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 22.72% is 11% above its 5-year average of 20.41%, around the middle of its 5-year range (2.05%–41.48%).
0.64% above its 12-month average of 22.58%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 24.20%.
OPERATING MARGIN
22.72%
OPERATING MARGIN AVG TTM
22.58%
OPERATING MARGIN AVG 3Y
18.67%
OPERATING MARGIN AVG 5Y
20.41%
OPERATING MARGIN AVG 10Y
23.83%
OPERATING MARGIN AVG 15Y
22.45%
OPERATING MARGIN AVG 20Y
22.07%
CURRENT VS TTM AVG
+0.64%
CURRENT VS 3Y AVG
+21.70%
CURRENT VS 5Y AVG
+11.33%
CURRENT VS 10Y AVG
-4.65%
CURRENT VS 15Y AVG
+1.21%
CURRENT VS 20Y AVG
+2.96%
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 472 covered companies
CURRENT VS SECTOR MEDIAN
+28.14%
vs the sector median at left
Franklin Financial Services Corporation
Market Cap
$283.06M
Operating Margin
22.72%
TTM Avg
22.58%
3Y Avg
18.67%
5Y Avg
20.41%
Market Cap
$283.32M
Operating Margin
26.93%
TTM Avg
25.83%
3Y Avg
28.32%
5Y Avg
28.31%
Market Cap
$284.63M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$285.74M
Operating Margin
-28.79%
TTM Avg
-6.80%
3Y Avg
-4.25%
5Y Avg
-32.87%
Market Cap
$288.65M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$277.33M
Operating Margin
5.89%
TTM Avg
-0.23%
3Y Avg
1.08%
5Y Avg
1.08%
Market Cap
$277.12M
Operating Margin
50.47%
TTM Avg
36.02%
3Y Avg
35.01%
5Y Avg
26.88%
Market Cap
$289.54M
Operating Margin
28.32%
TTM Avg
18.43%
3Y Avg
21.90%
5Y Avg
27.06%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Franklin Financial Services Corporation (FRAF) | $283.06M | 22.72% | 22.58% | 18.67% | 20.41% |
| First United Corporation (FUNC)vs › | $283.32M | 26.93% | 25.83% | 28.32% | 28.31% |
| Inflection Point Acquisition Corp. VIII (IPHX)vs › | $284.63M | N/A | N/A | N/A | N/A |
| Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs › | $285.74M | -28.79% | -6.80% | -4.25% | -32.87% |
| HCM IV Acquisition Corp. Class A Ordinary Share (HACQ)vs › | $288.65M | 0.00% | 0.00% | 0.00% | 0.00% |
| FB Bancorp, Inc. Common Stock (FBLA)vs › | $277.33M | 5.89% | -0.23% | 1.08% | 1.08% |
| Medallion Financial Corp. (MFIN)vs › | $277.12M | 50.47% | 36.02% | 35.01% | 26.88% |
| Ames National Corporation (ATLO)vs › | $289.54M | 28.32% | 18.43% | 21.90% | 27.06% |
| LCNB Corp. (LCNB)vs › | $275.66M | 24.42% | 17.70% | 21.28% | 24.93% |
| Isabella Bank Corporation (ISBA)vs › | $275.56M | 19.76% | 17.94% | 23.75% | 23.91% |
Operating Margin
22.7%
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 | 24.20% |
| 2026-03-31 | 25.07% |
| 2025-12-31 | 22.17% |
| 2025-09-30 | 19.50% |
| 2025-06-30 | 21.93% |
| 2025-03-31 | 15.38% |
| 2024-12-31 | 2.05% |
| 2024-09-30 | 16.68% |
| 2024-06-30 | 12.80% |
| 2024-03-31 | 14.47% |
| 2023-12-31 | 16.01% |
| 2023-09-30 | 19.49% |
| 2023-06-30 | 16.31% |
| 2023-03-31 | 18.01% |
| 2022-12-31 | 21.58% |
| 2022-09-30 | 30.12% |
| 2022-06-30 | 25.13% |
| 2022-03-31 | 22.73% |
| 2021-12-31 | 25.74% |
| 2021-09-30 | 41.48% |
| 2021-06-30 | 40.13% |
| 2021-03-31 | 36.76% |
| 2020-12-31 | 33.93% |
| 2020-09-30 | 27.22% |
| 2020-06-30 | 14.86% |
| 2020-03-31 | 10.55% |
| 2019-12-31 | 30.53% |
| 2019-09-30 | 34.40% |
| 2019-06-30 | 29.37% |
| 2019-03-31 | 24.72% |
| 2018-12-31 | 29.27% |
| 2018-09-30 | 32.46% |
| 2018-06-30 | -49.85% |
| 2018-03-31 | 29.80% |
| 2017-12-31 | -47.28% |
| 2017-09-30 | 29.98% |
| 2017-06-30 | 33.35% |
| 2017-03-31 | 31.12% |
| 2016-12-31 | 14.83% |
| 2016-09-30 | 20.59% |
| 2016-06-30 | 14.52% |
| 2016-03-31 | 28.85% |
| 2015-12-31 | 23.64% |
| 2015-09-30 | 25.07% |
| 2015-06-30 | 26.99% |
| 2015-03-31 | 31.05% |
| 2014-12-31 | 19.43% |
| 2014-09-30 | 26.74% |
| 2014-06-30 | 25.56% |
| 2014-03-31 | 20.77% |
| 2013-12-31 | 11.69% |
| 2013-09-30 | 24.56% |
| 2013-06-30 | 13.98% |
| 2013-03-31 | 16.44% |
| 2012-12-31 | -0.34% |
| 2012-09-30 | 17.54% |
| 2012-06-30 | 18.33% |
| 2012-03-31 | 12.84% |
| 2011-12-31 | 36.04% |
| 2011-09-30 | 5.91% |
| 2011-06-30 | 10.10% |
| 2011-03-31 | 19.46% |
| 2010-12-31 | 18.20% |
| 2010-09-30 | 17.36% |
| 2010-06-30 | 22.07% |
| 2010-03-31 | 19.57% |
| 2009-12-31 | 18.03% |
| 2009-09-30 | 8.61% |
| 2009-06-30 | 17.49% |
| 2009-03-31 | 21.09% |
| 2008-12-31 | 15.80% |
| 2008-09-30 | 26.58% |
| 2008-06-30 | 25.08% |
| 2008-03-31 | 25.23% |
| 2007-12-31 | 22.69% |
| 2007-09-30 | 21.91% |
| 2007-06-30 | 18.27% |
| 2007-03-31 | 17.54% |
| 2006-12-31 | 19.29% |
| 2006-09-30 | 19.62% |
| 2006-06-30 | 22.57% |
| 2006-03-31 | 17.04% |
| 2005-12-31 | 20.16% |
| 2005-09-30 | 21.36% |
| 2005-06-30 | 20.02% |
| 2005-03-31 | 14.47% |
| 2004-12-31 | 19.88% |
| 2004-09-30 | 21.25% |
| 2004-06-30 | 16.93% |
| 2004-03-31 | 19.61% |
| 2003-12-31 | 20.18% |
| 2003-09-30 | 22.32% |
| 2003-06-30 | 22.83% |
| 2003-03-31 | 23.05% |
| 2002-12-31 | 22.59% |
| 2002-09-30 | 17.67% |
