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 -22.08% is 199% below its 5-year average of 22.30%, around the middle of its 5-year range (-119.79%–36.75%).
270.67% below its 12-month average of 12.94%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 23.03%.
OPERATING MARGIN
-22.08%
OPERATING MARGIN AVG TTM
12.94%
OPERATING MARGIN AVG 3Y
15.68%
OPERATING MARGIN AVG 5Y
22.30%
OPERATING MARGIN AVG 10Y
20.22%
OPERATING MARGIN AVG 15Y
22.77%
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-270.67%
CURRENT VS 3Y AVG
-240.79%
CURRENT VS 5Y AVG
-199.00%
CURRENT VS 10Y AVG
-209.21%
CURRENT VS 15Y AVG
-196.99%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-237.23%
vs the sector median at left
Midland States Bancorp, Inc.
Market Cap
$680.25M
Operating Margin
-22.08%
TTM Avg
12.94%
3Y Avg
15.68%
5Y Avg
22.30%
Market Cap
$677.50M
Operating Margin
32.72%
TTM Avg
29.16%
3Y Avg
32.32%
5Y Avg
33.94%
Market Cap
$677.47M
Operating Margin
25.27%
TTM Avg
22.25%
3Y Avg
27.11%
5Y Avg
30.41%
Market Cap
$683.83M
Operating Margin
-5.48%
TTM Avg
37.45%
3Y Avg
2.83%
5Y Avg
39.43%
Market Cap
$675.06M
Operating Margin
15.71%
TTM Avg
14.30%
3Y Avg
19.15%
5Y Avg
11.98%
Market Cap
$686.10M
Operating Margin
38.91%
TTM Avg
33.65%
3Y Avg
34.67%
5Y Avg
41.61%
Market Cap
$670.22M
Operating Margin
9.10%
TTM Avg
8.14%
3Y Avg
4.10%
5Y Avg
4.71%
Market Cap
$669.05M
Operating Margin
315.85%
TTM Avg
194.26%
3Y Avg
136.11%
5Y Avg
119.24%
Market Cap
$693.35M
Operating Margin
24.51%
TTM Avg
14.70%
3Y Avg
21.48%
5Y Avg
27.74%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Midland States Bancorp, Inc. (MSBI) | $680.25M | -22.08% | 12.94% | 15.68% | 22.30% |
| Red River Bancshares, Inc. (RRBI)vs › | $677.50M | 32.72% | 29.16% | 32.32% | 33.94% |
| Farmers National Banc Corp. (FMNB)vs › | $677.47M | 25.27% | 22.25% | 27.11% | 30.41% |
| OFS Credit Company, Inc. (OCCIN)vs › | $683.83M | -5.48% | 37.45% | 2.83% | 39.43% |
| Carter Bankshares, Inc. (CARE)vs › | $675.06M | 15.71% | 14.30% | 19.15% | 11.98% |
| Vinci Compass Investments Ltd. (VINP)vs › | $686.10M | 38.91% | 33.65% | 34.67% | 41.61% |
| Donegal Group Inc. (DGICA)vs › | $670.22M | 9.10% | 8.14% | 4.10% | 4.71% |
| Gladstone Investment Corporation (GAINI)vs › | $669.05M | 315.85% | 194.26% | 136.11% | 119.24% |
| Peoples Financial Services Corp. (PFIS)vs › | $693.35M | 24.51% | 14.70% | 21.48% | 27.74% |
| California BanCorp (BCAL)vs › | $696.69M | 35.94% | 20.79% | 23.26% | 20.89% |
Operating Margin
-22.1%
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 | 23.03% |
| 2026-03-31 | 22.30% |
| 2025-12-31 | -3.03% |
| 2025-09-30 | 9.79% |
| 2025-06-30 | 12.59% |
| 2025-03-31 | -119.79% |
| 2024-12-31 | -1.27% |
| 2024-09-30 | 18.15% |
| 2024-06-30 | 23.64% |
| 2024-03-31 | 21.00% |
| 2023-12-31 | 17.46% |
| 2023-09-30 | 20.07% |
| 2023-06-30 | 24.46% |
| 2023-03-31 | 25.94% |
| 2022-12-31 | 36.75% |
| 2022-09-30 | 31.17% |
| 2022-06-30 | 34.90% |
| 2022-03-31 | 35.20% |
| 2021-12-31 | 35.99% |
| 2021-09-30 | 33.17% |
| 2021-06-30 | 24.74% |
| 2021-03-31 | 31.39% |
| 2020-12-31 | 13.22% |
| 2020-09-30 | 4.05% |
| 2020-06-30 | 19.98% |
| 2020-03-31 | 2.56% |
| 2019-12-31 | 19.39% |
| 2019-09-30 | 19.61% |
| 2019-06-30 | 27.06% |
| 2019-03-31 | 24.07% |
| 2018-12-31 | 25.42% |
| 2018-09-30 | 14.58% |
| 2018-06-30 | 21.51% |
| 2018-03-31 | 5.09% |
| 2017-12-31 | 13.61% |
| 2017-09-30 | 3.99% |
| 2017-06-30 | 10.31% |
| 2017-03-31 | 24.03% |
| 2016-12-31 | 33.26% |
| 2016-09-30 | 26.52% |
| 2016-06-30 | 22.98% |
| 2016-03-31 | 19.69% |
| 2015-12-31 | 24.50% |
| 2015-09-30 | 12.62% |
| 2015-06-30 | 21.21% |
| 2015-03-31 | 22.76% |
| 2014-12-31 | -55.69% |
| 2014-09-30 | 42.15% |
| 2014-06-30 | 43.60% |
| 2014-03-31 | 37.45% |
| 2013-12-31 | 39.96% |
| 2013-09-30 | 40.51% |
| 2013-06-30 | 20.93% |
| 2013-03-31 | 35.99% |
| 2012-12-31 | 36.53% |
| 2011-03-31 | 18.70% |
| 2010-03-31 | 27.51% |
