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 36.55% is 16% below its 5-year average of 43.68%, near the low end of its 5-year range (30.14%–68.48%).
2.01% below its 12-month average of 37.30%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 35.33%.
OPERATING MARGIN
36.55%
OPERATING MARGIN AVG TTM
37.30%
OPERATING MARGIN AVG 3Y
37.20%
OPERATING MARGIN AVG 5Y
43.68%
OPERATING MARGIN AVG 10Y
47.26%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-2.01%
CURRENT VS 3Y AVG
-1.74%
CURRENT VS 5Y AVG
-16.32%
CURRENT VS 10Y AVG
-22.66%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
17.79%
median of 500 covered companies
CURRENT VS SECTOR MEDIAN
+105.45%
vs the sector median at left
MetroCity Bankshares, Inc.
Market Cap
$1.01B
Operating Margin
36.55%
TTM Avg
37.30%
3Y Avg
37.20%
5Y Avg
43.68%
Market Cap
$1.01B
Operating Margin
22.15%
TTM Avg
20.15%
3Y Avg
22.44%
5Y Avg
23.89%
Market Cap
$1.01B
Operating Margin
23.26%
TTM Avg
19.54%
3Y Avg
23.37%
5Y Avg
24.70%
Market Cap
$1.02B
Operating Margin
23.26%
TTM Avg
19.54%
3Y Avg
23.37%
5Y Avg
24.70%
Market Cap
$994.28M
Operating Margin
-197.96%
TTM Avg
-92.85%
3Y Avg
-33.88%
5Y Avg
-10.53%
Market Cap
$1.02B
Operating Margin
28.78%
TTM Avg
27.31%
3Y Avg
30.97%
5Y Avg
31.56%
Market Cap
$1.03B
Operating Margin
40.57%
TTM Avg
42.26%
3Y Avg
43.91%
5Y Avg
40.41%
Market Cap
$1.05B
Operating Margin
N/A
TTM Avg
17.07%
3Y Avg
-1.23%
5Y Avg
9.10%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| MetroCity Bankshares, Inc. (MCBS) | $1.01B | 36.55% | 37.30% | 37.20% | 43.68% |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 22.15% | 20.15% | 22.44% | 23.89% |
| CNB Financial Corporation (CCNE)vs › | $1.01B | 23.26% | 19.54% | 23.37% | 24.70% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.26% | 19.54% | 23.37% | 24.70% |
| Horizon Bancorp, Inc. (HBNC)vs › | $994.28M | -197.96% | -92.85% | -33.88% | -10.53% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 28.78% | 27.31% | 30.97% | 31.56% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.03B | 40.57% | 42.26% | 43.91% | 40.41% |
| Northeast Bank (NBN)vs › | $1.05B | 38.56% | 37.02% | 36.02% | 44.83% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 17.07% | -1.23% | 9.10% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 34.63% | 31.64% | 37.73% | 41.59% |
Operating Margin
36.5%
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 | 35.33% |
| 2026-03-31 | 33.61% |
| 2025-12-31 | 38.35% |
| 2025-09-30 | 39.61% |
| 2025-06-30 | 39.59% |
| 2025-03-31 | 38.08% |
| 2024-12-31 | 36.98% |
| 2024-09-30 | 37.49% |
| 2024-06-30 | 39.16% |
| 2024-03-31 | 35.30% |
| 2023-12-31 | 30.14% |
| 2023-09-30 | 30.47% |
| 2023-06-30 | 35.68% |
| 2023-03-31 | 41.39% |
| 2022-12-31 | 46.95% |
| 2022-09-30 | 55.08% |
| 2022-06-30 | 57.74% |
| 2022-03-31 | 65.71% |
| 2021-12-31 | 68.48% |
| 2021-09-30 | 56.70% |
| 2021-06-30 | 55.45% |
| 2021-03-31 | 56.43% |
| 2020-12-31 | 51.97% |
| 2020-09-30 | 47.15% |
| 2020-06-30 | 42.95% |
| 2020-03-31 | 47.47% |
| 2019-12-31 | 52.03% |
| 2019-09-30 | 51.10% |
| 2019-06-30 | 52.90% |
| 2019-03-31 | 44.60% |
| 2018-12-31 | 53.06% |
| 2018-09-30 | 47.72% |
| 2018-06-30 | 53.62% |
| 2018-03-31 | 55.18% |
| 2017-12-31 | 54.00% |
| 2017-09-30 | 49.35% |
| 2017-06-30 | 54.43% |
| 2017-03-31 | 57.70% |
| 2016-12-31 | 49.90% |
| 2016-09-30 | 46.73% |
| 2016-06-30 | 51.94% |
| 2016-03-31 | 55.43% |
| 2015-12-31 | 49.09% |
| 2015-09-30 | 55.53% |
| 2015-06-30 | 56.84% |
| 2015-03-31 | 58.22% |
