CBM Bancorp, Inc. (CBMB) Margin Analysis

CBM Bancorp, Inc.

CBMB (OTC)

(%)

Models
CBM Bancorp, Inc. Margin Analysis

# --- Years and Quarters
assumptions.set({
    "timeseries": "annual",
    "data": {
        "#years": """
            4
        """,
        "#quarters": """
            8
        """,
    },
    "titles": {
        "#years": "Years",
        "#quarters": "Quarters",
    },
    "properties": {
        "width": "responsive",
        "title": "Years and Quarters",
        "id": "component-1",
        "bindTo": None
    },
    "descriptions": {
        "#years": r"""
The number of historical years used to render the annual chart and tables.
        """,
        "#quarters": r"""
The number of historical quarters used to render the quarterly chart and tables.
        """,
    }
})

# Render description block
model.render_description({
    "data": r"""
## Margin Analysis Report

Margins refer to the ratio between a financial report item and the revenue (example: Net Income Margin = Net Income / Revenue).

This analysis provides annual and quarterly sections for reporting key financial margins.
""",
    "properties": {
        "width": "responsive"
    }
})

# Render description block
model.render_description({
    "data": r"""
## Annual Section

The annual section uses annual data to calculate margins and growth rates.
""",
    "properties": {
        "width": "full"
    }
})

# --- Income Statement Margins
data.compute({
    "user:%revenueGrowthRate": """
        ( income:revenue / income:revenue:-1 ) - 1
    """,
    "user:%grossMargin": """
        income:grossProfit / income:revenue
    """,
    "user:%operatingMargin": """
        income:operatingIncome / income:revenue
    """,
    "user:%netMargin": """
        income:netIncome / income:revenue
    """,
}, forecast=0, timeseries="annual")

model.render_table({
    "timeseries": "annual",
    "data": {
        "income:revenue": "Revenue",
        "user:%revenueGrowthRate": "Revenue Growth Rate",
        "income:costOfRevenue": "Cost of Revenue",
        "income:grossProfit": "Gross Profit",
        "user:%grossMargin": "Gross Margin",
        "income:operatingIncome": "Operating Income",
        "user:%operatingMargin": "Operating Margin",
        "income:netIncome": "Net Income",
        "user:%netMargin": "Net Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Income Statement Margins",
        "order": "descending",
        "number_format": "M",
        "include_ltm": True,
        "display_averages": False,
        "width": "responsive"
    }
})

# --- Cash Flow Statement Margins
data.compute({
    "user:%cashFromOperatingActivitiesMargin": """
        flow:netCashProvidedByOperatingActivities / income:revenue
    """,
    "user:%freeCashFlowMargin": """
        flow:freeCashFlow / income:revenue
    """,
    "user:%depreciationAndAmortizationMargin": """
        flow:depreciationAndAmortization / income:revenue
    """,
    "user:%capitalExpenditureMargin": """
        flow:capitalExpenditure / income:revenue
    """,
}, forecast=0, timeseries="annual")

model.render_table({
    "timeseries": "annual",
    "data": {
        "income:revenue": "Revenue",
        "flow:netCashProvidedByOperatingActivities": "Cash from Operating Activities",
        "user:%cashFromOperatingActivitiesMargin": "Cash from Operating Activities Margin",
        "flow:freeCashFlow": "Free Cash Flow",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
        "flow:depreciationAndAmortization": "Depreciation and Amortization",
        "user:%depreciationAndAmortizationMargin": "Depreciation and Amortization Margin",
        "flow:capitalExpenditure": "Capital Expenditure",
        "user:%capitalExpenditureMargin": "Capital Expenditure Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Cash Flow Statement Margins",
        "order": "descending",
        "number_format": "M",
        "include_ltm": True,
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_chart({
    "timeseries": "annual",
    "data": {
        "user:%grossMargin": "Gross Margin",
        "user:%operatingMargin": "Operating Margin",
        "user:%netMargin": "Net Margin",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Annual Chart",
        "include_ltm": False,
        "set_editable": [],
        "hidden_keys": [],
        "bar_keys": ["user:%grossMargin", "user:%operatingMargin", "user:%netMargin", "user:%freeCashFlowMargin"],
        "width": "full"
    }
})

# Render description block
model.render_description({
    "data": r"""
## Quarterly Section

The quarterly section uses quarterly data to calculate margins and growth rates.
""",
    "properties": {
        "width": "full"
    }
})

model.render_table({
    "timeseries": "quarterly",
    "data": {
        "income:revenue": "Revenue",
        "user:%revenueGrowthRate": "Revenue Growth Rate",
        "income:costOfRevenue": "Cost of Revenue",
        "income:grossProfit": "Gross Profit",
        "user:%grossMargin": "Gross Margin",
        "income:operatingIncome": "Operating Income",
        "user:%operatingMargin": "Operating Margin",
        "income:netIncome": "Net Income",
        "user:%netMargin": "Net Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Income Statement Margins",
        "order": "descending",
        "number_format": "M",
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_table({
    "timeseries": "quarterly",
    "data": {
        "income:revenue": "Revenue",
        "flow:netCashProvidedByOperatingActivities": "Cash from Operating Activities",
        "user:%cashFromOperatingActivitiesMargin": "Cash from Operating Activities Margin",
        "flow:freeCashFlow": "Free Cash Flow",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
        "flow:depreciationAndAmortization": "Depreciation and Amortization",
        "user:%depreciationAndAmortizationMargin": "Depreciation and Amortization Margin",
        "flow:capitalExpenditure": "Capital Expenditure",
        "user:%capitalExpenditureMargin": "Capital Expenditure Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Cash Flow Statement Margins",
        "order": "descending",
        "number_format": "M",
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_chart({
    "timeseries": "quarterly",
    "data": {
        "user:%grossMargin": "Gross Margin",
        "user:%operatingMargin": "Operating Margin",
        "user:%netMargin": "Net Margin",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Quarterly Chart",
        "set_editable": [],
        "hidden_keys": [],
        "bar_keys": ["user:%grossMargin", "user:%operatingMargin", "user:%netMargin", "user:%freeCashFlowMargin"],
        "width": "full"
    }
})

Years and Quarters

Years Years The number of historical years used to render the annual chart and tables.	#
Quarters Quarters The number of historical quarters used to render the quarterly chart and tables.	#

Margin Analysis Report

Margins refer to the ratio between a financial report item and the revenue (example: Net Income Margin = Net Income / Revenue).

This analysis provides annual and quarterly sections for reporting key financial margins.

Annual Section

The annual section uses annual data to calculate margins and growth rates.

Income Statement Margins

Monetary values in USD amounts except #	LTM Mar 15	2020 Dec 31	2019 Dec 31	2018 Dec 31	2017 Dec 31
Revenue	8.61	8.86	8.23	7.31	6.94
Revenue Growth Rate	-2.84%	7.69%	12.62%	5.21%	14.83%
Cost of Revenue	0	0	0	0	0
Gross Profit	8.61	8.86	8.23	7.31	6.94
Gross Margin	100%	100%	100%	100%	100%
Operating Income	2.61	2.84	2.68	1.87	1.32
Operating Margin	30.37%	32.07%	32.57%	25.65%	18.99%
Net Income	0.864	0.943	0.908	0.673	0.001
Net Margin	10.04%	10.64%	11.03%	9.21%	0.014%

Cash Flow Statement Margins

Monetary values in USD amounts except #	LTM Mar 15	2020 Dec 31	2019 Dec 31	2018 Dec 31	2017 Dec 31
Revenue	8.61	8.86	8.23	7.31	6.94
Cash from Operating Activities	0.57	-2.39	0.534	2.49	0.454
Cash from Operating Activities Margin	6.62%	-26.93%	6.5%	34.14%	6.53%
Free Cash Flow	0.513	-2.46	0.47	2.29	0.245
Free Cash Flow Margin	5.96%	-27.72%	5.71%	31.37%	3.53%
Depreciation and Amortization	0.147	0.145	0.159	0.163	0.158
Depreciation and Amortization Margin	1.71%	1.64%	1.93%	2.24%	2.28%
Capital Expenditure	-0.057	-0.07	-0.065	-0.202	-0.208
Capital Expenditure Margin	-0.665%	-0.794%	-0.787%	-2.76%	-3%

Annual Chart

Monetary values in USD

{"sectionId": "section-chart-1", "sectionType": "chart", "title": "Annual Chart", "timeseries": "annual", "series": [{"label": "Gross Margin", "mappingKey": "user:%grossMargin", "data": [{"l": "2017", "x": "2017-12-31", "y": 100}, {"l": "2018", "x": "2018-12-31", "y": 100}, {"l": "2019", "x": "2019-12-31", "y": 100}, {"l": "2020", "x": "2020-12-31", "y": 100}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Operating Margin", "mappingKey": "user:%operatingMargin", "data": [{"l": "2017", "x": "2017-12-31", "y": 18.99}, {"l": "2018", "x": "2018-12-31", "y": 25.65}, {"l": "2019", "x": "2019-12-31", "y": 32.57}, {"l": "2020", "x": "2020-12-31", "y": 32.07}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Net Margin", "mappingKey": "user:%netMargin", "data": [{"l": "2017", "x": "2017-12-31", "y": 0.014}, {"l": "2018", "x": "2018-12-31", "y": 9.21}, {"l": "2019", "x": "2019-12-31", "y": 11.03}, {"l": "2020", "x": "2020-12-31", "y": 10.64}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Free Cash Flow Margin", "mappingKey": "user:%freeCashFlowMargin", "data": [{"l": "2017", "x": "2017-12-31", "y": 3.53}, {"l": "2018", "x": "2018-12-31", "y": 31.37}, {"l": "2019", "x": "2019-12-31", "y": 5.71}, {"l": "2020", "x": "2020-12-31", "y": -27.72}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}], "editableDates": {}, "properties": {"display_table": false}, "width": "full"}

Quarterly Section

The quarterly section uses quarterly data to calculate margins and growth rates.

Income Statement Margins

Monetary values in USD amounts except #	2021 (Q2) Jun 30	2021 (Q1) Mar 31	2020 (Q4) Dec 31	2020 (Q3) Sep 30	2020 (Q2) Jun 30	2020 (Q1) Mar 31
Revenue	2.08	2.01	2.33	2.19	2.2	2.14
Revenue Growth Rate	3.34%	-13.58%	6.58%	-0.738%	2.73%
Cost of Revenue	0	0	0	0	0	0
Gross Profit	2.08	2.01	2.33	2.19	2.2	2.14
Gross Margin	100%	100%	100%	100%	100%	100%
Operating Income	0.463	0.515	0.9	0.736	0.565	0.64
Operating Margin	22.24%	25.61%	38.64%	33.68%	25.68%	29.87%
Net Income	0.104	0.122	0.387	0.251	0.131	0.174
Net Margin	5.01%	6.05%	16.63%	11.48%	5.93%	8.11%

Cash Flow Statement Margins

Monetary values in USD amounts except #	2021 (Q2) Jun 30	2021 (Q1) Mar 31	2020 (Q4) Dec 31	2020 (Q3) Sep 30	2020 (Q2) Jun 30	2020 (Q1) Mar 31
Revenue	2.08	2.01	2.33	2.19	2.2	2.14
Cash from Operating Activities	2.28	0.66	-1.29	-1.07	0.429	-0.449
Cash from Operating Activities Margin	109.4%	32.8%	-55.52%	-49.06%	19.47%	-20.95%
Free Cash Flow	2.27	0.655	-1.32	-1.09	0.409	-0.451
Free Cash Flow Margin	109.2%	32.52%	-56.85%	-49.85%	18.56%	-21.04%
Depreciation and Amortization	0.037	0.037	0.037	0.036	0.036	0.037
Depreciation and Amortization Margin	1.78%	1.83%	1.59%	1.64%	1.63%	1.71%
Capital Expenditure	-0.003	-0.006	-0.031	-0.017	-0.02	-0.002
Capital Expenditure Margin	-0.161%	-0.278%	-1.33%	-0.795%	-0.912%	-0.093%

Quarterly Chart

Monetary values in USD

{"sectionId": "section-chart-2", "sectionType": "chart", "title": "Quarterly Chart", "timeseries": "quarterly", "series": [{"label": "Gross Margin", "mappingKey": "user:%grossMargin", "data": [{"l": "2020 (Q1)", "x": "2020-03-31", "y": 100}, {"l": "2020 (Q2)", "x": "2020-06-30", "y": 100}, {"l": "2020 (Q3)", "x": "2020-09-30", "y": 100}, {"l": "2020 (Q4)", "x": "2020-12-31", "y": 100}, {"l": "2021 (Q1)", "x": "2021-03-31", "y": 100}, {"l": "2021 (Q2)", "x": "2021-06-30", "y": 100}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Operating Margin", "mappingKey": "user:%operatingMargin", "data": [{"l": "2020 (Q1)", "x": "2020-03-31", "y": 29.87}, {"l": "2020 (Q2)", "x": "2020-06-30", "y": 25.68}, {"l": "2020 (Q3)", "x": "2020-09-30", "y": 33.68}, {"l": "2020 (Q4)", "x": "2020-12-31", "y": 38.64}, {"l": "2021 (Q1)", "x": "2021-03-31", "y": 25.61}, {"l": "2021 (Q2)", "x": "2021-06-30", "y": 22.24}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Net Margin", "mappingKey": "user:%netMargin", "data": [{"l": "2020 (Q1)", "x": "2020-03-31", "y": 8.11}, {"l": "2020 (Q2)", "x": "2020-06-30", "y": 5.93}, {"l": "2020 (Q3)", "x": "2020-09-30", "y": 11.48}, {"l": "2020 (Q4)", "x": "2020-12-31", "y": 16.63}, {"l": "2021 (Q1)", "x": "2021-03-31", "y": 6.05}, {"l": "2021 (Q2)", "x": "2021-06-30", "y": 5.01}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Free Cash Flow Margin", "mappingKey": "user:%freeCashFlowMargin", "data": [{"l": "2020 (Q1)", "x": "2020-03-31", "y": -21.04}, {"l": "2020 (Q2)", "x": "2020-06-30", "y": 18.56}, {"l": "2020 (Q3)", "x": "2020-09-30", "y": -49.85}, {"l": "2020 (Q4)", "x": "2020-12-31", "y": -56.85}, {"l": "2021 (Q1)", "x": "2021-03-31", "y": 32.52}, {"l": "2021 (Q2)", "x": "2021-06-30", "y": 109.2}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}], "editableDates": {}, "properties": {"display_table": false}, "width": "full"}