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 15.71% is 24% below its 5-year average of 20.56%, near the low end of its 5-year range (-3.55%–84.54%).
54.19% below its 12-month average of 34.29%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 41.27%.
OPERATING MARGIN
15.71%
OPERATING MARGIN AVG TTM
34.29%
OPERATING MARGIN AVG 3Y
13.53%
OPERATING MARGIN AVG 5Y
20.56%
OPERATING MARGIN AVG 10Y
17.41%
OPERATING MARGIN AVG 15Y
20.60%
OPERATING MARGIN AVG 20Y
20.09%
CURRENT VS TTM AVG
-54.19%
CURRENT VS 3Y AVG
+16.08%
CURRENT VS 5Y AVG
-23.60%
CURRENT VS 10Y AVG
-9.76%
CURRENT VS 15Y AVG
-23.75%
CURRENT VS 20Y AVG
-21.78%
SECTOR MEDIAN · FINANCIAL SERVICES
17.79%
median of 464 covered companies
CURRENT VS SECTOR MEDIAN
-11.69%
vs the sector median at left
Carter Bankshares, Inc.
Market Cap
$681.93M
Operating Margin
15.71%
TTM Avg
34.29%
3Y Avg
13.53%
5Y Avg
20.56%
Market Cap
$685.03M
Operating Margin
25.27%
TTM Avg
22.25%
3Y Avg
27.11%
5Y Avg
30.41%
Market Cap
$675.19M
Operating Margin
9.10%
TTM Avg
8.14%
3Y Avg
4.10%
5Y Avg
4.71%
Market Cap
$670.64M
Operating Margin
315.85%
TTM Avg
194.26%
3Y Avg
136.11%
5Y Avg
119.24%
Market Cap
$701.81M
Operating Margin
71.64%
TTM Avg
57.66%
3Y Avg
59.62%
5Y Avg
59.03%
Market Cap
$650.61M
Operating Margin
34.31%
TTM Avg
28.92%
3Y Avg
33.51%
5Y Avg
31.71%
Market Cap
$656.41M
Operating Margin
15.76%
TTM Avg
20.27%
3Y Avg
23.26%
5Y Avg
24.64%
Market Cap
$702.48M
Operating Margin
35.94%
TTM Avg
20.79%
3Y Avg
23.26%
5Y Avg
20.89%
Market Cap
$649.08M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Carter Bankshares, Inc. (CARE) | $681.93M | 15.71% | 34.29% | 13.53% | 20.56% |
| Farmers National Banc Corp. (FMNB)vs › | $685.03M | 25.27% | 22.25% | 27.11% | 30.41% |
| Donegal Group Inc. (DGICA)vs › | $675.19M | 9.10% | 8.14% | 4.10% | 4.71% |
| Gladstone Investment Corporation (GAINI)vs › | $670.64M | 315.85% | 194.26% | 136.11% | 119.24% |
| MidCap Financial Investment Corporation (MFIC)vs › | $701.81M | 71.64% | 57.66% | 59.62% | 59.03% |
| ACNB Corporation (ACNB)vs › | $650.61M | 34.31% | 28.92% | 33.51% | 31.71% |
| Capital Bancorp, Inc. (CBNK)vs › | $656.41M | 15.76% | 20.27% | 23.26% | 24.64% |
| California BanCorp (BCAL)vs › | $702.48M | 35.94% | 20.79% | 23.26% | 20.89% |
| Drugs Made In America Acquisition II Corp. Ordinary Shares (DMII)vs › | $649.08M | 0.00% | 0.00% | 0.00% | 0.00% |
| CoinShares PLC Ordinary Shares (CSHR)vs › | $640.45M | 0.00% | 56.62% | 1053.89% | 243.66% |
Operating Margin
15.7%
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 | 41.27% |
| 2026-03-31 | 84.54% |
| 2025-12-31 | 17.18% |
| 2025-09-30 | 11.25% |
| 2025-06-30 | 17.24% |
| 2025-03-31 | 17.99% |
| 2024-12-31 | 17.54% |
| 2024-09-30 | 11.50% |
| 2024-06-30 | 9.99% |
| 2024-03-31 | 12.40% |
| 2023-12-31 | -3.55% |
| 2023-09-30 | 8.26% |
| 2023-06-30 | 12.00% |
| 2023-03-31 | 36.37% |
| 2022-12-31 | 36.09% |
| 2022-09-30 | 41.52% |
| 2022-06-30 | 30.00% |
| 2022-03-31 | 28.79% |
| 2021-12-31 | 18.46% |
| 2021-09-30 | 29.87% |
| 2021-06-30 | 17.07% |
| 2021-03-31 | 25.08% |
| 2020-12-31 | 7.91% |
| 2020-09-30 | -141.16% |
| 2020-06-30 | 9.55% |
| 2020-03-31 | 10.84% |
| 2019-12-31 | 8.68% |
| 2019-09-30 | 18.64% |
| 2019-06-30 | 19.21% |
| 2019-03-31 | 18.96% |
| 2018-12-31 | 8.99% |
| 2018-09-30 | -16.28% |
| 2018-06-30 | 21.77% |
| 2018-03-31 | 20.58% |
| 2017-12-31 | -45.70% |
| 2017-09-30 | -13.20% |
| 2017-06-30 | -11.65% |
| 2017-03-31 | 20.07% |
| 2016-12-31 | -26.00% |
| 2016-09-30 | 16.92% |
| 2016-06-30 | 21.43% |
| 2016-03-31 | 27.98% |
| 2015-12-31 | 32.58% |
| 2015-09-30 | 30.79% |
| 2015-06-30 | 29.11% |
| 2015-03-31 | 27.50% |
| 2014-12-31 | 28.69% |
| 2014-09-30 | 26.59% |
| 2014-06-30 | 27.96% |
| 2014-03-31 | 25.39% |
| 2013-12-31 | 23.29% |
| 2013-09-30 | 22.04% |
| 2013-06-30 | 20.36% |
| 2013-03-31 | 23.14% |
| 2012-12-31 | 21.06% |
| 2012-09-30 | 26.55% |
| 2012-06-30 | 24.27% |
| 2012-03-31 | 25.92% |
| 2007-09-30 | 11.28% |
| 2007-06-30 | 10.94% |
| 2007-03-31 | 11.02% |
