Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 21.50% is 19% below its 5-year average of 26.43%, near the high end of its 5-year range (-22.19%–31.72%).
5.88% below its 12-month average of 22.84%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 31.72%.
NET PROFIT MARGIN
21.50%
NET PROFIT MARGIN AVG TTM
22.84%
NET PROFIT MARGIN AVG 3Y
26.23%
NET PROFIT MARGIN AVG 5Y
26.43%
NET PROFIT MARGIN AVG 10Y
25.03%
NET PROFIT MARGIN AVG 15Y
19.12%
NET PROFIT MARGIN AVG 20Y
14.46%
CURRENT VS TTM AVG
-5.88%
CURRENT VS 3Y AVG
-18.02%
CURRENT VS 5Y AVG
-18.66%
CURRENT VS 10Y AVG
-14.09%
CURRENT VS 15Y AVG
+12.43%
CURRENT VS 20Y AVG
+48.72%
SECTOR MEDIAN · FINANCIAL SERVICES
13.62%
median of 567 covered companies
CURRENT VS SECTOR MEDIAN
+57.86%
vs the sector median at left
Old Second Bancorp, Inc.
Market Cap
$1.29B
Net Profit Margin
21.50%
TTM Avg
22.84%
3Y Avg
26.23%
5Y Avg
26.43%
Market Cap
$1.33B
Net Profit Margin
22.01%
TTM Avg
18.66%
3Y Avg
20.22%
5Y Avg
20.66%
Market Cap
$1.33B
Net Profit Margin
23.46%
TTM Avg
25.71%
3Y Avg
26.66%
5Y Avg
27.40%
Market Cap
$1.33B
Net Profit Margin
19.75%
TTM Avg
18.15%
3Y Avg
21.95%
5Y Avg
20.60%
Market Cap
$1.25B
Net Profit Margin
26.75%
TTM Avg
25.95%
3Y Avg
31.45%
5Y Avg
33.47%
Market Cap
$1.22B
Net Profit Margin
23.50%
TTM Avg
27.48%
3Y Avg
29.82%
5Y Avg
29.82%
Market Cap
$1.39B
Net Profit Margin
25.55%
TTM Avg
22.99%
3Y Avg
25.47%
5Y Avg
27.42%
Market Cap
$1.40B
Net Profit Margin
21.89%
TTM Avg
16.45%
3Y Avg
20.35%
5Y Avg
22.27%
Market Cap
$1.42B
Net Profit Margin
9.30%
TTM Avg
20.79%
3Y Avg
26.48%
5Y Avg
28.19%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Old Second Bancorp, Inc. (OSBC) | $1.29B | 21.50% | 22.84% | 26.23% | 26.43% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.33B | 22.01% | 18.66% | 20.22% | 20.66% |
| HBT Financial, Inc. (HBT)vs › | $1.33B | 23.46% | 25.71% | 26.66% | 27.40% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 19.75% | 18.15% | 21.95% | 20.60% |
| Preferred Bank (PFBC)vs › | $1.25B | 26.75% | 25.95% | 31.45% | 33.47% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 23.50% | 27.48% | 29.82% | 29.82% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.39B | 25.55% | 22.99% | 25.47% | 27.42% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 21.89% | 16.45% | 20.35% | 22.27% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.42B | 9.30% | 20.79% | 26.48% | 28.19% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 23.37% | 23.70% | 24.74% | 24.16% |
Operating Margin
29.6%
Net Profit Margin
21.5%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 31.72% |
| 2026-03-31 | 23.02% |
| 2025-12-31 | 25.15% |
| 2025-09-30 | 8.55% |
| 2025-06-30 | 25.78% |
| 2025-03-31 | 24.07% |
| 2024-12-31 | 22.38% |
| 2024-09-30 | 26.94% |
| 2024-06-30 | 26.37% |
| 2024-03-31 | 25.82% |
| 2023-12-31 | 22.48% |
| 2023-09-30 | 29.40% |
| 2023-06-30 | 31.60% |
| 2023-03-31 | 30.94% |
| 2022-12-31 | 31.33% |
| 2022-09-30 | 28.69% |
| 2022-06-30 | 22.05% |
| 2022-03-31 | 21.37% |
| 2021-12-31 | -22.19% |
| 2021-09-30 | 25.13% |
| 2021-06-30 | 28.01% |
| 2021-03-31 | 32.91% |
| 2020-12-31 | 23.52% |
| 2020-09-30 | 28.38% |
| 2020-06-30 | 25.74% |
| 2020-03-31 | 0.83% |
| 2019-12-31 | 26.08% |
| 2019-09-30 | 29.80% |
| 2019-06-30 | 24.90% |
| 2019-03-31 | 24.18% |
| 2018-12-31 | 24.28% |
| 2018-09-30 | 27.03% |
| 2018-06-30 | 17.64% |
| 2018-03-31 | 30.25% |
| 2017-12-31 | -8.22% |
| 2017-09-30 | 26.94% |
| 2017-06-30 | 17.93% |
| 2017-03-31 | 16.22% |
| 2016-12-31 | 17.70% |
| 2016-09-30 | 14.55% |
| 2016-06-30 | 15.73% |
| 2016-03-31 | 14.05% |
| 2015-12-31 | 15.93% |
| 2015-09-30 | 16.71% |
| 2015-06-30 | 16.49% |
| 2015-03-31 | 14.29% |
| 2014-12-31 | 12.37% |
| 2014-09-30 | 11.59% |
| 2014-06-30 | 8.52% |
| 2014-03-31 | 9.72% |
| 2013-12-31 | 1.17% |
| 2013-09-30 | 293.72% |
| 2013-06-30 | 13.17% |
| 2013-03-31 | 20.15% |
| 2012-12-31 | 5.50% |
| 2012-09-30 | 0.42% |
| 2012-06-30 | 4.22% |
| 2012-03-31 | -10.04% |
| 2011-12-31 | -10.30% |
| 2011-09-30 | -4.70% |
| 2011-06-30 | 3.23% |
| 2011-03-31 | -9.95% |
| 2010-12-31 | -215.54% |
| 2010-09-30 | -0.22% |
| 2010-06-30 | -61.36% |
| 2010-03-31 | -23.10% |
| 2009-12-31 | -21.59% |
| 2009-09-30 | 3.49% |
| 2009-06-30 | -132.45% |
| 2009-03-31 | 2.19% |
| 2008-12-31 | -11.21% |
| 2008-09-30 | 8.77% |
| 2008-06-30 | 14.55% |
| 2008-03-31 | 11.21% |
| 2007-12-31 | 13.28% |
| 2007-09-30 | 12.72% |
| 2007-06-30 | 12.24% |
| 2007-03-31 | 12.86% |
| 2006-12-31 | 14.09% |
| 2006-09-30 | 11.43% |
| 2006-06-30 | 14.94% |
| 2006-03-31 | 15.05% |
| 2005-12-31 | 19.30% |
| 2005-09-30 | 18.69% |
| 2005-06-30 | 18.10% |
| 2005-03-31 | 18.46% |
| 2004-12-31 | 25.80% |
| 2004-09-30 | 20.13% |
| 2004-06-30 | 18.39% |
| 2004-03-31 | 20.60% |
| 2003-12-31 | 19.21% |
| 2003-09-30 | 19.10% |
| 2003-06-30 | 18.92% |
| 2003-03-31 | 18.29% |
| 2002-12-31 | 17.16% |
| 2002-09-30 | 18.30% |
