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 21.76% is in line with its 4-year average of 22.12%, near the high end of its 4-year range (-30.03%–29.84%).
0.90% below its 12-month average of 21.96%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 23.43%.
OPERATING MARGIN
21.76%
OPERATING MARGIN AVG TTM
21.96%
OPERATING MARGIN AVG 3Y
20.16%
OPERATING MARGIN AVG 5Y
N/A
OPERATING MARGIN AVG 10Y
N/A
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-0.90%
CURRENT VS 3Y AVG
+7.96%
CURRENT VS 5Y AVG
N/A
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
17.70%
median of 545 covered companies
CURRENT VS SECTOR MEDIAN
+22.94%
vs the sector median at left
NB Bancorp, Inc. Common Stock
Market Cap
$932.56M
Operating Margin
21.76%
TTM Avg
21.96%
3Y Avg
20.16%
5Y Avg
N/A
Market Cap
$926.54M
Operating Margin
24.07%
TTM Avg
20.86%
3Y Avg
23.81%
5Y Avg
24.31%
Market Cap
$941.81M
Operating Margin
17.26%
TTM Avg
22.45%
3Y Avg
29.85%
5Y Avg
32.43%
Market Cap
$923.59M
Operating Margin
17.22%
TTM Avg
17.22%
3Y Avg
17.22%
5Y Avg
17.22%
Market Cap
$907.53M
Operating Margin
34.04%
TTM Avg
35.70%
3Y Avg
37.77%
5Y Avg
39.06%
Market Cap
$960.92M
Operating Margin
25.61%
TTM Avg
22.41%
3Y Avg
25.80%
5Y Avg
30.73%
Market Cap
$884.02M
Operating Margin
1.13%
TTM Avg
-1.56%
3Y Avg
27.65%
5Y Avg
30.81%
Market Cap
$996.57M
Operating Margin
-197.96%
TTM Avg
-92.85%
3Y Avg
-33.88%
5Y Avg
-10.53%
Market Cap
$867.43M
Operating Margin
23.16%
TTM Avg
23.34%
3Y Avg
27.22%
5Y Avg
29.60%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| NB Bancorp, Inc. Common Stock (NBBK) | $932.56M | 21.76% | 21.96% | 20.16% | N/A |
| Mid Penn Bancorp, Inc. (MPB)vs › | $926.54M | 24.07% | 20.86% | 23.81% | 24.31% |
| Hanmi Financial Corporation (HAFC)vs › | $941.81M | 17.26% | 22.45% | 29.85% | 32.43% |
| Forbright, Inc. Class A Common Stock (FRBT)vs › | $923.59M | 17.22% | 17.22% | 17.22% | 17.22% |
| First Community Bankshares, Inc. (FCBC)vs › | $907.53M | 34.04% | 35.70% | 37.77% | 39.06% |
| Camden National Corp. (CAC)vs › | $960.92M | 25.61% | 22.41% | 25.80% | 30.73% |
| Lufax Holding Ltd (LU)vs › | $884.02M | 1.13% | -1.56% | 27.65% | 30.81% |
| Horizon Bancorp, Inc. (HBNC)vs › | $996.57M | -197.96% | -92.85% | -33.88% | -10.53% |
| Great Southern Bancorp, Inc. (GSBC)vs › | $867.43M | 23.16% | 23.34% | 27.22% | 29.60% |
| Eagle Bancorp, Inc. (EGBN)vs › | $866.75M | -26.88% | -15.57% | 7.72% | 21.67% |
Operating Margin
21.8%
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 | 23.43% |
| 2026-03-31 | 18.65% |
| 2025-12-31 | 21.17% |
| 2025-09-30 | 23.98% |
| 2025-06-30 | 22.56% |
| 2025-03-31 | 21.77% |
| 2024-12-31 | 23.80% |
| 2024-09-30 | 19.90% |
| 2024-06-30 | 15.95% |
| 2024-03-31 | 16.93% |
| 2023-12-31 | -30.03% |
| 2023-09-30 | 18.44% |
| 2023-06-30 | 15.28% |
| 2023-03-31 | 23.09% |
| 2022-12-31 | 28.67% |
| 2022-09-30 | 28.91% |
| 2022-06-30 | 29.84% |
| 2022-03-31 | 23.63% |
