ended in Mar. 2009 was $1.20 Mil. Therefore, SFSB's pretax margin for the quarter that ended in Mar. 2009 was -7.42%.

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


SFBI's Pretax Margin % is not ranked *
in the Banks industry.
Industry Median: 35.2
* Ranked among companies with meaningful Pretax Margin % only.

SFSB  (OTCPK:SFBI) 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.


SFSB Pretax Margin % Related Terms


SFSB Pretax Margin % Historical Data

* Premium members only.

The historical data trend for SFSB'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.

SFSB Pretax Margin % Chart

SFSB Annual Data
Trend Dec04 Dec05 Dec06 Dec07 Dec08
Pretax Margin %
13.13 9.64 1.10 4.88 -42.00

SFSB Quarterly Data
Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09
Pretax 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 6.71 21.65 302.83 -25.22 -7.42

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

For the Banks - Regional subindustry, SFSB'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.


SFSB Pretax Margin % vs Banks Industry

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

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



SFSB 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.

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

Pretax Margin=Pre-Tax Income (A: Dec. 2008 )/Revenue (A: Dec. 2008 )
=-1.923/4.579
=-42.00 %

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

Pretax Margin=Pre-Tax Income (Q: Mar. 2009 )/Revenue (Q: Mar. 2009 )
=-0.089/1.2
=-7.42 %

* 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 Pretax Margin % →
What does a Pretax Margin % of -7.42% mean?
SFSB (SFBI) has a Pretax Margin % of -7.42% as of Mar. 2009. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SFSB and its competitors.
Is SFSB's Pretax Margin % too high?
SFSB's current Pretax Margin % is -7.42%.
How does SFSB's Pretax Margin % compare to CARV and SNNY?
SFSB's Pretax Margin % of -7.42% can be compared against companies in the Banks industry. The industry median Pretax Margin % is 35.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.20, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SFSB and its competitors. For the Banks industry, the median Pretax Margin % is 35.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SFSB's current Pretax Margin % is -7.42%. 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 Pretax Margin % of -7.42%. The current Pretax Margin % is -7.42%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For SFSB (SFBI), the current Pretax Margin % is -7.42% 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.