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 34.63% is 13% below its 5-year average of 39.99%, near the low end of its 5-year range (28.35%–59.36%).
1.34% above its 12-month average of 34.17%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 35.16%.
OPERATING MARGIN
34.63%
OPERATING MARGIN AVG TTM
34.17%
OPERATING MARGIN AVG 3Y
32.93%
OPERATING MARGIN AVG 5Y
39.99%
OPERATING MARGIN AVG 10Y
32.60%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+1.34%
CURRENT VS 3Y AVG
+5.17%
CURRENT VS 5Y AVG
-13.41%
CURRENT VS 10Y AVG
+6.22%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 429 covered companies
CURRENT VS SECTOR MEDIAN
+95.32%
vs the sector median at left
Five Star Bancorp
Market Cap
$1.05B
Operating Margin
34.63%
TTM Avg
34.17%
3Y Avg
32.93%
5Y Avg
39.99%
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
$1.02B
Operating Margin
23.26%
TTM Avg
19.54%
3Y Avg
23.37%
5Y Avg
24.70%
Market Cap
$1.02B
Operating Margin
40.57%
TTM Avg
42.26%
3Y Avg
43.91%
5Y Avg
40.41%
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
$987.59M
Operating Margin
-197.96%
TTM Avg
-92.85%
3Y Avg
-33.88%
5Y Avg
-10.53%
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 |
|---|---|---|---|---|---|
| Five Star Bancorp (FSBC) | $1.05B | 34.63% | 34.17% | 32.93% | 39.99% |
| 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% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.26% | 19.54% | 23.37% | 24.70% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.02B | 40.57% | 42.26% | 43.91% | 40.41% |
| 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% |
| Horizon Bancorp, Inc. (HBNC)vs › | $987.59M | -197.96% | -92.85% | -33.88% | -10.53% |
| Camden National Corp. (CAC)vs › | $963.80M | 25.61% | 22.41% | 25.80% | 30.73% |
| Heritage Financial Corporation (HFWA)vs › | $1.15B | 23.15% | 19.81% | 25.59% | 28.70% |
Operating Margin
34.6%
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 | 35.16% |
| 2026-03-31 | 35.89% |
| 2025-12-31 | 33.92% |
| 2025-09-30 | 33.44% |
| 2025-06-30 | 32.44% |
| 2025-03-31 | 31.64% |
| 2024-12-31 | 32.78% |
| 2024-09-30 | 28.35% |
| 2024-06-30 | 30.14% |
| 2024-03-31 | 30.48% |
| 2023-12-31 | 31.66% |
| 2023-09-30 | 34.23% |
| 2023-06-30 | 37.91% |
| 2023-03-31 | 44.66% |
| 2022-12-31 | 48.57% |
| 2022-09-30 | 50.38% |
| 2022-06-30 | 50.90% |
| 2022-03-31 | 54.62% |
| 2021-12-31 | 52.83% |
| 2021-09-30 | 59.36% |
| 2021-06-30 | 50.45% |
| 2021-03-31 | 51.81% |
| 2020-12-31 | 42.76% |
| 2020-09-30 | 46.56% |
| 2020-06-30 | 51.01% |
| 2020-03-31 | 38.97% |
| 2019-12-31 | -1.46% |
| 2019-09-30 | 87.50% |
| 2019-06-30 | -587.50% |
| 2019-03-31 | 157.14% |
| 2018-12-31 | 8366.67% |
| 2018-09-30 | 1288.89% |
| 2018-06-30 | -3.88% |
| 2018-03-31 | 4.28% |
| 2017-12-31 | 39.66% |
| 2017-09-30 | 15.28% |
| 2017-06-30 | 17.18% |
| 2017-03-31 | -0.90% |
| 2016-12-31 | 5.40% |
| 2016-09-30 | 18.55% |
| 2016-06-30 | 8.61% |
