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 31.81% is in line with its 5-year average of 35.12%, around the middle of its 5-year range (17.18%–54.12%).
0.45% above its 12-month average of 31.67%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 32.38%.
OPERATING MARGIN
31.81%
OPERATING MARGIN AVG TTM
31.67%
OPERATING MARGIN AVG 3Y
29.13%
OPERATING MARGIN AVG 5Y
35.12%
OPERATING MARGIN AVG 10Y
39.98%
OPERATING MARGIN AVG 15Y
40.99%
OPERATING MARGIN AVG 20Y
36.19%
CURRENT VS TTM AVG
+0.45%
CURRENT VS 3Y AVG
+9.19%
CURRENT VS 5Y AVG
-9.42%
CURRENT VS 10Y AVG
-20.44%
CURRENT VS 15Y AVG
-22.39%
CURRENT VS 20Y AVG
-12.10%
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 507 covered companies
CURRENT VS SECTOR MEDIAN
+79.41%
vs the sector median at left
Lakeland Financial Corporation
Market Cap
$1.46B
Operating Margin
31.81%
TTM Avg
31.67%
3Y Avg
29.13%
5Y Avg
35.12%
Market Cap
$1.47B
Operating Margin
76.87%
TTM Avg
62.67%
3Y Avg
56.33%
5Y Avg
57.90%
Market Cap
$1.43B
Operating Margin
31.03%
TTM Avg
32.09%
3Y Avg
33.68%
5Y Avg
32.71%
Market Cap
$1.41B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.40B
Operating Margin
27.12%
TTM Avg
19.78%
3Y Avg
24.01%
5Y Avg
25.57%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
Market Cap
$1.54B
Operating Margin
18.07%
TTM Avg
18.51%
3Y Avg
26.12%
5Y Avg
31.29%
Market Cap
$1.56B
Operating Margin
26.21%
TTM Avg
32.61%
3Y Avg
31.26%
5Y Avg
29.92%
Market Cap
$1.55B
Operating Margin
-56.74%
TTM Avg
26.01%
3Y Avg
-306.25%
5Y Avg
-206.83%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Lakeland Financial Corporation (LKFN) | $1.46B | 31.81% | 31.67% | 29.13% | 35.12% |
| Capital Southwest Corporation (CSWC)vs › | $1.47B | 76.87% | 62.67% | 56.33% | 57.90% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 31.03% | 32.09% | 33.68% | 32.71% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 17.73% | 26.41% | 31.96% | 34.24% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 27.12% | 19.78% | 24.01% | 25.57% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.54B | 18.07% | 18.51% | 26.12% | 31.29% |
| Pathward Financial, Inc. (CASH)vs › | $1.56B | 26.21% | 32.61% | 31.26% | 29.92% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.55B | -56.74% | 26.01% | -306.25% | -206.83% |
| HBT Financial, Inc. (HBT)vs › | $1.33B | 31.83% | 34.89% | 36.04% | 37.07% |
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 | 32.38% |
| 2026-03-31 | 31.03% |
| 2025-12-31 | 34.10% |
| 2025-09-30 | 29.73% |
| 2025-06-30 | 31.10% |
| 2025-03-31 | 23.91% |
| 2024-12-31 | 27.77% |
| 2024-09-30 | 25.94% |
| 2024-06-30 | 23.58% |
| 2024-03-31 | 26.82% |
| 2023-12-31 | 33.34% |
| 2023-09-30 | 29.89% |
| 2023-06-30 | 17.18% |
| 2023-03-31 | 31.33% |
| 2022-12-31 | 32.46% |
| 2022-09-30 | 47.80% |
| 2022-06-30 | 48.75% |
| 2022-03-31 | 50.65% |
| 2021-12-31 | 54.12% |
| 2021-09-30 | 51.69% |
| 2021-06-30 | 53.90% |
| 2021-03-31 | 48.96% |
| 2020-12-31 | 52.41% |
| 2020-09-30 | 50.21% |
| 2020-06-30 | 43.71% |
| 2020-03-31 | 35.90% |
| 2019-12-31 | 45.56% |
| 2019-09-30 | 42.24% |
| 2019-06-30 | 42.61% |
| 2019-03-31 | 41.63% |
| 2018-12-31 | 43.69% |
| 2018-09-30 | 43.15% |
| 2018-06-30 | 44.91% |
| 2018-03-31 | 40.42% |
| 2017-12-31 | 45.53% |
| 2017-09-30 | 46.75% |
| 2017-06-30 | 47.77% |
| 2017-03-31 | 45.24% |
| 2016-12-31 | 46.72% |
| 2016-09-30 | 47.44% |
| 2016-06-30 | 46.88% |
| 2016-03-31 | 47.73% |
| 2015-12-31 | 48.12% |
| 2015-09-30 | 47.15% |
| 2015-06-30 | 47.24% |
| 2015-03-31 | 46.49% |
| 2014-12-31 | 46.79% |
| 2014-09-30 | 47.63% |
| 2014-06-30 | 48.27% |
| 2014-03-31 | 44.78% |
| 2013-12-31 | 45.48% |
| 2013-09-30 | 43.54% |
| 2013-06-30 | 44.12% |
| 2013-03-31 | 42.63% |
| 2012-12-31 | 41.91% |
| 2012-09-30 | 41.74% |
| 2012-06-30 | 38.85% |
| 2012-03-31 | 36.99% |
| 2011-12-31 | 33.42% |
| 2011-09-30 | 35.39% |
| 2011-06-30 | 32.88% |
| 2011-03-31 | 24.15% |
| 2010-12-31 | 22.72% |
| 2010-09-30 | 25.85% |
| 2010-06-30 | 25.81% |
| 2010-03-31 | 26.31% |
| 2009-12-31 | 22.73% |
| 2009-09-30 | 22.68% |
| 2009-06-30 | 18.57% |
| 2009-03-31 | 13.96% |
| 2008-12-31 | 18.98% |
| 2008-09-30 | 21.04% |
| 2008-06-30 | 19.56% |
| 2008-03-31 | 21.89% |
| 2007-12-31 | 19.31% |
| 2007-09-30 | 17.78% |
| 2007-06-30 | 22.24% |
| 2007-03-31 | 20.66% |
| 2006-12-31 | 20.00% |
| 2006-09-30 | 22.81% |
| 2006-06-30 | 23.91% |
| 2006-03-31 | 24.87% |
| 2005-12-31 | 27.21% |
| 2005-09-30 | 27.27% |
| 2005-06-30 | 28.89% |
| 2005-03-31 | 28.48% |
| 2004-12-31 | 27.74% |
| 2004-09-30 | 30.68% |
| 2004-06-30 | 27.26% |
| 2004-03-31 | 28.40% |
| 2003-12-31 | 22.35% |
| 2003-09-30 | 28.01% |
| 2003-06-30 | 27.83% |
| 2003-03-31 | 26.73% |
| 2002-12-31 | 27.08% |
| 2002-09-30 | 22.73% |
