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', FSBW's net profit margin was 30.8%, measuring the overall profitability of the company. Industry average for Banks in '2021' stood at 22.9%.
• In '2022', FSBW's net profit margin was 24.8%, measuring the overall profitability of the company. The decline from '2021' may indicate some operational or financial challenges. Industry average for Banks in '2022' stood at 22.2%. Industry average declined by 0.7% from previous year.
• In '2023', FSBW's net profit margin was 25.5%, measuring the overall profitability of the company. The increase since '2022' reflects strengthening financial performance. Industry average for Banks in '2023' stood at 18.0%. Industry average declined by 4.2% from previous year.
• In '2024', FSBW's net profit margin was 24.7%, measuring the overall profitability of the company. The decline from '2023' may indicate some operational or financial challenges. Industry average for Banks in '2024' stood at 9.3%. Industry average declined by 8.8% from previous year.
Overall, FSBW'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.