Name: Net Profit Margin

Definition: Net profit margin shows how much profit remains after paying all costs — including operating expenses, interest, and taxes — for every dollar of sales. A higher margin means the business is efficient and keeps more of its sales as bottom-line profit. Falling margins may signal rising costs or pricing pressure.

Interpretation:
• In '2021', FFBC's net profit margin was 32.9%, measuring the overall profitability of the company. Industry average for Major Banks in '2021' stood at 33.0%.
• In '2022', FFBC's net profit margin was 30.7%, measuring the overall profitability of the company. The decline from '2021' may indicate some operational or financial challenges. Industry average for Major Banks in '2022' stood at 30.3%. Industry average declined by 2.7% from previous year.
• In '2023', FFBC's net profit margin was 30.4%, measuring the overall profitability of the company. The decline from '2022' may indicate some operational or financial challenges. Industry average for Major Banks in '2023' stood at 24.0%. Industry average declined by 6.3% from previous year.
• In '2024', FFBC's net profit margin was 27.4%, measuring the overall profitability of the company. The decline from '2023' may indicate some operational or financial challenges. Industry average for Major Banks in '2024' stood at 21.3%. Industry average declined by 2.7% from previous year.
Overall, FFBC's net profit margin has consistently declined during the past 4 years.

Formula: Net Profit Margin = Net Income / Revenue

Good Range: Ranges 5%-20% for many industries.