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 31.96% is in line with its 5-year average of 33.27%, around the middle of its 5-year range (24.13%–46.09%).
1.66% below its 12-month average of 32.50%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 27.54%.
OPERATING MARGIN
31.96%
OPERATING MARGIN AVG TTM
32.50%
OPERATING MARGIN AVG 3Y
32.51%
OPERATING MARGIN AVG 5Y
33.27%
OPERATING MARGIN AVG 10Y
33.19%
OPERATING MARGIN AVG 15Y
29.91%
OPERATING MARGIN AVG 20Y
25.68%
CURRENT VS TTM AVG
-1.66%
CURRENT VS 3Y AVG
-1.69%
CURRENT VS 5Y AVG
-3.92%
CURRENT VS 10Y AVG
-3.70%
CURRENT VS 15Y AVG
+6.85%
CURRENT VS 20Y AVG
+24.46%
SECTOR MEDIAN · FINANCIAL SERVICES
16.58%
median of 593 covered companies
CURRENT VS SECTOR MEDIAN
+92.76%
vs the sector median at left
First Northern Community Bancorp
Market Cap
$291.45M
Operating Margin
31.96%
TTM Avg
32.50%
3Y Avg
32.51%
5Y Avg
33.27%
Market Cap
$292.26M
Operating Margin
12.78%
TTM Avg
8.08%
3Y Avg
10.76%
5Y Avg
17.02%
Market Cap
$293.02M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$289.84M
Operating Margin
34.33%
TTM Avg
36.75%
3Y Avg
41.03%
5Y Avg
39.70%
Market Cap
$288.65M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$288.05M
Operating Margin
-28.79%
TTM Avg
-6.80%
3Y Avg
-4.25%
5Y Avg
-32.87%
Market Cap
$295.29M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$297.03M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$285.80M
Operating Margin
28.32%
TTM Avg
18.43%
3Y Avg
21.90%
5Y Avg
27.06%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Northern Community Bancorp (FNRN) | $291.45M | 31.96% | 32.50% | 32.51% | 33.27% |
| First Western Financial, Inc. (MYFW)vs › | $292.26M | 12.78% | 8.08% | 10.76% | 17.02% |
| Blue Acquisition Corp. (BACC)vs › | $293.02M | 0.00% | 0.00% | 0.00% | 0.00% |
| Oak Valley Bancorp (OVLY)vs › | $289.84M | 34.33% | 36.75% | 41.03% | 39.70% |
| HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs › | $288.65M | 0.00% | 0.00% | 0.00% | 0.00% |
| Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs › | $288.05M | -28.79% | -6.80% | -4.25% | -32.87% |
| OneIM Acquisition Corp. Class A Ordinary Shares (OIM)vs › | $295.29M | N/A | N/A | N/A | N/A |
| Fortress Value Acquisition Corp. V (FVAV)vs › | $297.03M | 0.00% | 0.00% | 0.00% | 0.00% |
| Ames National Corporation (ATLO)vs › | $285.80M | 28.32% | 18.43% | 21.90% | 27.06% |
| Princeton Bancorp Inc. (BPRN)vs › | $298.12M | 24.56% | 13.41% | 24.69% | 27.37% |
Operating Margin
32.0%
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 | 27.54% |
| 2026-03-31 | 34.06% |
| 2025-12-31 | 35.75% |
| 2025-09-30 | 30.34% |
| 2025-06-30 | 34.82% |
| 2025-03-31 | 24.13% |
| 2024-12-31 | 35.45% |
| 2024-09-30 | 35.67% |
| 2024-06-30 | 29.61% |
| 2024-03-31 | 30.26% |
| 2023-12-31 | 42.71% |
| 2023-09-30 | 32.22% |
| 2023-06-30 | 30.07% |
| 2023-03-31 | 42.35% |
| 2022-12-31 | 35.53% |
| 2022-09-30 | 37.58% |
| 2022-06-30 | 34.15% |
| 2022-03-31 | 30.98% |
| 2021-12-31 | 28.29% |
| 2021-09-30 | 46.09% |
| 2021-06-30 | 33.80% |
| 2021-03-31 | 33.70% |
| 2020-12-31 | 29.47% |
| 2020-09-30 | 32.06% |
| 2020-06-30 | 28.08% |
| 2020-03-31 | 27.76% |
| 2019-12-31 | 33.72% |
| 2019-09-30 | 37.57% |
| 2019-06-30 | 34.06% |
| 2019-03-31 | 40.00% |
| 2018-12-31 | 32.37% |
| 2018-09-30 | 35.82% |
| 2018-06-30 | 32.56% |
| 2018-03-31 | 30.34% |
| 2017-12-31 | 35.02% |
| 2017-09-30 | 38.23% |
| 2017-06-30 | 35.85% |
| 2017-03-31 | 32.80% |
| 2016-12-31 | 31.11% |
| 2016-09-30 | 31.62% |
| 2016-06-30 | 30.07% |
| 2016-03-31 | 26.60% |
| 2015-12-31 | 25.76% |
| 2015-09-30 | 28.38% |
| 2015-06-30 | 28.09% |
| 2015-03-31 | 24.71% |
| 2014-12-31 | 22.89% |
| 2014-09-30 | 24.47% |
| 2014-06-30 | 20.97% |
| 2014-03-31 | 21.95% |
| 2013-12-31 | 17.66% |
| 2013-09-30 | 25.04% |
| 2013-06-30 | 22.38% |
| 2013-03-31 | 21.38% |
| 2012-12-31 | 13.53% |
| 2012-09-30 | 19.59% |
| 2012-06-30 | 18.25% |
| 2012-03-31 | 16.65% |
| 2011-12-31 | 7.49% |
| 2011-09-30 | 12.78% |
| 2011-06-30 | 10.01% |
| 2011-03-31 | 9.76% |
| 2010-12-31 | 12.39% |
| 2010-09-30 | 8.02% |
| 2010-06-30 | 5.20% |
| 2010-03-31 | 0.77% |
| 2009-12-31 | -45.16% |
| 2009-09-30 | 3.58% |
| 2009-06-30 | 3.84% |
| 2009-03-13 | 1.88% |
| 2008-12-31 | -29.74% |
| 2008-11-07 | -5.51% |
| 2008-06-30 | -7.95% |
| 2008-03-31 | 0.44% |
| 2007-12-31 | 8.60% |
| 2007-09-30 | 20.75% |
| 2007-06-30 | 21.65% |
| 2007-03-31 | 23.70% |
| 2006-12-31 | 23.63% |
| 2006-09-30 | 23.41% |
| 2006-06-30 | 27.51% |
| 2006-03-31 | 30.69% |
| 2005-12-31 | 27.59% |
| 2005-09-30 | 31.72% |
| 2005-06-30 | 32.53% |
| 2005-03-31 | 23.30% |
| 2004-12-31 | 29.47% |
| 2004-09-30 | 27.96% |
| 2004-06-30 | 28.31% |
| 2004-03-31 | 25.30% |
| 2003-12-31 | 23.05% |
| 2003-09-30 | 26.12% |
| 2003-06-30 | 25.26% |
| 2003-03-31 | 25.32% |
| 2002-12-31 | 25.19% |
| 2002-09-30 | 25.95% |
