Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 26.18% is 21% above its 5-year average of 21.55%, near the low end of its 5-year range (2.33%–602.09%).
14.36% below its 12-month average of 30.57%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 69.32%.
NET PROFIT MARGIN
26.18%
NET PROFIT MARGIN AVG TTM
30.57%
NET PROFIT MARGIN AVG 3Y
18.75%
NET PROFIT MARGIN AVG 5Y
21.55%
NET PROFIT MARGIN AVG 10Y
21.42%
NET PROFIT MARGIN AVG 15Y
21.12%
NET PROFIT MARGIN AVG 20Y
19.41%
CURRENT VS TTM AVG
-14.36%
CURRENT VS 3Y AVG
+39.66%
CURRENT VS 5Y AVG
+21.46%
CURRENT VS 10Y AVG
+22.21%
CURRENT VS 15Y AVG
+23.98%
CURRENT VS 20Y AVG
+34.90%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+98.26%
vs the sector median at left
Financial Institutions, Inc.
Market Cap
$772.37M
Net Profit Margin
26.18%
TTM Avg
30.57%
3Y Avg
18.75%
5Y Avg
21.55%
Market Cap
$783.43M
Net Profit Margin
11.11%
TTM Avg
8.32%
3Y Avg
14.19%
5Y Avg
15.50%
Market Cap
$759.78M
Net Profit Margin
19.12%
TTM Avg
15.40%
3Y Avg
14.57%
5Y Avg
16.50%
Market Cap
$788.82M
Net Profit Margin
25.13%
TTM Avg
37.66%
3Y Avg
43.22%
5Y Avg
42.38%
Market Cap
$789.60M
Net Profit Margin
23.23%
TTM Avg
20.90%
3Y Avg
19.88%
5Y Avg
25.02%
Market Cap
$748.71M
Net Profit Margin
-19.43%
TTM Avg
-9.16%
3Y Avg
-4.11%
5Y Avg
2.38%
Market Cap
$737.64M
Net Profit Margin
22.71%
TTM Avg
21.42%
3Y Avg
22.98%
5Y Avg
24.75%
Market Cap
$807.51M
Net Profit Margin
7.88%
TTM Avg
5.98%
3Y Avg
4.82%
5Y Avg
4.03%
Market Cap
$810.67M
Net Profit Margin
24.06%
TTM Avg
15.30%
3Y Avg
16.87%
5Y Avg
19.23%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Financial Institutions, Inc. (FISI) | $772.37M | 26.18% | 30.57% | 18.75% | 21.55% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $783.43M | 11.11% | 8.32% | 14.19% | 15.50% |
| Shore Bancshares, Inc. (SHBI)vs › | $759.78M | 19.12% | 15.40% | 14.57% | 16.50% |
| River City Bank (RCBC)vs › | $788.82M | 25.13% | 37.66% | 43.22% | 42.38% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $789.60M | 23.23% | 20.90% | 19.88% | 25.02% |
| PRA Group, Inc. (PRAA)vs › | $748.71M | -19.43% | -9.16% | -4.11% | 2.38% |
| Independent Bank Corporation (IBCP)vs › | $737.64M | 22.71% | 21.42% | 22.98% | 24.75% |
| GCM Grosvenor Inc. (GCMG)vs › | $807.51M | 7.88% | 5.98% | 4.82% | 4.03% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $810.67M | 24.06% | 15.30% | 16.87% | 19.23% |
| OFS Credit Company, Inc. (OCCIM)vs › | $733.43M | N/A | N/A | N/A | N/A |
Operating Margin
24.2%
Net Profit Margin
26.2%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 69.32% |
| 2026-03-31 | 22.75% |
| 2025-12-31 | 20.69% |
| 2025-09-30 | 21.27% |
| 2025-06-30 | 18.82% |
| 2025-03-31 | 18.55% |
| 2024-12-31 | 602.09% |
| 2024-09-30 | 15.49% |
| 2024-06-30 | 25.13% |
| 2024-03-31 | 2.33% |
| 2023-12-31 | 10.72% |
| 2023-09-30 | 16.54% |
| 2023-06-30 | 17.50% |
| 2023-03-31 | 16.24% |
| 2022-12-31 | 17.63% |
| 2022-09-30 | 21.90% |
| 2022-06-30 | 27.75% |
| 2022-03-31 | 28.34% |
| 2021-12-31 | 35.57% |
| 2021-09-30 | 32.64% |
| 2021-06-30 | 39.68% |
| 2021-03-31 | 38.80% |
| 2020-12-31 | 27.11% |
| 2020-09-30 | 23.58% |
| 2020-06-30 | 22.39% |
| 2020-03-31 | 2.19% |
| 2019-12-31 | 25.21% |
| 2019-09-30 | 23.46% |
| 2019-06-30 | 22.04% |
| 2019-03-31 | 22.86% |
| 2018-12-31 | 14.90% |
| 2018-09-30 | 21.76% |
| 2018-06-30 | 26.87% |
| 2018-03-31 | 21.20% |
| 2017-12-31 | 25.28% |
| 2017-09-30 | 19.72% |
| 2017-06-30 | 15.38% |
| 2017-03-31 | 20.68% |
| 2016-12-31 | 22.27% |
| 2016-09-30 | 22.44% |
| 2016-06-30 | 19.26% |
| 2016-03-31 | 20.70% |
| 2015-12-31 | 18.41% |
| 2015-09-30 | 24.41% |
| 2015-06-30 | 20.35% |
| 2015-03-31 | 20.72% |
| 2014-12-31 | 23.82% |
| 2014-09-30 | 22.31% |
| 2014-06-30 | 22.41% |
| 2014-03-31 | 23.45% |
| 2013-12-31 | 20.57% |
| 2013-09-30 | 20.18% |
| 2013-06-30 | 22.40% |
| 2013-03-31 | 19.75% |
| 2012-12-31 | 20.24% |
| 2012-09-30 | 13.47% |
| 2012-06-30 | 21.88% |
| 2012-03-31 | 21.44% |
| 2011-12-31 | 19.43% |
| 2011-09-30 | 17.28% |
| 2011-06-30 | 19.85% |
| 2011-03-31 | 20.22% |
| 2010-12-31 | 17.20% |
| 2010-09-30 | 19.32% |
| 2010-06-30 | 17.82% |
| 2010-03-31 | 18.74% |
| 2009-12-31 | 18.04% |
| 2009-09-30 | 11.21% |
| 2009-06-30 | 8.89% |
| 2009-03-31 | 10.66% |
| 2008-12-31 | -10.71% |
| 2008-09-30 | -95.50% |
| 2008-06-30 | 6.40% |
| 2008-03-31 | 12.59% |
| 2007-12-31 | 13.05% |
| 2007-09-30 | 15.98% |
| 2007-06-30 | 11.08% |
| 2007-03-31 | 11.84% |
| 2006-12-31 | 9.69% |
| 2006-09-30 | 15.99% |
| 2006-06-30 | 17.37% |
| 2006-03-31 | 12.37% |
| 2005-12-31 | 9.23% |
| 2005-09-30 | 22.29% |
| 2005-06-30 | -39.09% |
| 2005-03-31 | 7.31% |
| 2004-12-31 | -2.54% |
| 2004-09-30 | 15.91% |
| 2004-06-30 | 16.93% |
| 2004-03-31 | 8.23% |
| 2003-12-31 | 6.68% |
| 2003-09-30 | 11.80% |
| 2003-06-30 | 10.45% |
| 2003-03-31 | 12.41% |
| 2002-12-31 | 17.41% |
| 2002-09-30 | 19.11% |
