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 18.07% is 44% below its 5-year average of 32.38%, near the high end of its 5-year range (-178.54%–55.30%).
181.22% above its 12-month average of -22.25%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): -178.54%.
OPERATING MARGIN
18.07%
OPERATING MARGIN AVG TTM
-22.25%
OPERATING MARGIN AVG 3Y
22.15%
OPERATING MARGIN AVG 5Y
32.38%
OPERATING MARGIN AVG 10Y
33.28%
OPERATING MARGIN AVG 15Y
35.00%
OPERATING MARGIN AVG 20Y
27.67%
CURRENT VS TTM AVG
+181.22%
CURRENT VS 3Y AVG
-18.42%
CURRENT VS 5Y AVG
-44.20%
CURRENT VS 10Y AVG
-45.70%
CURRENT VS 15Y AVG
-48.37%
CURRENT VS 20Y AVG
-34.70%
SECTOR MEDIAN · FINANCIAL SERVICES
17.79%
median of 470 covered companies
CURRENT VS SECTOR MEDIAN
+1.57%
vs the sector median at left
ConnectOne Bancorp, Inc.
Market Cap
$1.65B
Operating Margin
18.07%
TTM Avg
-22.25%
3Y Avg
22.15%
5Y Avg
32.38%
Market Cap
$1.66B
Operating Margin
25.83%
TTM Avg
19.91%
3Y Avg
13.09%
5Y Avg
11.91%
Market Cap
$1.66B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.63B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.70B
Operating Margin
34.54%
TTM Avg
36.14%
3Y Avg
42.72%
5Y Avg
44.14%
Market Cap
$1.75B
Operating Margin
16.07%
TTM Avg
10.82%
3Y Avg
19.12%
5Y Avg
23.94%
Market Cap
$1.56B
Operating Margin
26.21%
TTM Avg
32.61%
3Y Avg
31.26%
5Y Avg
29.92%
Market Cap
$1.55B
Operating Margin
-56.74%
TTM Avg
26.01%
3Y Avg
-306.25%
5Y Avg
-206.83%
Market Cap
$1.55B
Operating Margin
18.07%
TTM Avg
18.51%
3Y Avg
26.12%
5Y Avg
31.29%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| ConnectOne Bancorp, Inc. (CNOBP) | $1.65B | 18.07% | -22.25% | 22.15% | 32.38% |
| Goosehead Insurance, Inc (GSHD)vs › | $1.66B | 25.83% | 19.91% | 13.09% | 11.91% |
| Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)vs › | $1.66B | 17.73% | 26.41% | 31.96% | 34.24% |
| Atlanticus Holdings Corporation (ATLCP)vs › | $1.63B | 17.73% | 26.41% | 31.96% | 34.24% |
| Bank First Corporation (BFC)vs › | $1.70B | 34.54% | 36.14% | 42.72% | 44.14% |
| Hope Bancorp, Inc. (HOPE)vs › | $1.75B | 16.07% | 10.82% | 19.12% | 23.94% |
| Pathward Financial, Inc. (CASH)vs › | $1.56B | 26.21% | 32.61% | 31.26% | 29.92% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.55B | -56.74% | 26.01% | -306.25% | -206.83% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.55B | 18.07% | 18.51% | 26.12% | 31.29% |
| EZCORP, Inc. (EZPW)vs › | $1.79B | 13.90% | 10.70% | 9.66% | 6.17% |
Operating Margin
18.1%
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 | -178.54% |
| 2026-03-31 | 28.10% |
| 2025-12-31 | 28.27% |
| 2025-09-30 | 27.64% |
| 2025-06-30 | -16.72% |
| 2025-03-31 | 21.20% |
| 2024-12-31 | 20.08% |
| 2024-09-30 | 17.18% |
| 2024-06-30 | 19.15% |
| 2024-03-31 | 17.30% |
| 2023-12-31 | 19.14% |
| 2023-09-30 | 22.50% |
| 2023-06-30 | 23.11% |
| 2023-03-31 | 28.60% |
| 2022-12-31 | 38.72% |
| 2022-09-30 | 39.22% |
| 2022-06-30 | 49.88% |
| 2022-03-31 | 52.12% |
| 2021-12-31 | 54.75% |
| 2021-09-30 | 53.03% |
| 2021-06-30 | 55.30% |
| 2021-03-31 | 58.20% |
| 2020-12-31 | 42.28% |
| 2020-09-30 | 40.34% |
| 2020-06-30 | 20.83% |
| 2020-03-31 | 8.89% |
| 2019-12-31 | 38.40% |
| 2019-09-30 | 38.81% |
| 2019-06-30 | 35.49% |
| 2019-03-31 | 21.10% |
| 2018-12-31 | 37.98% |
| 2018-09-30 | 38.86% |
| 2018-06-30 | 40.65% |
| 2018-03-31 | 9.07% |
| 2017-12-31 | 44.54% |
| 2017-09-30 | 38.85% |
| 2017-06-30 | 21.66% |
| 2017-03-31 | 38.09% |
| 2016-12-31 | -12.70% |
| 2016-09-30 | 37.00% |
| 2016-06-30 | 38.12% |
| 2016-03-31 | 38.18% |
| 2015-12-31 | 35.83% |
| 2015-09-30 | 40.17% |
| 2015-06-30 | 44.05% |
| 2015-03-31 | 44.07% |
| 2014-12-31 | 36.97% |
| 2014-09-30 | 6.02% |
| 2014-06-30 | 39.47% |
| 2014-03-31 | 35.65% |
| 2013-12-31 | 41.54% |
| 2013-09-30 | 43.89% |
| 2013-06-30 | 43.73% |
| 2013-03-31 | 41.86% |
| 2012-12-31 | 40.22% |
| 2012-09-30 | 38.39% |
| 2012-06-30 | 43.49% |
| 2012-03-31 | 41.60% |
| 2011-12-31 | 36.39% |
| 2011-09-30 | 36.73% |
| 2011-06-30 | 37.41% |
| 2011-03-31 | 32.48% |
| 2010-12-31 | 12.78% |
| 2010-09-30 | 26.59% |
| 2010-06-30 | 21.06% |
| 2010-03-31 | -8.70% |
| 2009-12-31 | 8.20% |
| 2009-09-30 | 16.56% |
| 2009-06-30 | 11.19% |
| 2009-03-31 | 7.68% |
| 2008-12-31 | 17.07% |
| 2008-09-30 | 14.64% |
| 2008-06-30 | 13.76% |
| 2008-03-31 | 10.96% |
| 2007-12-31 | -1.01% |
| 2007-09-30 | 1.53% |
| 2007-06-30 | 1.74% |
| 2007-03-31 | 4.06% |
| 2006-12-31 | 3.97% |
| 2006-09-30 | 8.36% |
| 2006-06-30 | 10.16% |
| 2006-03-31 | -25.72% |
| 2005-12-31 | 14.35% |
| 2005-09-30 | 16.91% |
| 2005-06-30 | 17.66% |
| 2005-03-31 | 16.16% |
| 2004-12-31 | 21.72% |
| 2004-09-30 | 22.57% |
| 2004-06-30 | 20.95% |
| 2004-03-31 | 19.80% |
| 2003-12-31 | 19.87% |
| 2003-09-30 | 15.02% |
| 2003-06-30 | 19.55% |
| 2003-03-31 | 22.44% |
| 2002-12-31 | 24.43% |
| 2002-09-30 | 27.79% |
