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 25.12% is in line with its 5-year average of 26.99%, around the middle of its 5-year range (6.52%–37.58%).
41.16% above its 12-month average of 17.80%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 6.52%.
OPERATING MARGIN
25.12%
OPERATING MARGIN AVG TTM
17.80%
OPERATING MARGIN AVG 3Y
23.54%
OPERATING MARGIN AVG 5Y
26.99%
OPERATING MARGIN AVG 10Y
29.23%
OPERATING MARGIN AVG 15Y
29.84%
OPERATING MARGIN AVG 20Y
26.98%
CURRENT VS TTM AVG
+41.16%
CURRENT VS 3Y AVG
+6.73%
CURRENT VS 5Y AVG
-6.93%
CURRENT VS 10Y AVG
-14.07%
CURRENT VS 15Y AVG
-15.81%
CURRENT VS 20Y AVG
-6.91%
SECTOR MEDIAN · FINANCIAL SERVICES
16.25%
median of 613 covered companies
CURRENT VS SECTOR MEDIAN
+54.58%
vs the sector median at left
First Mid Bancshares, Inc.
Market Cap
$1.32B
Operating Margin
25.12%
TTM Avg
17.80%
3Y Avg
23.54%
5Y Avg
26.99%
Market Cap
$1.32B
Operating Margin
31.83%
TTM Avg
34.89%
3Y Avg
36.04%
5Y Avg
37.07%
Market Cap
$1.33B
Operating Margin
21.65%
TTM Avg
23.05%
3Y Avg
27.93%
5Y Avg
25.84%
Market Cap
$1.29B
Operating Margin
29.60%
TTM Avg
30.75%
3Y Avg
34.03%
5Y Avg
30.43%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
Market Cap
$1.40B
Operating Margin
27.12%
TTM Avg
19.78%
3Y Avg
24.01%
5Y Avg
25.57%
Market Cap
$1.24B
Operating Margin
38.22%
TTM Avg
36.67%
3Y Avg
44.13%
5Y Avg
46.94%
Market Cap
$1.42B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.22B
Operating Margin
51.61%
TTM Avg
51.23%
3Y Avg
51.08%
5Y Avg
51.08%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Mid Bancshares, Inc. (FMBH) | $1.32B | 25.12% | 17.80% | 23.54% | 26.99% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 31.83% | 34.89% | 36.04% | 37.07% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 21.65% | 23.05% | 27.93% | 25.84% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 29.60% | 30.75% | 34.03% | 30.43% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 27.12% | 19.78% | 24.01% | 25.57% |
| Preferred Bank (PFBC)vs › | $1.24B | 38.22% | 36.67% | 44.13% | 46.94% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.42B | 17.73% | 26.41% | 31.96% | 34.24% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 51.61% | 51.23% | 51.08% | 51.08% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 31.03% | 32.09% | 33.68% | 32.71% |
Operating Margin
25.1%
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 | 6.52% |
| 2026-03-31 | 7.42% |
| 2025-12-31 | 25.51% |
| 2025-09-30 | 23.52% |
| 2025-06-30 | 26.01% |
| 2025-03-31 | 25.45% |
| 2024-12-31 | 22.23% |
| 2024-09-30 | 22.58% |
| 2024-06-30 | 24.32% |
| 2024-03-31 | 24.28% |
| 2023-12-31 | 19.62% |
| 2023-09-30 | 20.14% |
| 2023-06-30 | 25.24% |
| 2023-03-31 | 29.33% |
| 2022-12-31 | 30.54% |
| 2022-09-30 | 32.30% |
| 2022-06-30 | 33.20% |
| 2022-03-31 | 31.67% |
| 2021-12-31 | 34.88% |
| 2021-09-30 | 37.58% |
| 2021-06-30 | 24.40% |
| 2021-03-31 | 8.28% |
| 2020-12-31 | 34.43% |
| 2020-09-30 | 31.10% |
| 2020-06-30 | 26.93% |
| 2020-03-31 | 26.01% |
| 2019-12-31 | 32.39% |
| 2019-09-30 | 31.32% |
| 2019-06-30 | 29.05% |
| 2019-03-31 | 33.99% |
| 2018-12-31 | 29.56% |
| 2018-09-30 | 26.48% |
| 2018-06-30 | 34.14% |
| 2018-03-31 | 34.47% |
| 2017-12-31 | 28.05% |
| 2017-09-30 | 34.49% |
| 2017-06-30 | 36.29% |
| 2017-03-31 | 29.50% |
| 2016-12-31 | 35.63% |
| 2016-09-30 | 31.82% |
| 2016-06-30 | 32.36% |
| 2016-03-31 | 31.52% |
| 2015-12-31 | 31.61% |
| 2015-09-30 | 28.28% |
| 2015-06-30 | 34.79% |
| 2015-03-31 | 34.77% |
| 2014-12-31 | 33.80% |
| 2014-09-30 | 34.43% |
| 2014-06-30 | 34.75% |
| 2014-03-31 | 32.20% |
| 2013-12-31 | 32.02% |
| 2013-09-30 | 32.71% |
| 2013-06-30 | 32.84% |
| 2013-03-31 | 31.89% |
| 2012-12-31 | 30.02% |
| 2012-09-30 | 31.66% |
| 2012-06-30 | 30.11% |
| 2012-03-31 | 29.15% |
| 2011-12-31 | 27.94% |
| 2011-09-30 | 23.34% |
| 2011-06-30 | 21.99% |
| 2011-03-31 | 24.58% |
| 2010-12-31 | 20.33% |
| 2010-09-30 | 18.68% |
| 2010-06-30 | 17.21% |
| 2010-03-31 | 24.58% |
| 2009-12-31 | 17.49% |
| 2009-09-30 | 19.53% |
| 2009-06-30 | 17.41% |
| 2009-03-31 | 18.84% |
| 2008-12-31 | 18.13% |
| 2008-09-30 | 23.76% |
| 2008-06-30 | 22.24% |
| 2008-03-31 | 23.97% |
| 2007-12-31 | 21.40% |
| 2007-09-30 | 19.72% |
| 2007-06-30 | 19.97% |
| 2007-03-31 | 20.66% |
| 2006-12-31 | 21.23% |
| 2006-09-30 | 20.18% |
| 2006-06-30 | 22.45% |
| 2006-03-31 | 23.69% |
| 2005-12-31 | 25.03% |
| 2005-09-30 | 25.94% |
| 2005-06-30 | 26.15% |
| 2005-03-31 | 27.63% |
| 2004-12-31 | 26.06% |
| 2004-09-30 | 28.32% |
| 2004-06-30 | 27.97% |
| 2004-03-31 | 28.38% |
| 2003-12-31 | 27.24% |
| 2003-09-30 | 28.00% |
| 2003-06-30 | 24.99% |
| 2003-03-31 | 27.33% |
| 2002-12-31 | 23.68% |
| 2002-09-30 | 22.89% |
