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 31.83% is 17% below its 5-year average of 38.36%, around the middle of its 5-year range (18.19%–46.69%).
2.32% below its 12-month average of 32.59%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 37.62%.
OPERATING MARGIN
31.83%
OPERATING MARGIN AVG TTM
32.59%
OPERATING MARGIN AVG 3Y
36.18%
OPERATING MARGIN AVG 5Y
38.36%
OPERATING MARGIN AVG 10Y
N/A
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-2.32%
CURRENT VS 3Y AVG
-12.01%
CURRENT VS 5Y AVG
-17.03%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+97.82%
vs the sector median at left
HBT Financial, Inc.
Market Cap
$1.32B
Operating Margin
31.83%
TTM Avg
32.59%
3Y Avg
36.18%
5Y Avg
38.36%
Market Cap
$1.32B
Operating Margin
21.65%
TTM Avg
23.05%
3Y Avg
27.93%
5Y Avg
25.84%
Market Cap
$1.32B
Operating Margin
25.12%
TTM Avg
24.23%
3Y Avg
25.88%
5Y Avg
26.66%
Market Cap
$1.29B
Operating Margin
29.60%
TTM Avg
30.75%
3Y Avg
34.03%
5Y Avg
30.43%
Market Cap
$1.38B
Operating Margin
56.07%
TTM Avg
59.20%
3Y Avg
62.02%
5Y Avg
58.91%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
Market Cap
$1.39B
Operating Margin
27.12%
TTM Avg
19.78%
3Y Avg
24.01%
5Y Avg
25.57%
Market Cap
$1.41B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| HBT Financial, Inc. (HBT) | $1.32B | 31.83% | 32.59% | 36.18% | 38.36% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.32B | 21.65% | 23.05% | 27.93% | 25.84% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 25.12% | 24.23% | 25.88% | 26.66% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 29.60% | 30.75% | 34.03% | 30.43% |
| Westamerica Bancorporation (WABC)vs › | $1.38B | 56.07% | 59.20% | 62.02% | 58.91% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.39B | 27.12% | 19.78% | 24.01% | 25.57% |
| Preferred Bank (PFBC)vs › | $1.24B | 38.22% | 36.67% | 44.13% | 46.94% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 17.73% | 26.41% | 31.96% | 34.24% |
| United Fire Group, Inc. (UFCS)vs › | $1.41B | 12.01% | 8.41% | 3.60% | 1.31% |
Operating Margin
31.8%
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 | 37.62% |
| 2026-03-31 | 18.19% |
| 2025-12-31 | 34.88% |
| 2025-09-30 | 36.16% |
| 2025-06-30 | 36.08% |
| 2025-03-31 | 35.39% |
| 2024-12-31 | 37.14% |
| 2024-09-30 | 33.88% |
| 2024-06-30 | 34.68% |
| 2024-03-31 | 30.56% |
| 2023-12-31 | 35.32% |
| 2023-09-30 | 39.04% |
| 2023-06-30 | 37.75% |
| 2023-03-31 | 20.58% |
| 2022-12-31 | 33.51% |
| 2022-09-30 | 45.28% |
| 2022-06-30 | 43.01% |
| 2022-03-31 | 42.57% |
| 2021-12-31 | 42.94% |
| 2021-09-30 | 46.39% |
| 2021-06-30 | 46.69% |
| 2021-03-31 | 50.67% |
| 2020-12-31 | 41.48% |
| 2020-09-30 | 35.80% |
| 2020-06-30 | 26.09% |
| 2020-03-31 | 21.93% |
| 2019-12-31 | 46.43% |
| 2019-09-30 | 41.56% |
| 2019-06-30 | 34.45% |
| 2019-03-31 | 43.37% |
| 2018-12-31 | 28.65% |
| 2018-09-30 | 41.95% |
| 2018-06-30 | 45.42% |
| 2018-03-31 | 46.72% |
