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 23.26% is in line with its 5-year average of 24.92%, around the middle of its 5-year range (7.70%–37.16%).
4.17% above its 12-month average of 22.33%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 27.69%.
OPERATING MARGIN
23.26%
OPERATING MARGIN AVG TTM
22.33%
OPERATING MARGIN AVG 3Y
19.20%
OPERATING MARGIN AVG 5Y
24.92%
OPERATING MARGIN AVG 10Y
25.48%
OPERATING MARGIN AVG 15Y
26.96%
OPERATING MARGIN AVG 20Y
25.08%
CURRENT VS TTM AVG
+4.17%
CURRENT VS 3Y AVG
+21.17%
CURRENT VS 5Y AVG
-6.67%
CURRENT VS 10Y AVG
-8.71%
CURRENT VS 15Y AVG
-13.72%
CURRENT VS 20Y AVG
-7.27%
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 433 covered companies
CURRENT VS SECTOR MEDIAN
+31.19%
vs the sector median at left
CNB Financial Corporation
Market Cap
$1.02B
Operating Margin
23.26%
TTM Avg
22.33%
3Y Avg
19.20%
5Y Avg
24.92%
Market Cap
$1.02B
Operating Margin
40.57%
TTM Avg
42.26%
3Y Avg
43.91%
5Y Avg
40.41%
Market Cap
$1.01B
Operating Margin
22.15%
TTM Avg
20.15%
3Y Avg
22.44%
5Y Avg
23.89%
Market Cap
$1.01B
Operating Margin
23.26%
TTM Avg
19.54%
3Y Avg
23.37%
5Y Avg
24.70%
Market Cap
$1.05B
Operating Margin
34.63%
TTM Avg
31.64%
3Y Avg
37.73%
5Y Avg
41.59%
Market Cap
$1.05B
Operating Margin
N/A
TTM Avg
17.07%
3Y Avg
-1.23%
5Y Avg
9.10%
Market Cap
$1.06B
Operating Margin
20.66%
TTM Avg
24.88%
3Y Avg
24.89%
5Y Avg
20.51%
Market Cap
$987.59M
Operating Margin
-197.96%
TTM Avg
-92.85%
3Y Avg
-33.88%
5Y Avg
-10.53%
Market Cap
$963.80M
Operating Margin
25.61%
TTM Avg
22.41%
3Y Avg
25.80%
5Y Avg
30.73%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| CNB Financial Corporation (CCNEP) | $1.02B | 23.26% | 22.33% | 19.20% | 24.92% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.02B | 40.57% | 42.26% | 43.91% | 40.41% |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 22.15% | 20.15% | 22.44% | 23.89% |
| CNB Financial Corporation (CCNE)vs › | $1.01B | 23.26% | 19.54% | 23.37% | 24.70% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 34.63% | 31.64% | 37.73% | 41.59% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 17.07% | -1.23% | 9.10% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 20.66% | 24.88% | 24.89% | 20.51% |
| Horizon Bancorp, Inc. (HBNC)vs › | $987.59M | -197.96% | -92.85% | -33.88% | -10.53% |
| Camden National Corp. (CAC)vs › | $963.80M | 25.61% | 22.41% | 25.80% | 30.73% |
| Hanmi Financial Corporation (HAFC)vs › | $937.64M | 17.26% | 22.45% | 29.85% | 32.43% |
Operating Margin
23.3%
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 | 27.69% |
| 2026-03-31 | 20.65% |
| 2025-12-31 | 37.16% |
| 2025-09-30 | 7.70% |
| 2025-06-30 | 18.44% |
| 2025-03-31 | 15.99% |
| 2024-12-31 | 20.10% |
| 2024-09-30 | 18.59% |
| 2024-06-30 | 18.05% |
| 2024-03-31 | 18.01% |
| 2023-12-31 | 19.57% |
| 2023-09-30 | 20.85% |
| 2023-06-30 | 21.71% |
| 2023-03-31 | 27.87% |
| 2022-12-31 | 28.33% |
| 2022-09-30 | 33.32% |
| 2022-06-30 | 33.43% |
| 2022-03-31 | 34.14% |
| 2021-12-31 | 32.64% |
| 2021-09-30 | 34.65% |
| 2021-06-30 | 34.48% |
| 2021-03-31 | 33.62% |
| 2020-12-31 | 18.22% |
| 2020-09-30 | 20.21% |
| 2020-06-30 | 22.03% |
| 2020-03-31 | 23.59% |
| 2019-12-31 | 27.40% |
| 2019-09-30 | 27.66% |
| 2019-06-30 | 26.61% |
| 2019-03-31 | 27.11% |
| 2018-12-31 | 27.70% |
| 2018-09-30 | 27.86% |
| 2018-06-30 | 26.94% |
| 2018-03-31 | 24.61% |
| 2017-12-31 | 25.66% |
| 2017-09-30 | 29.27% |
| 2017-06-30 | 29.56% |
| 2017-03-31 | 29.31% |
| 2016-12-31 | 24.18% |
| 2016-09-30 | 30.12% |
| 2016-06-30 | 19.55% |
| 2016-03-31 | 26.61% |
| 2015-12-31 | 29.04% |
| 2015-09-30 | 29.48% |
| 2015-06-30 | 30.20% |
| 2015-03-31 | 30.93% |
| 2014-12-31 | 36.04% |
| 2014-09-30 | 30.96% |
| 2014-06-30 | 31.48% |
| 2014-03-31 | 29.24% |
| 2013-12-31 | 27.78% |
| 2013-09-30 | 32.38% |
| 2013-06-30 | 17.97% |
| 2013-03-31 | 29.89% |
| 2012-12-31 | 24.73% |
| 2012-09-30 | 31.43% |
| 2012-06-30 | 29.11% |
| 2012-03-31 | 29.52% |
| 2011-12-31 | 26.22% |
| 2011-09-30 | 29.35% |
| 2011-06-30 | 28.35% |
| 2011-03-31 | 24.71% |
| 2010-12-31 | 19.29% |
| 2010-09-30 | 22.56% |
| 2010-06-30 | 23.99% |
| 2010-03-31 | 16.88% |
| 2009-12-31 | 9.95% |
| 2009-09-30 | 17.76% |
| 2009-06-30 | 20.21% |
| 2009-03-31 | 18.42% |
| 2008-12-31 | 2.74% |
| 2008-09-30 | 2.04% |
| 2008-06-30 | 18.94% |
| 2008-03-31 | 17.50% |
| 2007-12-31 | 19.23% |
| 2007-09-30 | 20.79% |
| 2007-06-30 | 20.91% |
| 2007-03-31 | 17.76% |
| 2006-12-31 | 22.74% |
| 2006-09-30 | 22.06% |
| 2006-06-30 | 22.52% |
| 2006-03-31 | 23.25% |
| 2005-12-31 | 25.23% |
| 2005-09-30 | 24.46% |
| 2005-06-30 | 26.34% |
| 2005-03-31 | 22.56% |
| 2004-12-31 | 19.15% |
| 2004-09-30 | 23.76% |
| 2004-06-30 | 24.73% |
| 2004-03-31 | 23.44% |
| 2003-12-31 | 27.56% |
| 2003-09-30 | 27.77% |
| 2003-06-30 | 26.63% |
| 2003-03-31 | 24.15% |
| 2002-12-31 | 26.49% |
| 2002-09-30 | 25.68% |
