Margin Quotations | Page 2
Margin Quotes from:
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Banking Quotes
I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term. I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.
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Advertising Quotes
It is a positive move. Investors almost hated the e-commerce business because a it was low margin operation, ... What they like about Internet media companies is they get 80-to-90 percent margins on advertising and sponsorships agreements. Why bring it down by selling something that has no margins?
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Advised Quotes
I see an extremely promotional shopping environment. I've advised my retail clients to be super aggressive Thanksgiving weekend. Retailers don't want to do it from a margin perspective, but otherwise they won't see shoppers in stores. Consumers have less money to spend and they'll take their 'less money' elsewhere.
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Acquiring Quotes
Our gross margin forecast is 38.3 percent. However, we think this could be lighter as the company has been aggressive on acquiring components that have been in shortage and is paying up to do so. If gross margins are lighter than our forecast, we would not view it negatively and not as a deterioration in the product line.
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Ability Quotes
Our performance in both the quarter and for the year demonstrates that our business model is solid and predictable, and perhaps of more importance, that we have momentum moving into fiscal 2006. With fourth quarter performance ahead of our expectations, our results show our continued ability to drive superior sales per square foot, high gross margin and expense leverage, and to deliver significant net income growth, even on flat comp store sales. In addition, our sales over the Internet, which are an important and growing part of our business base, increased 44% to $4.0 million in the quarter, and for the year contributed $8.7 million to our sales.
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Both Quotes
Our solution provides a clear return on investment for TJX by identifying millions of dollars in previously undetected fraud risk. It enables The TJX Companies to reduce fraud and contribute to their bottom line. Not only is this a win-win for both of us, but for consumers as well. With margin pressures and stiff competition, shrinkage reduction is one of the few places that retailers can gain a competitive edge.
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Ability Quotes
Our UK business generated cash and effectively increased gross margin performance to 70 percent throughout 2005, while we continued execution of strategic initiatives to focus on our core business delivering converged IP services to multinational enterprises. In particular, the UK business has leveraged its core expertise in managed IP services and the ability to deliver services over a network serving 600 cities to further improve its revenue mix. Enterprise customers now account for 92 percent of revenues.
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Anticipate Quotes
Our outlook for 2006 is for operating earnings per share growth within our long-term goal of 12% to 15%, but at the lower end of the range due to the expected dilution related to the equity offering completed during the fourth quarter. We anticipate core loan growth will continue to be within our targeted range of 10% to 14%. Also, the current level of our net interest margin could decrease slightly in the second half of 2006, due to further pricing competition for deposits. Our outlook assumes a stable economic environment and continued strong credit quality.
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Actions Quotes
That being said, we are not satisfied with our recent performance and have responded by taking decisive actions to improve our results. We are implementing a comprehensive set of initiatives to drive revenues, maximize margin opportunities, further improve our operating efficiencies, cut costs and increase asset utilization. We expect this plan will help offset the continued revenue softness we are seeing and expect to continue to see in the near-term, and will contribute to the long-term success of the Company, which is our goal for stockholders, partners and associates alike.
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Across Quotes
Loan and deposit growth was strong across all markets. Total assets at year-end were $5.9 billion, a 15% increase from a year ago. Loans increased $144 million during the fourth quarter, or 14% on an annualized basis, and helped drive the increase in net interest revenue. Our net interest margin rose to 4.20%, up 15 basis points from a year ago and up three basis points from last quarter, as increasing short-term interest rates continued to positively affect our slightly asset-sensitive balance sheet. Fee revenue, excluding securities losses taken in the fourth quarter of 2005, was up 12%, reflecting increases in nearly every category.
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Almost Quotes
It feels very special to win, this being the first time I've ever won this tournament, ... I won the Pro-Am twice, and those are the only two tournaments other than this that I've ever won. So I was pretty nervous heading into the backside. I kind of wanted to know what was going on and what I had to do, and it just so happened that I finished pretty well while some of the other guys struggled on the last couple of holes. That's why the margin of victory was as much as it was. With two holes to play I only had a two-shot lead. So it was tight almost the whole way.
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Analysis Quotes
It is definitely trial and error. I guess we went through the same process when the cable industry first appeared, and later on with the wireless industry, but you see the Internet has really matured a lot over the last two years and I guess the trial and error, or the art portion, of the analysis is really declining -- though there's still a margin for error.
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Addition Quotes
The acquisition of Jungle Labs represents another meaningful step forward in our strategy of becoming a larger and more important supplier of specialty pet products. Jungle Labs has a strong track record of innovative product development and marketing in water and fish care and its line of products in this high growth, high margin niche complements our existing Tetra, Marineland, ASI and Perfecto aquatics product mix nicely. This acquisition will be a positive addition to Spectrum Brands' leading market share position in the global aquatics marketplace.
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Additional Quotes
We continue to obtain additional gross margin leverage primarily through our outsourcing and electronic payment infrastructures as well as other areas due to process improvement and revised procedures. Also positively impacting our gross margins is the continued decrease in hardware revenues as a percentage of total revenue.
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Again Quotes
We continue to be pleased with our asset/liability management performance which, in a challenging interest rate environment, again produced an increase in our net interest margin for the first quarter of 2006. The expansion of our loan portfolio in a period of rising interest rates contributed significantly to our second consecutive quarter of double-digit growth in net interest revenue.
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Beat Quotes
We got beat on the boards tonight, and that was the margin of difference -- 15 points. It looks worse than it really was. It was a pretty good game. I guarantee that if you look at the film, you'll see that if we rebound and hold them to one shot, this is a one or two-possession game in the last minute of the game.
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Area Quotes
We can show that there are differences in the profiles of chemicals that come from the tissue, and these tissue profiles can be used to diagnose a particular disease or determine how far the disease has progressed. We reported in a previous paper, and it is highlighted in the current article, that there are differences in profiles of chemical species from the tissue, indicating a diseased area and also the margin at which that diseased area is separated from the non-diseased area of the tissue.
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Advantage Quotes
We were just a little too casual. Just a little too casual on defense, not quite boxing out enough, not quite challenging the shooter. And the other teams were taking advantage of it. We have the talent to play with these teams, but when we don't bring our best it's not like we have a big margin for error. We just came back and took care of the little things.
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Analog Quotes
We remain committed to our gross margin improvement goals that have us reaching 30 percent in 2006 and mid-30 percent in 2007. Our focus in 2006 is on improving our product mix, delivering more new leadership analog and integrated power products while reducing our exposure to lower margin standard products.