Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 31.03% is in line with its 5-year average of 33.58%, near the low end of its 5-year range (27.79%–40.29%).
0.11% below its 12-month average of 31.06%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 36.01%.
OPERATING MARGIN
31.03%
OPERATING MARGIN AVG TTM
31.06%
OPERATING MARGIN AVG 3Y
32.23%
OPERATING MARGIN AVG 5Y
33.58%
OPERATING MARGIN AVG 10Y
31.53%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-0.11%
CURRENT VS 3Y AVG
-3.73%
CURRENT VS 5Y AVG
-7.58%
CURRENT VS 10Y AVG
-1.60%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
17.79%
median of 428 covered companies
CURRENT VS SECTOR MEDIAN
+74.42%
vs the sector median at left
Amalgamated Financial Corp.
Market Cap
$1.43B
Operating Margin
31.03%
TTM Avg
31.06%
3Y Avg
32.23%
5Y Avg
33.58%
Market Cap
$1.40B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.40B
Operating Margin
27.12%
TTM Avg
19.78%
3Y Avg
24.01%
5Y Avg
25.57%
Market Cap
$1.46B
Operating Margin
76.87%
TTM Avg
62.67%
3Y Avg
56.33%
5Y Avg
57.90%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
Market Cap
$1.32B
Operating Margin
25.12%
TTM Avg
24.23%
3Y Avg
25.88%
5Y Avg
26.66%
Market Cap
$1.32B
Operating Margin
31.83%
TTM Avg
34.89%
3Y Avg
36.04%
5Y Avg
37.07%
Market Cap
$1.53B
Operating Margin
18.07%
TTM Avg
18.51%
3Y Avg
26.12%
5Y Avg
31.29%
Market Cap
$1.55B
Operating Margin
26.21%
TTM Avg
32.61%
3Y Avg
31.26%
5Y Avg
29.92%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Amalgamated Financial Corp. (AMAL) | $1.43B | 31.03% | 31.06% | 32.23% | 33.58% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.40B | 17.73% | 26.41% | 31.96% | 34.24% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 27.12% | 19.78% | 24.01% | 25.57% |
| Capital Southwest Corporation (CSWC)vs › | $1.46B | 76.87% | 62.67% | 56.33% | 57.90% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 25.12% | 24.23% | 25.88% | 26.66% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 31.83% | 34.89% | 36.04% | 37.07% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.53B | 18.07% | 18.51% | 26.12% | 31.29% |
| Pathward Financial, Inc. (CASH)vs › | $1.55B | 26.21% | 32.61% | 31.26% | 29.92% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.56B | -56.74% | 26.01% | -306.25% | -206.83% |
Operating Margin
31.0%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 36.01% |
| 2026-03-31 | 27.79% |
| 2025-12-31 | 28.88% |
| 2025-09-30 | 31.05% |
| 2025-06-30 | 31.59% |
| 2025-03-31 | 31.69% |
| 2024-12-31 | 30.63% |
| 2024-09-30 | 33.96% |
| 2024-06-30 | 32.59% |
| 2024-03-31 | 36.66% |
| 2023-12-31 | 34.62% |
| 2023-09-30 | 31.96% |
| 2023-06-30 | 31.57% |
| 2023-03-31 | 32.12% |
| 2022-12-31 | 37.50% |
| 2022-09-30 | 40.29% |
| 2022-06-30 | 39.80% |
| 2022-03-31 | 33.25% |
| 2021-12-31 | 37.64% |
| 2021-09-30 | 37.19% |
| 2021-06-30 | 28.31% |
| 2021-03-31 | 31.92% |
| 2020-12-31 | 33.11% |
| 2020-09-30 | 30.02% |
| 2020-06-30 | 25.36% |
| 2020-03-31 | 22.42% |
| 2019-12-31 | 30.06% |
| 2019-09-30 | 33.28% |
| 2019-06-30 | 28.51% |
| 2019-03-31 | 27.37% |
| 2018-12-31 | 22.83% |
| 2018-09-30 | 25.16% |
| 2018-06-30 | 33.49% |
| 2018-03-31 | 23.53% |
| 2017-12-31 | 12.86% |
| 2017-09-30 | 16.39% |
| 2017-06-30 | 7.12% |
| 2017-03-31 | 17.52% |
