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 34.01% is in line with its 5-year average of 33.30%, near the high end of its 5-year range (11.25%–40.50%).
0.05% above its 12-month average of 33.99%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 40.50%.
OPERATING MARGIN
34.01%
OPERATING MARGIN AVG TTM
33.99%
OPERATING MARGIN AVG 3Y
31.88%
OPERATING MARGIN AVG 5Y
33.30%
OPERATING MARGIN AVG 10Y
26.50%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+0.05%
CURRENT VS 3Y AVG
+6.68%
CURRENT VS 5Y AVG
+2.14%
CURRENT VS 10Y AVG
+28.34%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.07%
median of 693 covered companies
CURRENT VS SECTOR MEDIAN
+111.64%
vs the sector median at left
Orange County Bancorp, Inc.
Market Cap
$504.94M
Operating Margin
34.01%
TTM Avg
33.99%
3Y Avg
31.88%
5Y Avg
33.30%
Market Cap
$501.54M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$495.81M
Operating Margin
35.75%
TTM Avg
26.63%
3Y Avg
54.98%
5Y Avg
47.51%
Market Cap
$494.56M
Operating Margin
19.22%
TTM Avg
20.75%
3Y Avg
23.75%
5Y Avg
25.11%
Market Cap
$493.80M
Operating Margin
22.60%
TTM Avg
14.86%
3Y Avg
-2.06%
5Y Avg
7.28%
Market Cap
$491.19M
Operating Margin
8.00%
TTM Avg
8.98%
3Y Avg
9.21%
5Y Avg
6.91%
Market Cap
$519.90M
Operating Margin
30.09%
TTM Avg
28.05%
3Y Avg
28.78%
5Y Avg
32.54%
Market Cap
$488.31M
Operating Margin
26.25%
TTM Avg
20.47%
3Y Avg
23.80%
5Y Avg
26.13%
Market Cap
$526.67M
Operating Margin
26.96%
TTM Avg
15.08%
3Y Avg
23.67%
5Y Avg
23.78%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orange County Bancorp, Inc. (OBT) | $504.94M | 34.01% | 33.99% | 31.88% | 33.30% |
| Churchill Capital Corp XI (CCXI)vs › | $501.54M | 0.00% | 0.00% | 0.00% | 0.00% |
| Private Bancorp of America, Inc. (PBAM)vs › | $495.81M | 35.75% | 26.63% | 54.98% | 47.51% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $494.56M | 19.22% | 20.75% | 23.75% | 25.11% |
| Ponce Financial Group, Inc. (PDLB)vs › | $493.80M | 22.60% | 14.86% | -2.06% | 7.28% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $491.19M | 8.00% | 8.98% | 9.21% | 6.91% |
| Sierra Bancorp (BSRR)vs › | $519.90M | 30.09% | 28.05% | 28.78% | 32.54% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $488.31M | 26.25% | 20.47% | 23.80% | 26.13% |
| Bankwell Financial Group, Inc. (BWFG)vs › | $526.67M | 26.96% | 15.08% | 23.67% | 23.78% |
| Home Bancorp, Inc. (HBCP)vs › | $529.92M | 28.04% | 25.20% | 27.23% | 30.66% |
Operating Margin
34.0%
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 | 40.50% |
| 2026-03-31 | 30.25% |
| 2025-12-31 | 34.14% |
| 2025-09-30 | 31.53% |
| 2025-06-30 | 33.54% |
| 2025-03-31 | 31.15% |
| 2024-12-31 | 24.57% |
| 2024-09-30 | 11.25% |
| 2024-06-30 | 28.19% |
| 2024-03-31 | 31.72% |
| 2023-12-31 | 30.34% |
| 2023-09-30 | 33.93% |
| 2023-06-30 | 34.03% |
| 2023-03-31 | 13.31% |
| 2022-12-31 | 40.18% |
| 2022-09-30 | 37.71% |
| 2022-06-30 | 11.71% |
| 2022-03-31 | 32.78% |
| 2021-12-31 | 34.80% |
| 2021-09-30 | 35.23% |
| 2021-06-30 | 34.78% |
| 2021-03-31 | 35.65% |
| 2020-12-31 | 26.54% |
| 2020-09-30 | 22.11% |
| 2020-06-30 | 22.55% |
| 2020-03-31 | 20.65% |
| 2019-12-31 | 24.32% |
| 2019-09-30 | 25.92% |
| 2019-06-30 | 25.02% |
| 2019-03-31 | 20.86% |
| 2018-12-31 | 23.35% |
| 2018-09-30 | 20.42% |
| 2018-06-30 | 16.45% |
| 2018-03-31 | 16.09% |
| 2017-12-31 | 20.25% |
| 2017-09-30 | 20.25% |
| 2017-06-30 | 16.73% |
| 2017-03-31 | 16.73% |
| 2016-12-31 | 25.18% |
| 2016-09-30 | 25.18% |
| 2016-06-30 | 26.58% |
| 2016-03-31 | 26.58% |
| 2015-12-31 | 2.36% |
| 2015-09-30 | 2.36% |
| 2015-06-30 | 3.06% |
| 2015-03-31 | 3.06% |
| 2014-12-31 | 37.65% |
| 2014-09-30 | 37.65% |
| 2014-06-30 | 39.55% |
| 2014-03-31 | 39.55% |
| 2012-12-31 | 42.80% |
