SFSB (SFBI) Selling, General, & Admin. Expense: $2.43 Mil (TTM As of Mar. 2009)

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Director of Data and Quant Analytics at GuruFocus
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What is SFSB Selling, General, & Admin. Expense?

SFSB SFBI Selling, General, & Admin. Expense is $2.43 Mil as of Mar. 2009.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. SFSB's selling, general, & admin. expense for the three months ended in Mar. 2009 was $0.65 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2009 was $2.43 Mil.


SFSB  (OTCPK:SFBI) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


SFSB Selling, General, & Admin. Expense Related Terms


SFSB Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for SFSB's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart

SFSB Annual Data
Trend Dec04 Dec05 Dec06 Dec07 Dec08
Selling, General, & Admin. Expense
1.65 1.96 1.92 1.93 2.32

SFSB Quarterly Data
Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09
Selling, General, & Admin. Expense 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 0.54 0.53 0.55 0.70 0.65

SFBI vs CARV, SNNY, NWBB: Selling, General, & Admin. Expense Comparison

For the Banks - Regional subindustry, SFSB's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, SFSB's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where SFSB's Selling, General, & Admin. Expense falls into.



SFSB Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2009 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.43 Mil.

* 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.

What does a Selling, General, & Admin. Expense of $2.43 Mil mean?
SFSB (SFBI) has a Selling, General, & Admin. Expense of $2.43 Mil as of Mar. 2009. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on SFSB and its competitors.
Is SFSB's Selling, General, & Admin. Expense too high?
SFSB's current Selling, General, & Admin. Expense is $2.43 Mil.
How does SFSB's Selling, General, & Admin. Expense compare to CARV and SNNY?
SFSB's Selling, General, & Admin. Expense of $2.43 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on SFSB and its competitors. SFSB's current Selling, General, & Admin. Expense is $2.43 Mil. 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 Selling, General, & Admin. Expense of $2.43 Mil. The current Selling, General, & Admin. Expense is $2.43 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For SFSB (SFBI), the current Selling, General, & Admin. Expense is $2.43 Mil 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.