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 35.75% is in line with its 5-year average of 35.42%, near the low end of its 5-year range (27.36%–69.49%).
1.09% above its 12-month average of 35.37%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 40.31%.
OPERATING MARGIN
35.75%
OPERATING MARGIN AVG TTM
35.37%
OPERATING MARGIN AVG 3Y
32.81%
OPERATING MARGIN AVG 5Y
35.42%
OPERATING MARGIN AVG 10Y
30.19%
OPERATING MARGIN AVG 15Y
30.50%
OPERATING MARGIN AVG 20Y
27.87%
CURRENT VS TTM AVG
+1.09%
CURRENT VS 3Y AVG
+8.96%
CURRENT VS 5Y AVG
+0.92%
CURRENT VS 10Y AVG
+18.43%
CURRENT VS 15Y AVG
+17.21%
CURRENT VS 20Y AVG
+28.27%
SECTOR MEDIAN · FINANCIAL SERVICES
16.11%
median of 697 covered companies
CURRENT VS SECTOR MEDIAN
+121.91%
vs the sector median at left
Private Bancorp of America, Inc.
Market Cap
$495.90M
Operating Margin
35.75%
TTM Avg
35.37%
3Y Avg
32.81%
5Y Avg
35.42%
Market Cap
$495.31M
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
$492.08M
Operating Margin
26.25%
TTM Avg
20.47%
3Y Avg
23.80%
5Y Avg
26.13%
Market Cap
$500.08M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$491.19M
Operating Margin
8.00%
TTM Avg
8.98%
3Y Avg
9.21%
5Y Avg
6.91%
Market Cap
$505.21M
Operating Margin
34.01%
TTM Avg
28.46%
3Y Avg
29.20%
5Y Avg
29.07%
Market Cap
$473.69M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$472.59M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Private Bancorp of America, Inc. (PBAM) | $495.90M | 35.75% | 35.37% | 32.81% | 35.42% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $495.31M | 19.22% | 20.75% | 23.75% | 25.11% |
| Ponce Financial Group, Inc. (PDLB)vs › | $493.80M | 22.60% | 14.86% | -2.06% | 7.28% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $492.08M | 26.25% | 20.47% | 23.80% | 26.13% |
| Churchill Capital Corp XI (CCXI)vs › | $500.08M | 0.00% | 0.00% | 0.00% | 0.00% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $491.19M | 8.00% | 8.98% | 9.21% | 6.91% |
| Orange County Bancorp, Inc. (OBT)vs › | $505.21M | 34.01% | 28.46% | 29.20% | 29.07% |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 0.00% | 0.00% | 0.00% | 0.00% |
| Gores Holdings X, Inc. (GTEN)vs › | $472.59M | 0.00% | 0.00% | 0.00% | 0.00% |
| Sierra Bancorp (BSRR)vs › | $519.70M | 30.09% | 28.05% | 28.78% | 32.54% |
Operating Margin
35.8%
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 | 40.31% |
| 2026-03-31 | 37.98% |
| 2025-12-31 | 32.75% |
| 2025-09-30 | 31.79% |
| 2025-06-30 | 33.99% |
| 2025-03-31 | 35.79% |
| 2024-12-31 | 27.36% |
| 2024-09-30 | 32.36% |
| 2024-06-30 | 27.64% |
| 2024-03-31 | 30.04% |
| 2023-12-31 | 28.15% |
| 2023-09-30 | 35.55% |
| 2023-06-30 | 69.49% |
| 2023-03-31 | 40.79% |
| 2022-12-31 | 38.84% |
| 2022-09-30 | 38.34% |
| 2022-06-30 | 30.60% |
| 2022-03-31 | 44.27% |
| 2021-12-31 | 47.55% |
| 2021-09-30 | 38.25% |
| 2021-06-30 | 36.10% |
| 2021-03-31 | 40.16% |
| 2020-12-31 | 35.81% |
| 2020-09-30 | 24.46% |
| 2020-06-30 | 18.52% |
| 2020-03-31 | 20.18% |
| 2019-12-31 | 19.48% |
| 2019-09-30 | -51.54% |
| 2019-06-30 | 11.44% |
| 2019-03-31 | 18.91% |
| 2018-12-31 | 13.96% |
| 2018-09-30 | 16.04% |
| 2018-06-30 | 14.62% |
| 2018-03-31 | 22.01% |
| 2017-12-31 | 26.97% |
| 2017-09-30 | 30.42% |
| 2017-06-30 | 28.23% |
| 2017-03-31 | 37.09% |
| 2016-12-31 | 32.84% |
| 2016-09-30 | 33.22% |
| 2016-06-30 | 24.39% |
| 2016-03-31 | 34.83% |
| 2015-12-31 | 35.23% |
| 2015-09-30 | 42.16% |
| 2015-06-30 | 35.49% |
| 2015-03-31 | 41.65% |
| 2014-12-31 | 28.33% |
| 2014-09-30 | 29.66% |
| 2014-06-30 | 25.34% |
| 2014-03-31 | 20.93% |
| 2013-12-31 | 41.31% |
| 2013-09-30 | 24.94% |
| 2013-06-30 | 12.11% |
| 2013-03-31 | 30.36% |
| 2012-12-31 | 36.94% |
| 2007-09-30 | 0.00% |
| 2007-06-30 | -30.86% |
| 2007-03-31 | 0.00% |
| 2006-12-31 | 0.00% |
| 2006-09-30 | 0.00% |
| 2006-06-30 | 0.00% |
| 2006-03-31 | 0.00% |
