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 49.20% is in line with its 5-year average of 50.05%, near the low end of its 5-year range (45.85%–61.19%).
0.45% above its 12-month average of 48.98%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 45.85%.
OPERATING MARGIN
49.20%
OPERATING MARGIN AVG TTM
48.98%
OPERATING MARGIN AVG 3Y
49.83%
OPERATING MARGIN AVG 5Y
50.05%
OPERATING MARGIN AVG 10Y
45.47%
OPERATING MARGIN AVG 15Y
41.72%
OPERATING MARGIN AVG 20Y
38.04%
CURRENT VS TTM AVG
+0.45%
CURRENT VS 3Y AVG
-1.27%
CURRENT VS 5Y AVG
-1.69%
CURRENT VS 10Y AVG
+8.19%
CURRENT VS 15Y AVG
+17.92%
CURRENT VS 20Y AVG
+29.33%
SECTOR MEDIAN · FINANCIAL SERVICES
17.85%
median of 499 covered companies
CURRENT VS SECTOR MEDIAN
+175.63%
vs the sector median at left
International Bancshares Corporation
Market Cap
$4.32B
Operating Margin
49.20%
TTM Avg
48.98%
3Y Avg
49.83%
5Y Avg
50.05%
Market Cap
$4.32B
Operating Margin
25.73%
TTM Avg
22.41%
3Y Avg
24.96%
5Y Avg
25.69%
Market Cap
$4.24B
Operating Margin
-90.64%
TTM Avg
-22.00%
3Y Avg
-139.75%
5Y Avg
-136.75%
Market Cap
$4.59B
Operating Margin
25.73%
TTM Avg
22.41%
3Y Avg
24.96%
5Y Avg
25.69%
Market Cap
$4.05B
Operating Margin
33.16%
TTM Avg
26.13%
3Y Avg
33.77%
5Y Avg
37.03%
Market Cap
$4.59B
Operating Margin
38.00%
TTM Avg
37.14%
3Y Avg
41.08%
5Y Avg
44.56%
Market Cap
$3.92B
Operating Margin
41.06%
TTM Avg
33.55%
3Y Avg
34.94%
5Y Avg
34.72%
Market Cap
$3.88B
Operating Margin
15.37%
TTM Avg
14.21%
3Y Avg
13.04%
5Y Avg
12.66%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| International Bancshares Corporation (IBOC) | $4.32B | 49.20% | 48.98% | 49.83% | 50.05% |
| Fulton Financial Corporation (FULT)vs › | $4.32B | 25.73% | 22.41% | 24.96% | 25.69% |
| Marathon Digital Holdings, Inc. (MARA)vs › | $4.24B | -90.64% | -22.00% | -139.75% | -136.75% |
| Defiance Quantum ETF (QTUM)vs › | $4.15B | N/A | N/A | N/A | N/A |
| Fulton Financial Corporation (FULTP)vs › | $4.59B | 25.73% | 22.41% | 24.96% | 25.69% |
| Cathay General Bancorp (CATY)vs › | $4.05B | 33.16% | 26.13% | 33.77% | 37.03% |
| First Financial Bankshares, Inc. (FFIN)vs › | $4.59B | 38.00% | 37.14% | 41.08% | 44.56% |
| BFC Capital Trust II PFD TR 7.20% (BANFP)vs › | $3.92B | 41.06% | 33.55% | 34.94% | 34.72% |
| CorVel Corporation (CRVL)vs › | $3.88B | 15.37% | 14.21% | 13.04% | 12.66% |
| Independent Bank Corp. (INDB)vs › | $3.86B | 22.66% | 24.12% | 32.30% | 31.61% |
Operating Margin
49.2%
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 | 45.85% |
| 2026-03-31 | 50.29% |
| 2025-12-31 | 50.54% |
| 2025-09-30 | 50.07% |
| 2025-06-30 | 48.14% |
| 2025-03-31 | 48.13% |
| 2024-12-31 | 50.84% |
| 2024-09-30 | 47.64% |
| 2024-06-30 | 48.18% |
| 2024-03-31 | 48.45% |
| 2023-12-31 | 52.98% |
| 2023-09-30 | 52.51% |
| 2023-06-30 | 54.20% |
| 2023-03-31 | 56.42% |
| 2022-12-31 | 61.19% |
| 2022-09-30 | 53.14% |
| 2022-06-30 | 48.19% |
| 2022-03-31 | 48.56% |
| 2021-12-31 | 50.10% |
| 2021-09-30 | 46.62% |
| 2021-06-30 | 60.30% |
| 2021-03-31 | 47.62% |
| 2020-12-31 | 44.72% |
| 2020-09-30 | 37.91% |
| 2020-06-30 | 35.69% |
| 2020-03-31 | 29.10% |
| 2019-12-31 | 41.08% |
| 2019-09-30 | 39.31% |
| 2019-06-30 | 39.63% |
| 2019-03-31 | 40.68% |
| 2018-12-31 | 45.10% |
| 2018-09-30 | 40.42% |
| 2018-06-30 | 42.39% |
| 2018-03-31 | 45.00% |
| 2017-12-31 | 41.05% |
| 2017-09-30 | 40.47% |
| 2017-06-30 | 39.25% |
| 2017-03-31 | 35.73% |
| 2016-12-31 | 37.03% |
| 2016-09-30 | 36.94% |
| 2016-06-30 | 33.01% |
| 2016-03-31 | 36.32% |
| 2015-12-31 | 38.43% |
| 2015-09-30 | 34.01% |
| 2015-06-30 | 37.29% |
| 2015-03-31 | 40.25% |
| 2014-12-31 | 41.87% |
| 2014-09-30 | 37.11% |
| 2014-06-30 | 40.40% |
| 2014-03-31 | 41.19% |
| 2013-12-31 | 39.51% |
| 2013-09-30 | 34.60% |
| 2013-06-30 | 31.03% |
| 2013-03-31 | 26.79% |
| 2012-12-31 | 28.67% |
| 2012-09-30 | 22.99% |
| 2012-06-30 | 26.96% |
| 2012-03-31 | 32.29% |
| 2011-12-31 | 29.65% |
| 2011-09-30 | 29.58% |
| 2011-06-30 | 31.63% |
| 2011-03-31 | 32.57% |
| 2010-12-31 | 32.81% |
| 2010-09-30 | 29.18% |
| 2010-06-30 | 31.97% |
| 2010-03-31 | 25.43% |
| 2009-12-31 | 33.17% |
| 2009-09-30 | 31.66% |
| 2009-06-30 | 25.05% |
| 2009-03-31 | 31.67% |
| 2008-12-31 | 26.68% |
| 2008-09-30 | 27.15% |
| 2008-06-30 | 26.96% |
| 2008-03-31 | 26.35% |
| 2007-12-31 | 23.52% |
| 2007-09-30 | 23.92% |
| 2007-06-30 | 24.93% |
| 2007-03-31 | 14.59% |
| 2006-12-31 | 22.90% |
| 2006-09-30 | 19.85% |
| 2006-06-30 | 26.10% |
| 2006-03-31 | 19.39% |
| 2005-12-31 | 29.58% |
| 2005-09-30 | 30.25% |
| 2005-06-30 | 30.62% |
| 2005-03-31 | 35.40% |
| 2004-12-31 | 34.06% |
| 2004-09-30 | 35.14% |
| 2004-06-30 | 37.69% |
| 2004-03-31 | 39.82% |
| 2003-12-31 | 39.21% |
| 2003-09-30 | 44.13% |
| 2003-06-30 | 38.14% |
| 2003-03-31 | 42.34% |
| 2002-12-31 | 36.62% |
| 2002-09-30 | 39.79% |
