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 31.51% is 49% above its 5-year average of 21.20%, near the high end of its 5-year range (-117.00%–56.03%).
30.75% above its 12-month average of 24.10%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 27.94%.
OPERATING MARGIN
31.51%
OPERATING MARGIN AVG TTM
24.10%
OPERATING MARGIN AVG 3Y
16.34%
OPERATING MARGIN AVG 5Y
21.20%
OPERATING MARGIN AVG 10Y
18.87%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+30.75%
CURRENT VS 3Y AVG
+92.89%
CURRENT VS 5Y AVG
+48.67%
CURRENT VS 10Y AVG
+66.97%
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
+95.84%
vs the sector median at left
Mechanics Bank
Market Cap
$3.28B
Operating Margin
31.51%
TTM Avg
24.10%
3Y Avg
16.34%
5Y Avg
21.20%
Market Cap
$3.28B
Operating Margin
-85.86%
TTM Avg
-36.17%
3Y Avg
-6.83%
5Y Avg
7.41%
Market Cap
$3.29B
Operating Margin
26.86%
TTM Avg
23.70%
3Y Avg
26.79%
5Y Avg
28.30%
Market Cap
$3.23B
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.36B
Operating Margin
24.10%
TTM Avg
28.12%
3Y Avg
26.11%
5Y Avg
21.87%
Market Cap
$3.18B
Operating Margin
78.94%
TTM Avg
78.94%
3Y Avg
75.70%
5Y Avg
70.61%
Market Cap
$3.15B
Operating Margin
41.62%
TTM Avg
1.14%
3Y Avg
-26.08%
5Y Avg
-47.60%
Market Cap
$3.15B
Operating Margin
18.89%
TTM Avg
20.36%
3Y Avg
22.28%
5Y Avg
27.11%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Mechanics Bank (MCHB) | $3.28B | 31.51% | 24.10% | 16.34% | 21.20% |
| Simmons First National Corporation (SFNC)vs › | $3.28B | -85.86% | -36.17% | -6.83% | 7.41% |
| First Financial Bancorp. (FFBC)vs › | $3.29B | 26.86% | 23.70% | 26.79% | 28.30% |
| TowneBank (TOWN)vs › | $3.26B | 20.86% | 19.72% | 22.78% | 26.18% |
| iShares Core 80/20 Aggressive Allocation ETF (AOA)vs › | $3.23B | N/A | N/A | N/A | N/A |
| Palomar Holdings, Inc. (PLMR)vs › | $3.36B | 24.10% | 28.12% | 26.11% | 21.87% |
| Golub Capital BDC, Inc. (GBDC)vs › | $3.18B | 78.94% | 78.94% | 75.70% | 70.61% |
| CleanSpark, Inc. (CLSK)vs › | $3.15B | 41.62% | 1.14% | -26.08% | -47.60% |
| Seacoast Banking Corporation of Florida (SBCF)vs › | $3.15B | 18.89% | 20.36% | 22.28% | 27.11% |
| CVB Financial Corp. (CVBF)vs › | $3.14B | 39.23% | 42.48% | 47.70% | 51.09% |
Operating Margin
31.5%
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 | 27.94% |
| 2026-03-31 | 25.14% |
| 2025-12-31 | 56.03% |
| 2025-09-30 | 16.26% |
| 2025-06-30 | -4.87% |
| 2025-03-31 | 32.87% |
| 2024-12-31 | 34.67% |
| 2024-09-30 | 26.74% |
| 2024-06-30 | -7.00% |
| 2024-03-31 | -9.43% |
| 2023-12-31 | -3.57% |
| 2023-09-30 | 1.26% |
| 2023-06-30 | -117.00% |
| 2023-03-31 | 6.04% |
| 2022-12-31 | 10.73% |
| 2022-09-30 | 27.35% |
| 2022-06-30 | 27.80% |
| 2022-03-31 | 33.02% |
| 2021-12-31 | 42.12% |
| 2021-09-30 | 39.50% |
| 2021-06-30 | 41.32% |
| 2021-03-31 | 37.29% |
| 2020-12-31 | 33.04% |
| 2020-09-30 | 33.82% |
| 2020-06-30 | 24.37% |
| 2020-03-31 | 9.22% |
| 2019-12-31 | 18.29% |
| 2019-09-30 | 16.90% |
| 2019-06-30 | 11.08% |
| 2019-03-31 | 7.64% |
| 2018-12-31 | 13.85% |
| 2018-09-30 | 13.14% |
| 2018-06-30 | 7.39% |
| 2018-03-31 | 3.61% |
| 2017-12-31 | 13.04% |
| 2017-09-30 | 16.38% |
| 2017-06-30 | 15.38% |
| 2017-03-31 | 10.38% |
| 2016-12-31 | 2.02% |
| 2016-09-30 | 25.25% |
