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 29.94% is in line with its 5-year average of 27.94%, near the high end of its 5-year range (-19.30%–36.36%).
1.09% above its 12-month average of 29.62%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 27.86%.
OPERATING MARGIN
29.94%
OPERATING MARGIN AVG TTM
29.62%
OPERATING MARGIN AVG 3Y
25.86%
OPERATING MARGIN AVG 5Y
27.94%
OPERATING MARGIN AVG 10Y
23.26%
OPERATING MARGIN AVG 15Y
21.98%
OPERATING MARGIN AVG 20Y
23.26%
CURRENT VS TTM AVG
+1.09%
CURRENT VS 3Y AVG
+15.78%
CURRENT VS 5Y AVG
+7.16%
CURRENT VS 10Y AVG
+28.74%
CURRENT VS 15Y AVG
+36.22%
CURRENT VS 20Y AVG
+28.73%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+86.08%
vs the sector median at left
Orrstown Financial Services, Inc.
Market Cap
$812.04M
Operating Margin
29.94%
TTM Avg
29.62%
3Y Avg
25.86%
5Y Avg
27.94%
Market Cap
$813.16M
Operating Margin
10.36%
TTM Avg
6.87%
3Y Avg
10.87%
5Y Avg
16.20%
Market Cap
$817.02M
Operating Margin
-135.44%
TTM Avg
-42.42%
3Y Avg
15.56%
5Y Avg
34.37%
Market Cap
$805.64M
Operating Margin
28.25%
TTM Avg
18.09%
3Y Avg
14.12%
5Y Avg
10.98%
Market Cap
$818.67M
Operating Margin
27.18%
TTM Avg
23.66%
3Y Avg
27.70%
5Y Avg
27.83%
Market Cap
$824.71M
Operating Margin
8.65%
TTM Avg
17.89%
3Y Avg
14.38%
5Y Avg
14.97%
Market Cap
$788.83M
Operating Margin
28.70%
TTM Avg
25.88%
3Y Avg
24.82%
5Y Avg
31.46%
Market Cap
$787.88M
Operating Margin
34.68%
TTM Avg
52.91%
3Y Avg
60.80%
5Y Avg
60.77%
Market Cap
$839.33M
Operating Margin
77.14%
TTM Avg
40.63%
3Y Avg
27.31%
5Y Avg
25.01%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orrstown Financial Services, Inc. (ORRF) | $812.04M | 29.94% | 29.62% | 25.86% | 27.94% |
| Alerus Financial Corporation (ALRS)vs › | $813.16M | 10.36% | 6.87% | 10.87% | 16.20% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -135.44% | -42.42% | 15.56% | 34.37% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 28.25% | 18.09% | 14.12% | 10.98% |
| South Plains Financial, Inc. (SPFI)vs › | $818.67M | 27.18% | 23.66% | 27.70% | 27.83% |
| World Acceptance Corporation (WRLD)vs › | $824.71M | 8.65% | 17.89% | 14.38% | 14.97% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $788.83M | 28.70% | 25.88% | 24.82% | 31.46% |
| River City Bank (RCBC)vs › | $787.88M | 34.68% | 52.91% | 60.80% | 60.77% |
| Navient Corporation (NAVI)vs › | $839.33M | 77.14% | 40.63% | 27.31% | 25.01% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 15.54% | 11.50% | 19.56% | 21.05% |
Operating Margin
29.9%
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 | 27.86% |
| 2026-03-31 | 30.58% |
| 2025-12-31 | 30.41% |
| 2025-09-30 | 30.89% |
| 2025-06-30 | 28.35% |
| 2025-03-31 | 26.33% |
| 2024-12-31 | 18.94% |
| 2024-09-30 | -10.46% |
| 2024-06-30 | 19.60% |
| 2024-03-31 | 21.96% |
| 2023-12-31 | 21.00% |
| 2023-09-30 | 26.10% |
| 2023-06-30 | 28.31% |
| 2023-03-31 | 28.43% |
| 2022-12-31 | 31.30% |
| 2022-09-30 | -19.30% |
| 2022-06-30 | 33.34% |
| 2022-03-31 | 33.54% |
| 2021-12-31 | 27.54% |
| 2021-09-30 | 30.02% |
| 2021-06-30 | 36.36% |
| 2021-03-31 | 40.40% |
| 2020-12-31 | 37.60% |
| 2020-09-30 | 20.18% |
| 2020-06-30 | 23.96% |
| 2020-03-31 | 19.83% |
| 2019-12-31 | 17.09% |
| 2019-09-30 | 24.85% |
| 2019-06-30 | 8.74% |
| 2019-03-31 | 13.58% |
| 2018-12-31 | 5.36% |
| 2018-09-30 | 21.64% |
| 2018-06-30 | 21.25% |
| 2018-03-31 | 20.79% |
| 2017-12-31 | 16.29% |
| 2017-09-30 | 17.35% |
| 2017-06-30 | 21.37% |
| 2017-03-31 | 15.17% |
| 2016-12-31 | 13.90% |
| 2016-09-30 | 10.40% |
| 2016-06-30 | 6.38% |
| 2016-03-31 | 20.65% |
| 2015-12-31 | 11.42% |
| 2015-09-30 | 20.14% |
| 2015-06-30 | 12.81% |
| 2015-03-31 | 22.08% |
| 2014-12-31 | 21.37% |
| 2014-09-30 | 37.22% |
| 2014-06-30 | 19.82% |
| 2014-03-31 | 14.27% |
| 2013-12-31 | 23.16% |
| 2013-09-30 | 13.75% |
| 2013-06-30 | 25.70% |
| 2013-03-31 | 11.64% |
| 2012-12-31 | 13.43% |
| 2012-09-30 | -14.89% |
| 2012-06-30 | -91.98% |
| 2012-03-31 | -67.68% |
| 2011-12-31 | -176.58% |
| 2011-09-30 | 12.47% |
| 2011-06-30 | -62.34% |
| 2011-03-31 | 23.68% |
| 2010-12-31 | 28.67% |
| 2010-09-30 | 33.86% |
| 2010-06-30 | 23.91% |
| 2010-03-31 | 21.39% |
| 2009-12-31 | 19.50% |
| 2009-09-30 | 28.53% |
| 2009-06-30 | 25.83% |
| 2009-03-31 | 24.77% |
| 2008-12-31 | 24.44% |
| 2008-09-30 | 27.19% |
| 2008-06-30 | 30.70% |
| 2008-03-31 | 27.47% |
| 2007-12-31 | 24.61% |
| 2007-09-30 | 28.51% |
| 2007-06-30 | 27.63% |
| 2007-03-31 | 26.19% |
| 2006-12-31 | 26.88% |
| 2006-09-30 | 28.32% |
| 2006-06-30 | 32.13% |
| 2006-03-31 | 31.47% |
| 2005-12-31 | 32.52% |
| 2005-09-30 | 35.39% |
| 2005-06-30 | 36.94% |
| 2005-03-31 | 34.08% |
| 2004-12-31 | 34.29% |
| 2004-09-30 | 33.50% |
| 2004-06-30 | 32.61% |
| 2004-03-31 | 32.75% |
| 2003-12-31 | 30.43% |
| 2003-09-30 | 34.80% |
| 2003-06-30 | 33.61% |
| 2003-03-31 | 30.25% |
| 2002-12-31 | 27.60% |
| 2002-09-30 | 28.76% |
