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 28.04% is in line with its 5-year average of 28.02%, near the low end of its 5-year range (19.47%–54.64%).
0.70% above its 12-month average of 27.85%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 27.40%.
OPERATING MARGIN
28.04%
OPERATING MARGIN AVG TTM
27.85%
OPERATING MARGIN AVG 3Y
25.83%
OPERATING MARGIN AVG 5Y
28.02%
OPERATING MARGIN AVG 10Y
30.00%
OPERATING MARGIN AVG 15Y
27.83%
OPERATING MARGIN AVG 20Y
26.05%
CURRENT VS TTM AVG
+0.70%
CURRENT VS 3Y AVG
+8.55%
CURRENT VS 5Y AVG
+0.09%
CURRENT VS 10Y AVG
-6.54%
CURRENT VS 15Y AVG
+0.75%
CURRENT VS 20Y AVG
+7.63%
SECTOR MEDIAN · FINANCIAL SERVICES
17.79%
median of 464 covered companies
CURRENT VS SECTOR MEDIAN
+57.62%
vs the sector median at left
Home Bancorp, Inc.
Market Cap
$531.65M
Operating Margin
28.04%
TTM Avg
27.85%
3Y Avg
25.83%
5Y Avg
28.02%
Market Cap
$530.46M
Operating Margin
26.96%
TTM Avg
15.08%
3Y Avg
23.67%
5Y Avg
23.78%
Market Cap
$514.27M
Operating Margin
30.09%
TTM Avg
28.05%
3Y Avg
28.78%
5Y Avg
32.54%
Market Cap
$515.37M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$555.87M
Operating Margin
17.70%
TTM Avg
15.80%
3Y Avg
13.47%
5Y Avg
16.78%
Market Cap
$556.96M
Operating Margin
-49.85%
TTM Avg
-16.51%
3Y Avg
-100.46%
5Y Avg
-64.72%
Market Cap
$560.55M
Operating Margin
13.20%
TTM Avg
19.04%
3Y Avg
25.89%
5Y Avg
29.84%
Market Cap
$561.74M
Operating Margin
21.66%
TTM Avg
18.39%
3Y Avg
22.70%
5Y Avg
26.05%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Home Bancorp, Inc. (HBCP) | $531.65M | 28.04% | 27.85% | 25.83% | 28.02% |
| Bankwell Financial Group, Inc. (BWFG)vs › | $530.46M | 26.96% | 15.08% | 23.67% | 23.78% |
| Bank7 Corp. (BSVN)vs › | $536.89M | 41.46% | 41.81% | 40.04% | 43.34% |
| Sierra Bancorp (BSRR)vs › | $514.27M | 30.09% | 28.05% | 28.78% | 32.54% |
| Churchill Capital Corp XI (CCXI)vs › | $515.37M | 0.00% | 0.00% | 0.00% | 0.00% |
| Investors Title Company (ITIC)vs › | $555.87M | 17.70% | 15.80% | 13.47% | 16.78% |
| Bit Digital, Inc. (BTBT)vs › | $556.96M | -49.85% | -16.51% | -100.46% | -64.72% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 13.20% | 19.04% | 25.89% | 29.84% |
| Civista Bancshares, Inc. (CIVB)vs › | $561.74M | 21.66% | 18.39% | 22.70% | 26.05% |
| Donegal Group Inc. (DGICB)vs › | $546.96M | 9.10% | 8.14% | 4.10% | 4.71% |
Operating Margin
28.0%
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 | 27.40% |
| 2026-03-31 | 27.89% |
| 2025-12-31 | 27.52% |
| 2025-09-30 | 29.35% |
| 2025-06-30 | 27.07% |
| 2025-03-31 | 26.92% |
| 2024-12-31 | 23.31% |
| 2024-09-30 | 22.86% |
| 2024-06-30 | 20.48% |
| 2024-03-31 | 24.00% |
| 2023-12-31 | 24.51% |
| 2023-09-30 | 26.29% |
| 2023-06-30 | 28.23% |
| 2023-03-31 | 34.16% |
| 2022-12-31 | 33.70% |
| 2022-09-30 | 34.53% |
| 2022-06-30 | 30.92% |
| 2022-03-31 | 19.47% |
| 2021-12-31 | 43.70% |
| 2021-09-30 | 54.64% |
| 2021-06-30 | 49.08% |
| 2021-03-31 | 48.06% |
| 2020-12-31 | 46.23% |
| 2020-09-30 | 36.95% |
| 2020-06-30 | 12.50% |
| 2020-03-31 | 10.51% |
| 2019-12-31 | 28.65% |
| 2019-09-30 | 26.97% |
| 2019-06-30 | 28.15% |
| 2019-03-31 | 32.26% |
| 2018-12-31 | 29.83% |
| 2018-09-30 | 35.21% |
| 2018-06-30 | 33.81% |
| 2018-03-31 | 33.44% |
| 2017-12-31 | 35.50% |
| 2017-09-30 | 31.31% |
| 2017-06-30 | 35.07% |
| 2017-03-31 | 36.94% |
| 2016-12-31 | 29.52% |
| 2016-09-30 | 34.14% |
| 2016-06-30 | 30.00% |
| 2016-03-31 | 25.99% |
| 2015-12-31 | 30.64% |
| 2015-09-30 | 27.90% |
| 2015-06-30 | 27.40% |
| 2015-03-31 | 28.04% |
| 2014-12-31 | 27.29% |
| 2014-09-30 | 27.81% |
| 2014-06-30 | 25.77% |
| 2014-03-31 | 14.52% |
| 2013-12-31 | 20.52% |
| 2013-09-30 | 28.65% |
| 2013-06-30 | 14.20% |
| 2013-03-31 | 22.17% |
| 2012-12-31 | 25.92% |
| 2012-09-30 | 32.08% |
| 2012-06-30 | 20.29% |
| 2012-03-31 | 24.16% |
| 2011-12-31 | 24.20% |
| 2011-09-30 | 10.33% |
| 2011-06-30 | 19.50% |
| 2011-03-31 | 13.78% |
| 2010-12-31 | 21.38% |
| 2010-09-30 | 13.19% |
| 2010-06-30 | 20.85% |
| 2010-03-31 | 15.32% |
| 2009-12-31 | 0.65% |
| 2009-09-30 | 24.13% |
| 2009-06-30 | 25.39% |
| 2009-03-31 | 31.13% |
| 2008-12-31 | -17.52% |
| 2008-09-30 | 27.18% |
| 2008-06-30 | 22.29% |
| 2008-03-31 | 20.98% |
| 2007-12-31 | 4.06% |
| 2007-09-30 | 20.91% |
| 2007-06-30 | 20.79% |
| 2007-03-31 | 21.91% |
