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 32.12% is in line with its 5-year average of 33.18%, around the middle of its 5-year range (20.97%–48.92%).
0.30% above its 12-month average of 32.02%.
Reported quarterly operating margin; no daily interpolation. Q4 FY2026 (2026-06-30): 34.70%.
OPERATING MARGIN
32.12%
OPERATING MARGIN AVG TTM
32.02%
OPERATING MARGIN AVG 3Y
26.98%
OPERATING MARGIN AVG 5Y
33.18%
OPERATING MARGIN AVG 10Y
35.31%
OPERATING MARGIN AVG 15Y
33.83%
OPERATING MARGIN AVG 20Y
31.13%
CURRENT VS TTM AVG
+0.30%
CURRENT VS 3Y AVG
+19.06%
CURRENT VS 5Y AVG
-3.21%
CURRENT VS 10Y AVG
-9.03%
CURRENT VS 15Y AVG
-5.05%
CURRENT VS 20Y AVG
+3.20%
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 469 covered companies
CURRENT VS SECTOR MEDIAN
+81.16%
vs the sector median at left
Greene County Bancorp, Inc.
Market Cap
$595.89M
Operating Margin
32.12%
TTM Avg
32.02%
3Y Avg
26.98%
5Y Avg
33.18%
Market Cap
$585.21M
Operating Margin
-358.60%
TTM Avg
-237.62%
3Y Avg
-264.25%
5Y Avg
-264.25%
Market Cap
$585.59M
Operating Margin
13.66%
TTM Avg
11.34%
3Y Avg
3.91%
5Y Avg
14.51%
Market Cap
$572.67M
Operating Margin
13.20%
TTM Avg
19.04%
3Y Avg
25.89%
5Y Avg
29.84%
Market Cap
$594.97M
Operating Margin
22.51%
TTM Avg
20.57%
3Y Avg
24.16%
5Y Avg
24.99%
Market Cap
$595.83M
Operating Margin
N/A
TTM Avg
-317.88%
3Y Avg
-805.85%
5Y Avg
-866.17%
Market Cap
$564.89M
Operating Margin
25.50%
TTM Avg
16.84%
3Y Avg
26.38%
5Y Avg
31.19%
Market Cap
$561.74M
Operating Margin
21.66%
TTM Avg
18.39%
3Y Avg
22.70%
5Y Avg
26.05%
Market Cap
$560.55M
Operating Margin
13.20%
TTM Avg
19.04%
3Y Avg
25.89%
5Y Avg
29.84%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Greene County Bancorp, Inc. (GCBC) | $595.89M | 32.12% | 32.02% | 26.98% | 33.18% |
| Gemini Space Station, Inc. (GEMI)vs › | $585.21M | -358.60% | -237.62% | -264.25% | -264.25% |
| Kearny Financial Corp. (KRNY)vs › | $585.59M | 13.66% | 11.34% | 3.91% | 14.51% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $572.67M | 13.20% | 19.04% | 25.89% | 29.84% |
| First Business Financial Services, Inc. (FBIZ)vs › | $594.97M | 22.51% | 20.57% | 24.16% | 24.99% |
| Chaince Digital Holdings Inc. (CD)vs › | $595.83M | N/A | -317.88% | -805.85% | -866.17% |
| Community West Bancshares (CWBC)vs › | $564.89M | 25.50% | 16.84% | 26.38% | 31.19% |
| Civista Bancshares, Inc. (CIVB)vs › | $561.74M | 21.66% | 18.39% | 22.70% | 26.05% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 13.20% | 19.04% | 25.89% | 29.84% |
| Forward Industries, Inc. (FWDI)vs › | $604.41M | -35.00% | -20.70% | -9.86% | -7.36% |
Operating Margin
32.1%
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 | 34.70% |
| 2026-03-31 | 33.52% |
| 2025-12-31 | 31.53% |
| 2025-09-30 | 28.61% |
| 2025-06-30 | 31.76% |
| 2025-03-31 | 26.58% |
| 2024-12-31 | 24.27% |
| 2024-09-30 | 21.23% |
| 2024-06-30 | 22.00% |
| 2024-03-31 | 20.97% |
| 2023-12-31 | 21.91% |
| 2023-09-30 | 26.58% |
| 2023-06-30 | 27.04% |
| 2023-03-31 | 37.50% |
| 2022-12-31 | 36.81% |
| 2022-09-30 | 48.92% |
| 2022-06-30 | 40.13% |
| 2022-03-31 | 46.76% |
| 2021-12-31 | 42.39% |
| 2021-09-30 | 45.19% |
| 2021-06-30 | 48.47% |
| 2021-03-31 | 35.75% |
| 2020-12-31 | 41.52% |
| 2020-09-30 | 35.79% |
| 2020-06-30 | 33.39% |
| 2020-03-31 | 29.65% |
| 2019-12-31 | 38.69% |
| 2019-09-30 | 38.95% |
| 2019-06-30 | 34.11% |
| 2019-03-31 | 37.91% |
| 2018-12-31 | 40.86% |
| 2018-09-30 | 41.34% |
| 2018-06-30 | 36.35% |
| 2018-03-31 | 39.13% |
| 2017-12-31 | 41.42% |
| 2017-09-30 | 43.12% |
| 2017-06-30 | 36.21% |
| 2017-03-31 | 38.46% |
| 2016-12-31 | 39.31% |
| 2016-09-30 | 35.66% |
| 2016-06-30 | 33.11% |
| 2016-03-31 | 32.30% |
| 2015-12-31 | 34.82% |
| 2015-09-30 | 33.56% |
| 2015-06-30 | 28.57% |
| 2015-03-31 | 29.40% |
| 2014-12-31 | 31.64% |
| 2014-09-30 | 31.91% |
| 2014-06-30 | 28.65% |
| 2014-03-31 | 28.31% |
| 2013-12-31 | 33.38% |
| 2013-09-30 | 34.46% |
| 2013-06-30 | 27.29% |
| 2013-03-31 | 30.42% |
| 2012-12-31 | 32.14% |
| 2012-09-30 | 34.47% |
| 2012-06-30 | 26.34% |
| 2012-03-31 | 28.94% |
| 2011-12-31 | 30.42% |
| 2011-09-30 | 30.75% |
| 2011-06-30 | 28.16% |
| 2011-03-31 | 26.24% |
| 2010-12-31 | 27.68% |
| 2010-09-30 | 28.49% |
| 2010-06-30 | 27.92% |
| 2010-03-31 | 26.66% |
| 2009-12-31 | 26.60% |
| 2009-09-30 | 26.40% |
| 2009-06-30 | 21.13% |
| 2009-03-31 | 23.98% |
| 2008-12-31 | 22.75% |
| 2008-09-30 | 18.33% |
| 2008-06-30 | 19.42% |
| 2008-03-31 | 15.80% |
| 2007-12-31 | 14.78% |
| 2007-09-30 | 14.18% |
| 2007-06-30 | 9.91% |
| 2007-03-31 | 9.04% |
| 2006-12-31 | 20.38% |
| 2006-09-30 | 21.40% |
| 2006-06-30 | 13.24% |
| 2006-03-31 | 17.56% |
| 2005-12-31 | 16.81% |
| 2005-09-30 | 21.09% |
| 2005-06-30 | 22.80% |
| 2005-03-31 | 23.97% |
| 2004-12-31 | 26.72% |
| 2004-09-30 | 26.88% |
| 2004-06-30 | 23.73% |
| 2004-03-31 | 26.70% |
| 2003-12-31 | 26.55% |
| 2003-09-30 | 26.01% |
| 2003-06-30 | 18.29% |
| 2003-03-31 | 19.86% |
| 2002-12-31 | 20.96% |
| 2002-09-30 | 23.14% |
