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 40.57% is in line with its 5-year average of 42.32%, around the middle of its 5-year range (21.02%–54.10%).
1.13% above its 12-month average of 40.12%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.01%.
OPERATING MARGIN
40.57%
OPERATING MARGIN AVG TTM
40.12%
OPERATING MARGIN AVG 3Y
42.11%
OPERATING MARGIN AVG 5Y
42.32%
OPERATING MARGIN AVG 10Y
36.70%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+1.13%
CURRENT VS 3Y AVG
-3.65%
CURRENT VS 5Y AVG
-4.13%
CURRENT VS 10Y AVG
+10.53%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
17.92%
median of 409 covered companies
CURRENT VS SECTOR MEDIAN
+126.40%
vs the sector median at left
Esquire Financial Holdings, Inc.
Market Cap
$1.02B
Operating Margin
40.57%
TTM Avg
40.12%
3Y Avg
42.11%
5Y Avg
42.32%
Market Cap
$1.02B
Operating Margin
23.26%
TTM Avg
19.54%
3Y Avg
23.37%
5Y Avg
24.70%
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
$987.59M
Operating Margin
-197.96%
TTM Avg
-92.85%
3Y Avg
-33.88%
5Y Avg
-10.53%
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
$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 |
|---|---|---|---|---|---|
| Esquire Financial Holdings, Inc. (ESQ) | $1.02B | 40.57% | 40.12% | 42.11% | 42.32% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.26% | 19.54% | 23.37% | 24.70% |
| 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% |
| Horizon Bancorp, Inc. (HBNC)vs › | $987.59M | -197.96% | -92.85% | -33.88% | -10.53% |
| 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% |
| 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
40.6%
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 | 38.01% |
| 2026-03-31 | 37.60% |
| 2025-12-31 | 45.76% |
| 2025-09-30 | 41.22% |
| 2025-06-30 | 38.00% |
| 2025-03-31 | 41.19% |
| 2024-12-31 | 42.41% |
| 2024-09-30 | 44.22% |
| 2024-06-30 | 42.68% |
| 2024-03-31 | 42.15% |
| 2023-12-31 | 42.52% |
| 2023-09-30 | 43.69% |
| 2023-06-30 | 43.42% |
| 2023-03-31 | 54.10% |
| 2022-12-31 | 48.00% |
| 2022-09-30 | 46.85% |
| 2022-06-30 | 42.85% |
| 2022-03-31 | 41.47% |
| 2021-12-31 | 44.22% |
| 2021-09-30 | 21.02% |
| 2021-06-30 | 37.77% |
| 2021-03-31 | 35.19% |
| 2020-12-31 | 35.72% |
| 2020-09-30 | 36.67% |
| 2020-06-30 | 27.74% |
| 2020-03-31 | 27.84% |
| 2019-12-31 | 40.54% |
| 2019-09-30 | 40.03% |
| 2019-06-30 | 38.41% |
| 2019-03-31 | 38.84% |
| 2018-12-31 | 38.47% |
| 2018-09-30 | 24.37% |
| 2018-06-30 | 34.28% |
| 2018-03-31 | 32.03% |
| 2017-12-31 | 31.21% |
| 2017-09-30 | 27.93% |
| 2017-06-30 | 24.69% |
| 2017-03-31 | 23.51% |
| 2016-12-31 | 20.53% |
| 2016-09-30 | 23.24% |
| 2016-06-30 | 24.46% |
| 2016-03-31 | 22.33% |
| 2015-12-31 | 21.36% |
| 2015-09-30 | 21.36% |
| 2015-06-30 | 13.11% |
| 2015-03-31 | 13.11% |
