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 33.11% is in line with its 5-year average of 33.56%, near the low end of its 5-year range (26.46%–50.99%).
0.78% above its 12-month average of 32.85%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 35.23%.
OPERATING MARGIN
33.11%
OPERATING MARGIN AVG TTM
32.85%
OPERATING MARGIN AVG 3Y
30.40%
OPERATING MARGIN AVG 5Y
33.56%
OPERATING MARGIN AVG 10Y
33.01%
OPERATING MARGIN AVG 15Y
32.84%
OPERATING MARGIN AVG 20Y
30.34%
CURRENT VS TTM AVG
+0.78%
CURRENT VS 3Y AVG
+8.90%
CURRENT VS 5Y AVG
-1.35%
CURRENT VS 10Y AVG
+0.31%
CURRENT VS 15Y AVG
+0.82%
CURRENT VS 20Y AVG
+9.14%
SECTOR MEDIAN · FINANCIAL SERVICES
16.32%
median of 616 covered companies
CURRENT VS SECTOR MEDIAN
+102.88%
vs the sector median at left
Community Trust Bancorp, Inc.
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
32.85%
3Y Avg
30.40%
5Y Avg
33.56%
Market Cap
$1.40B
Operating Margin
27.12%
TTM Avg
19.78%
3Y Avg
24.01%
5Y Avg
25.57%
Market Cap
$1.42B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.43B
Operating Margin
31.03%
TTM Avg
32.09%
3Y Avg
33.68%
5Y Avg
32.71%
Market Cap
$1.33B
Operating Margin
21.65%
TTM Avg
23.05%
3Y Avg
27.93%
5Y Avg
25.84%
Market Cap
$1.32B
Operating Margin
31.83%
TTM Avg
34.89%
3Y Avg
36.04%
5Y Avg
37.07%
Market Cap
$1.32B
Operating Margin
25.12%
TTM Avg
24.23%
3Y Avg
25.88%
5Y Avg
26.66%
Market Cap
$1.45B
Operating Margin
31.81%
TTM Avg
27.88%
3Y Avg
32.07%
5Y Avg
37.20%
Market Cap
$1.48B
Operating Margin
76.87%
TTM Avg
62.67%
3Y Avg
56.33%
5Y Avg
57.90%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Community Trust Bancorp, Inc. (CTBI) | $1.38B | 33.11% | 32.85% | 30.40% | 33.56% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 27.12% | 19.78% | 24.01% | 25.57% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.42B | 17.73% | 26.41% | 31.96% | 34.24% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 31.03% | 32.09% | 33.68% | 32.71% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 21.65% | 23.05% | 27.93% | 25.84% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 31.83% | 34.89% | 36.04% | 37.07% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 25.12% | 24.23% | 25.88% | 26.66% |
| Lakeland Financial Corporation (LKFN)vs › | $1.45B | 31.81% | 27.88% | 32.07% | 37.20% |
| Capital Southwest Corporation (CSWC)vs › | $1.48B | 76.87% | 62.67% | 56.33% | 57.90% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 29.60% | 30.75% | 34.03% | 30.43% |
Operating Margin
33.1%
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 | 35.23% |
| 2026-03-31 | 34.26% |
| 2025-12-31 | 33.32% |
| 2025-09-30 | 29.56% |
| 2025-06-30 | 31.90% |
| 2025-03-31 | 29.28% |
| 2024-12-31 | 29.89% |
| 2024-09-30 | 28.85% |
| 2024-06-30 | 28.14% |
| 2024-03-31 | 26.46% |
| 2023-12-31 | 26.72% |
| 2023-09-30 | 30.49% |
| 2023-06-30 | 31.16% |
| 2023-03-31 | 32.93% |
| 2022-12-31 | 37.51% |
| 2022-09-30 | 36.81% |
| 2022-06-30 | 42.16% |
| 2022-03-31 | 42.34% |
| 2021-12-31 | 40.64% |
| 2021-09-30 | 43.65% |
| 2021-06-30 | 50.99% |
| 2021-03-31 | 50.19% |
| 2020-12-31 | 32.98% |
| 2020-09-30 | 35.34% |
| 2020-06-30 | 40.59% |
| 2020-03-31 | 12.16% |
| 2019-12-31 | 31.57% |
| 2019-09-30 | 29.93% |
| 2019-06-30 | 28.25% |
| 2019-03-31 | 32.52% |
| 2018-12-31 | 32.36% |
| 2018-09-30 | 34.03% |
| 2018-06-30 | 26.04% |
| 2018-03-31 | 33.91% |
| 2017-12-31 | 31.87% |
| 2017-09-30 | 37.61% |
| 2017-06-30 | 31.98% |
| 2017-03-31 | 32.67% |
| 2016-12-31 | 34.09% |
| 2016-09-30 | 35.16% |
| 2016-07-28 | 32.74% |
| 2016-03-31 | 34.29% |
| 2015-12-31 | 35.99% |
| 2015-09-30 | 31.17% |
| 2015-06-30 | 34.73% |
| 2015-03-31 | 34.27% |
| 2014-12-31 | 29.19% |
| 2014-09-30 | 33.01% |
| 2014-08-01 | 38.08% |
| 2014-03-31 | 31.93% |
| 2013-12-31 | 25.32% |
| 2013-09-30 | 37.36% |
| 2013-06-30 | 33.90% |
| 2013-03-31 | 35.44% |
| 2012-12-31 | 29.81% |
| 2012-09-30 | 30.74% |
| 2012-06-30 | 35.23% |
| 2012-03-31 | 34.56% |
| 2011-12-31 | 28.77% |
| 2011-09-30 | 30.99% |
| 2011-06-30 | 25.79% |
| 2011-03-31 | 24.46% |
| 2010-12-31 | 26.57% |
| 2010-09-30 | 25.15% |
| 2010-06-30 | 25.13% |
| 2010-03-31 | 20.57% |
| 2009-12-31 | 20.39% |
| 2009-09-30 | 16.51% |
| 2009-06-30 | 16.91% |
| 2009-03-31 | 19.51% |
| 2008-12-31 | 13.20% |
| 2008-09-30 | -4.36% |
| 2008-06-30 | 23.90% |
| 2008-03-31 | 23.74% |
| 2007-12-31 | 23.71% |
| 2007-09-30 | 25.63% |
| 2007-06-30 | 21.67% |
| 2007-03-31 | 19.80% |
| 2006-12-31 | 23.53% |
| 2006-09-30 | 24.60% |
| 2006-06-30 | 25.42% |
| 2006-03-31 | 26.90% |
| 2005-12-31 | 24.80% |
| 2005-09-30 | 26.16% |
| 2005-06-30 | 25.97% |
| 2005-03-31 | 26.04% |
| 2004-12-31 | 25.65% |
| 2004-09-30 | 26.94% |
| 2004-06-30 | 27.94% |
| 2004-03-31 | 26.38% |
| 2003-12-31 | 25.27% |
| 2003-09-30 | 25.71% |
| 2003-06-30 | 24.26% |
| 2003-03-31 | 24.06% |
| 2002-12-31 | 24.11% |
| 2002-09-30 | 26.30% |
