Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 23.17% is in line with its 5-year average of 24.12%, around the middle of its 5-year range (8.04%–50.85%).
5.35% above its 12-month average of 21.99%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 28.20%.
NET PROFIT MARGIN
23.17%
NET PROFIT MARGIN AVG TTM
21.99%
NET PROFIT MARGIN AVG 3Y
18.02%
NET PROFIT MARGIN AVG 5Y
24.12%
NET PROFIT MARGIN AVG 10Y
24.07%
NET PROFIT MARGIN AVG 15Y
21.27%
NET PROFIT MARGIN AVG 20Y
18.65%
CURRENT VS TTM AVG
+5.35%
CURRENT VS 3Y AVG
+28.55%
CURRENT VS 5Y AVG
-3.95%
CURRENT VS 10Y AVG
-3.72%
CURRENT VS 15Y AVG
+8.92%
CURRENT VS 20Y AVG
+24.24%
SECTOR MEDIAN · FINANCIAL SERVICES
13.02%
median of 697 covered companies
CURRENT VS SECTOR MEDIAN
+77.96%
vs the sector median at left
Heritage Financial Corporation
Market Cap
$1.15B
Net Profit Margin
23.17%
TTM Avg
21.99%
3Y Avg
18.02%
5Y Avg
24.12%
Market Cap
$1.14B
Net Profit Margin
18.89%
TTM Avg
16.34%
3Y Avg
18.05%
5Y Avg
20.03%
Market Cap
$1.22B
Net Profit Margin
23.50%
TTM Avg
27.48%
3Y Avg
29.82%
5Y Avg
29.82%
Market Cap
$1.06B
Net Profit Margin
1.53%
TTM Avg
0.30%
3Y Avg
-2.09%
5Y Avg
-2.44%
Market Cap
$1.06B
Net Profit Margin
20.97%
TTM Avg
25.16%
3Y Avg
24.43%
5Y Avg
20.01%
Market Cap
$1.23B
Net Profit Margin
26.75%
TTM Avg
25.95%
3Y Avg
31.45%
5Y Avg
33.47%
Market Cap
$1.05B
Net Profit Margin
N/A
TTM Avg
13.16%
3Y Avg
-0.06%
5Y Avg
7.85%
Market Cap
$1.05B
Net Profit Margin
25.88%
TTM Avg
22.81%
3Y Avg
27.06%
5Y Avg
33.31%
Market Cap
$1.04B
Net Profit Margin
28.16%
TTM Avg
25.84%
3Y Avg
24.65%
5Y Avg
30.95%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Heritage Financial Corporation (HFWA) | $1.15B | 23.17% | 21.99% | 18.02% | 24.12% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 18.89% | 16.34% | 18.05% | 20.03% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 23.50% | 27.48% | 29.82% | 29.82% |
| Trupanion, Inc. (TRUP)vs › | $1.06B | 1.53% | 0.30% | -2.09% | -2.44% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 20.97% | 25.16% | 24.43% | 20.01% |
| Preferred Bank (PFBC)vs › | $1.23B | 26.75% | 25.95% | 31.45% | 33.47% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 13.16% | -0.06% | 7.85% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 25.88% | 22.81% | 27.06% | 33.31% |
| Northeast Bank (NBN)vs › | $1.04B | 28.16% | 25.84% | 24.65% | 30.95% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 15.13% | 21.20% | 31.48% | 43.48% |
Operating Margin
23.1%
Net Profit Margin
23.2%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 28.20% |
| 2026-03-31 | 19.07% |
| 2025-12-31 | 25.60% |
| 2025-09-30 | 21.82% |
| 2025-06-30 | 15.27% |
| 2025-03-31 | 17.12% |
| 2024-12-31 | 14.50% |
| 2024-09-30 | 13.99% |
| 2024-06-30 | 17.30% |
| 2024-03-31 | 8.04% |
| 2023-12-31 | 8.76% |
| 2023-09-30 | 22.85% |
| 2023-06-30 | 21.78% |
| 2023-03-31 | 27.30% |
| 2022-12-31 | 31.05% |
| 2022-09-30 | 30.61% |
| 2022-06-30 | 31.63% |
| 2022-03-31 | 34.58% |
| 2021-12-31 | 32.64% |
| 2021-09-30 | 33.61% |
| 2021-06-30 | 50.85% |
| 2021-03-31 | 40.59% |
| 2020-12-31 | 36.21% |
| 2020-09-30 | 27.37% |
| 2020-06-30 | -9.86% |
| 2020-03-31 | 19.48% |
| 2019-12-31 | 27.20% |
| 2019-09-30 | 28.25% |
| 2019-06-30 | 25.46% |
| 2019-03-31 | 27.03% |
| 2018-12-31 | 26.23% |
| 2018-09-30 | 24.74% |
| 2018-06-30 | 21.86% |
| 2018-03-31 | 17.89% |
| 2017-12-31 | 20.62% |
| 2017-09-30 | 23.24% |
| 2017-06-30 | 25.30% |
| 2017-03-31 | 22.07% |
| 2016-12-31 | 23.14% |
| 2016-09-30 | 24.54% |
| 2016-06-30 | 21.61% |
| 2016-03-31 | 22.05% |
| 2015-12-31 | 22.87% |
| 2015-09-30 | 22.06% |
| 2015-06-30 | 21.35% |
| 2015-03-31 | 22.96% |
| 2014-12-31 | 17.14% |
| 2014-09-30 | 17.45% |
| 2014-06-30 | 11.93% |
| 2014-03-31 | 12.77% |
| 2013-12-31 | 3.39% |
| 2013-09-30 | 15.58% |
| 2013-06-30 | 14.02% |
| 2013-03-31 | 14.90% |
| 2012-12-31 | 16.49% |
| 2012-09-30 | 15.43% |
| 2012-06-30 | 16.44% |
| 2012-03-31 | 21.00% |
| 2011-12-31 | 10.76% |
| 2011-09-30 | 9.58% |
| 2011-06-30 | 8.38% |
| 2011-03-31 | 3.74% |
| 2010-12-31 | 44.53% |
| 2010-09-30 | 11.76% |
| 2010-06-30 | 5.76% |
| 2010-03-31 | 4.64% |
| 2009-12-31 | 4.97% |
| 2009-09-30 | 2.02% |
| 2009-06-30 | 0.58% |
| 2009-03-31 | -3.84% |
| 2008-12-31 | -1.20% |
| 2008-09-30 | 12.66% |
| 2008-06-30 | 11.10% |
| 2008-03-31 | 15.70% |
| 2007-12-31 | 15.69% |
| 2007-09-30 | 15.89% |
| 2007-06-30 | 14.71% |
| 2007-03-31 | 13.99% |
| 2006-12-31 | 15.16% |
| 2006-09-30 | 17.15% |
| 2006-06-30 | 16.54% |
| 2006-03-31 | 18.13% |
| 2005-12-31 | 19.33% |
| 2005-09-30 | 20.47% |
| 2005-06-30 | 19.62% |
| 2005-03-31 | 21.17% |
| 2004-12-31 | 22.02% |
| 2004-09-30 | 21.46% |
| 2004-06-30 | 20.52% |
| 2004-03-31 | 20.29% |
| 2003-12-31 | 20.43% |
| 2003-09-30 | 21.54% |
| 2003-06-30 | 19.72% |
| 2003-03-31 | 18.90% |
| 2002-12-31 | 20.72% |
| 2002-09-30 | 21.28% |
