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 17.73% is 48% below its 5-year average of 34.23%, near the low end of its 5-year range (6.07%–51.20%).
9.20% below its 12-month average of 19.53%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 6.07%.
OPERATING MARGIN
17.73%
OPERATING MARGIN AVG TTM
19.53%
OPERATING MARGIN AVG 3Y
30.75%
OPERATING MARGIN AVG 5Y
34.23%
OPERATING MARGIN AVG 10Y
23.39%
OPERATING MARGIN AVG 15Y
5.25%
OPERATING MARGIN AVG 20Y
2.30%
CURRENT VS TTM AVG
-9.20%
CURRENT VS 3Y AVG
-42.34%
CURRENT VS 5Y AVG
-48.21%
CURRENT VS 10Y AVG
-24.20%
CURRENT VS 15Y AVG
+238.01%
CURRENT VS 20Y AVG
+671.18%
SECTOR MEDIAN · FINANCIAL SERVICES
17.85%
median of 499 covered companies
CURRENT VS SECTOR MEDIAN
-0.67%
vs the sector median at left
Atlanticus Holdings Corporation
Market Cap
$1.41B
Operating Margin
17.73%
TTM Avg
19.53%
3Y Avg
30.75%
5Y Avg
34.23%
Market Cap
$1.40B
Operating Margin
27.12%
TTM Avg
19.78%
3Y Avg
24.01%
5Y Avg
25.57%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
Market Cap
$1.43B
Operating Margin
31.03%
TTM Avg
32.09%
3Y Avg
33.68%
5Y Avg
32.71%
Market Cap
$1.46B
Operating Margin
31.81%
TTM Avg
27.88%
3Y Avg
32.07%
5Y Avg
37.20%
Market Cap
$1.47B
Operating Margin
76.87%
TTM Avg
62.67%
3Y Avg
56.33%
5Y Avg
57.90%
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%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Atlanticus Holdings Corporation (ATLC) | $1.41B | 17.73% | 19.53% | 30.75% | 34.23% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 27.12% | 19.78% | 24.01% | 25.57% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 31.03% | 32.09% | 33.68% | 32.71% |
| Lakeland Financial Corporation (LKFN)vs › | $1.46B | 31.81% | 27.88% | 32.07% | 37.20% |
| Capital Southwest Corporation (CSWC)vs › | $1.47B | 76.87% | 62.67% | 56.33% | 57.90% |
| 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% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.55B | -56.74% | 26.01% | -306.25% | -206.83% |
Operating Margin
17.7%
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 | 6.07% |
| 2026-03-31 | 26.72% |
| 2025-12-31 | 18.66% |
| 2025-09-30 | 18.16% |
| 2025-06-30 | 28.02% |
| 2025-03-31 | 30.35% |
| 2024-12-31 | 29.89% |
| 2024-09-30 | 31.22% |
| 2024-06-30 | 28.02% |
| 2024-03-31 | 31.34% |
| 2023-12-31 | 31.20% |
| 2023-09-30 | 34.83% |
| 2023-06-30 | 35.89% |
| 2023-03-31 | 39.23% |
| 2022-12-31 | 35.92% |
| 2022-09-30 | 43.90% |
| 2022-06-30 | 42.76% |
| 2022-03-31 | 36.72% |
| 2021-12-31 | 51.20% |
| 2021-09-30 | 45.94% |
| 2021-06-30 | 44.65% |
| 2021-03-31 | 51.87% |
| 2020-12-31 | 35.51% |
| 2020-09-30 | 50.34% |
| 2020-06-30 | 29.73% |
| 2020-03-31 | 6.07% |
| 2019-12-31 | 1.41% |
| 2019-09-30 | 15.18% |
| 2019-06-30 | 8.51% |
| 2019-03-31 | 8.67% |
| 2018-12-31 | 30.38% |
| 2018-09-30 | -37.41% |
| 2018-06-30 | 1.59% |
| 2018-03-31 | -13.49% |
| 2017-12-31 | -75.14% |
| 2017-09-30 | -54.86% |
| 2017-06-30 | -54.69% |
| 2017-03-31 | 5.89% |
| 2016-12-31 | -23.93% |
| 2016-09-30 | -75.90% |
| 2016-06-30 | 4.39% |
| 2016-03-31 | 25.46% |
| 2015-12-31 | -0.76% |
| 2015-09-30 | -1.90% |
| 2015-06-30 | 12.94% |
| 2015-03-31 | 5.96% |
| 2014-12-31 | -12.39% |
| 2014-09-30 | -14.77% |
| 2014-06-30 | -35.85% |
| 2014-03-31 | -21.14% |
| 2013-12-31 | -9.34% |
| 2013-09-30 | -24.03% |
| 2013-06-30 | -46.58% |
| 2013-03-31 | -7.18% |
| 2012-12-31 | -35.33% |
| 2012-09-30 | -59.24% |
| 2012-06-30 | -23.95% |
| 2012-03-31 | -13.19% |
| 2011-12-31 | -8.54% |
| 2011-09-30 | -7.83% |
| 2011-06-30 | -7.26% |
| 2011-03-31 | 50.16% |
| 2010-12-31 | -10.49% |
| 2010-09-30 | -6.26% |
| 2010-06-30 | -91.98% |
| 2010-03-31 | -76.25% |
| 2009-12-31 | -225.56% |
| 2009-09-30 | 213.30% |
| 2009-06-30 | 311.14% |
| 2009-03-31 | 402.50% |
| 2008-12-31 | -39.31% |
| 2008-09-30 | -38.05% |
| 2008-06-30 | -56.21% |
| 2008-03-31 | 5.60% |
| 2007-12-31 | 10.06% |
| 2007-09-30 | -17.78% |
| 2007-06-30 | -2.67% |
| 2007-03-31 | 1.04% |
| 2006-12-31 | 4.10% |
| 2006-09-30 | 17.01% |
| 2006-06-30 | 13.81% |
| 2006-03-31 | 16.55% |
| 2005-12-31 | 2.44% |
| 2005-09-30 | 33.20% |
| 2005-06-30 | 37.99% |
| 2005-03-31 | 36.72% |
| 2004-12-31 | 24.96% |
| 2004-09-30 | 32.93% |
| 2004-06-30 | 21.25% |
| 2004-03-31 | 29.00% |
| 2003-12-31 | 20.84% |
| 2003-09-30 | 50.94% |
| 2003-06-30 | 37.03% |
| 2003-03-31 | 47.31% |
| 2002-12-31 | 34.85% |
| 2002-09-30 | 36.75% |
