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 38.56% is in line with its 5-year average of 37.43%, near the low end of its 5-year range (31.71%–77.81%).
0.62% above its 12-month average of 38.32%.
Reported quarterly operating margin; no daily interpolation. Q4 FY2026 (2026-06-30): 40.54%.
OPERATING MARGIN
38.56%
OPERATING MARGIN AVG TTM
38.32%
OPERATING MARGIN AVG 3Y
35.79%
OPERATING MARGIN AVG 5Y
37.43%
OPERATING MARGIN AVG 10Y
35.63%
OPERATING MARGIN AVG 15Y
28.86%
OPERATING MARGIN AVG 20Y
22.94%
CURRENT VS TTM AVG
+0.62%
CURRENT VS 3Y AVG
+7.73%
CURRENT VS 5Y AVG
+3.01%
CURRENT VS 10Y AVG
+8.24%
CURRENT VS 15Y AVG
+33.62%
CURRENT VS 20Y AVG
+68.08%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+139.65%
vs the sector median at left
Market Cap
$1.04B
Operating Margin
34.63%
TTM Avg
31.64%
3Y Avg
37.73%
5Y Avg
41.59%
Market Cap
$1.03B
Operating Margin
44.09%
TTM Avg
40.71%
3Y Avg
42.47%
5Y Avg
50.65%
Market Cap
$1.05B
Operating Margin
N/A
TTM Avg
17.07%
3Y Avg
-1.23%
5Y Avg
9.10%
Market Cap
$1.02B
Operating Margin
23.26%
TTM Avg
19.54%
3Y Avg
23.37%
5Y Avg
24.70%
Market Cap
$1.02B
Operating Margin
28.78%
TTM Avg
27.31%
3Y Avg
30.97%
5Y Avg
31.56%
Market Cap
$1.06B
Operating Margin
20.66%
TTM Avg
24.88%
3Y Avg
24.89%
5Y Avg
20.51%
Market Cap
$1.01B
Operating Margin
9.04%
TTM Avg
16.55%
3Y Avg
23.63%
5Y Avg
24.97%
Market Cap
$1.01B
Operating Margin
40.57%
TTM Avg
42.26%
3Y Avg
43.91%
5Y Avg
40.41%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Northeast Bank (NBN) | $1.04B | 38.56% | 38.32% | 35.79% | 37.43% |
| Five Star Bancorp (FSBC)vs › | $1.04B | 34.63% | 31.64% | 37.73% | 41.59% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 44.09% | 40.71% | 42.47% | 50.65% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 17.07% | -1.23% | 9.10% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.26% | 19.54% | 23.37% | 24.70% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 28.78% | 27.31% | 30.97% | 31.56% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 20.66% | 24.88% | 24.89% | 20.51% |
| OceanFirst Financial Corp. (OCFC)vs › | $1.01B | 9.04% | 16.55% | 23.63% | 24.97% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.01B | 40.57% | 42.26% | 43.91% | 40.41% |
| Business First Bancshares, Inc. (BFST)vs › | $1.00B | 22.15% | 20.15% | 22.44% | 23.89% |
Operating Margin
38.6%
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 | 40.54% |
| 2026-03-31 | 40.98% |
| 2025-12-31 | 34.60% |
| 2025-09-30 | 37.17% |
| 2025-06-30 | 38.32% |
| 2025-03-31 | 34.66% |
| 2024-12-31 | 37.54% |
| 2024-09-30 | 34.41% |
| 2024-06-30 | 33.04% |
| 2024-03-31 | 32.24% |
| 2023-12-31 | 34.58% |
| 2023-09-30 | 35.53% |
| 2023-06-30 | 31.71% |
| 2023-03-31 | 34.97% |
| 2022-12-31 | 40.31% |
| 2022-09-30 | 42.41% |
| 2022-06-30 | 54.95% |
| 2022-03-31 | 56.54% |
| 2021-12-31 | 59.38% |
| 2021-09-30 | 53.33% |
| 2021-06-30 | 77.81% |
| 2021-03-31 | 81.38% |
| 2020-12-31 | 46.16% |
| 2020-09-30 | 45.84% |
| 2020-06-30 | 51.34% |
| 2020-03-31 | 17.01% |
| 2019-12-31 | 32.44% |
| 2019-09-30 | 31.79% |
| 2019-06-30 | -1.40% |
| 2019-03-31 | 31.41% |
| 2018-12-31 | 33.75% |
| 2018-09-30 | 30.31% |
| 2018-06-30 | 33.89% |
| 2018-03-31 | 31.36% |
| 2017-12-31 | 29.06% |
| 2017-09-30 | 34.89% |
| 2017-06-30 | 36.23% |
| 2017-03-31 | 33.50% |
| 2016-12-31 | 29.98% |
| 2016-09-30 | 19.97% |
| 2016-06-30 | 22.99% |
| 2016-03-31 | 20.32% |
| 2015-12-31 | 20.12% |
| 2015-09-30 | 23.99% |
| 2015-06-30 | 24.21% |
| 2015-03-31 | 22.76% |
| 2014-12-31 | 20.24% |
| 2014-09-30 | 21.43% |
| 2014-06-30 | 8.85% |
| 2014-03-31 | 7.55% |
| 2013-12-31 | 18.66% |
| 2013-09-30 | 4.85% |
| 2013-06-30 | 1.27% |
| 2013-03-31 | 19.83% |
| 2012-12-31 | 19.45% |
| 2012-09-30 | 14.49% |
| 2012-06-30 | 13.20% |
| 2012-03-31 | 1.91% |
| 2011-12-31 | 6.73% |
| 2011-09-30 | -13.19% |
| 2011-06-30 | 6.13% |
| 2011-03-31 | -2.12% |
| 2010-12-31 | 50.50% |
| 2010-09-30 | 13.37% |
| 2010-06-30 | 3.70% |
| 2010-03-31 | 6.86% |
| 2009-12-31 | 7.52% |
| 2009-09-15 | 6.08% |
| 2009-06-30 | 1.75% |
| 2009-03-31 | 4.29% |
| 2008-12-31 | 2.93% |
| 2008-09-30 | -0.07% |
| 2008-06-30 | 4.35% |
| 2008-03-31 | 7.31% |
| 2007-12-31 | 4.41% |
| 2007-09-30 | 5.03% |
| 2007-06-30 | 5.38% |
| 2007-03-31 | 6.39% |
| 2006-12-31 | 5.03% |
| 2006-09-30 | 5.79% |
| 2006-06-30 | 13.32% |
| 2006-03-31 | 12.02% |
| 2005-12-31 | 15.21% |
| 2005-09-30 | 15.23% |
| 2005-06-30 | 17.45% |
| 2005-03-31 | 16.77% |
| 2004-12-31 | 11.86% |
| 2004-09-30 | 15.88% |
| 2004-06-30 | 11.55% |
| 2004-03-31 | 18.31% |
| 2003-12-31 | 16.28% |
| 2003-09-30 | 16.46% |
| 2003-06-30 | 16.87% |
| 2003-03-31 | 18.76% |
| 2002-12-31 | 15.29% |
| 2002-09-30 | 16.30% |
