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 22.60% is 84% above its 5-year average of 12.26%, around the middle of its 5-year range (-67.66%–90.12%).
5.78% above its 12-month average of 21.36%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 21.26%.
OPERATING MARGIN
22.60%
OPERATING MARGIN AVG TTM
21.36%
OPERATING MARGIN AVG 3Y
13.43%
OPERATING MARGIN AVG 5Y
12.26%
OPERATING MARGIN AVG 10Y
9.86%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+5.78%
CURRENT VS 3Y AVG
+68.30%
CURRENT VS 5Y AVG
+84.38%
CURRENT VS 10Y AVG
+129.29%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+40.46%
vs the sector median at left
Ponce Financial Group, Inc.
Market Cap
$491.98M
Operating Margin
22.60%
TTM Avg
21.36%
3Y Avg
13.43%
5Y Avg
12.26%
Market Cap
$493.61M
Operating Margin
35.75%
TTM Avg
26.63%
3Y Avg
54.98%
5Y Avg
47.51%
Market Cap
$493.67M
Operating Margin
19.22%
TTM Avg
20.75%
3Y Avg
23.75%
5Y Avg
25.11%
Market Cap
$486.57M
Operating Margin
26.25%
TTM Avg
20.47%
3Y Avg
23.80%
5Y Avg
26.13%
Market Cap
$485.89M
Operating Margin
8.00%
TTM Avg
8.98%
3Y Avg
9.21%
5Y Avg
6.91%
Market Cap
$499.66M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$502.80M
Operating Margin
34.01%
TTM Avg
28.46%
3Y Avg
29.20%
5Y Avg
29.07%
Market Cap
$503.30M
Operating Margin
24.35%
TTM Avg
17.37%
3Y Avg
24.19%
5Y Avg
31.44%
Market Cap
$473.69M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Ponce Financial Group, Inc. (PDLB) | $491.98M | 22.60% | 21.36% | 13.43% | 12.26% |
| Private Bancorp of America, Inc. (PBAM)vs › | $493.61M | 35.75% | 26.63% | 54.98% | 47.51% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $493.67M | 19.22% | 20.75% | 23.75% | 25.11% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $486.57M | 26.25% | 20.47% | 23.80% | 26.13% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $485.89M | 8.00% | 8.98% | 9.21% | 6.91% |
| Churchill Capital Corp XI (CCXI)vs › | $499.66M | 0.00% | 0.00% | 0.00% | 0.00% |
| Orange County Bancorp, Inc. (OBT)vs › | $502.80M | 34.01% | 28.46% | 29.20% | 29.07% |
| West Bancorporation, Inc. (WTBA)vs › | $503.30M | 24.35% | 17.37% | 24.19% | 31.44% |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 0.00% | 0.00% | 0.00% | 0.00% |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $472.31M | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Margin
22.6%
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 | 21.26% |
| 2026-03-31 | 22.43% |
| 2025-12-31 | 28.26% |
| 2025-09-30 | 18.12% |
| 2025-06-30 | 16.76% |
| 2025-03-31 | 17.35% |
| 2024-12-31 | 10.06% |
| 2024-09-30 | 7.33% |
| 2024-06-30 | 10.86% |
| 2024-03-31 | 9.25% |
| 2023-12-31 | 2.69% |
| 2023-09-30 | 11.14% |
| 2023-06-30 | -0.94% |
| 2023-03-31 | 3.16% |
| 2022-12-31 | -47.37% |
| 2022-09-30 | -67.66% |
| 2022-06-30 | 1.50% |
| 2022-03-31 | -47.95% |
| 2021-12-31 | 90.12% |
| 2021-09-30 | 16.88% |
| 2021-06-30 | 41.61% |
| 2021-03-31 | 18.30% |
| 2020-12-31 | 11.27% |
| 2020-09-30 | 32.21% |
| 2020-06-30 | -4.79% |
| 2020-03-31 | -10.58% |
| 2019-12-31 | -70.59% |
| 2019-09-30 | 7.46% |
| 2019-06-30 | 10.24% |
| 2019-03-31 | 7.51% |
| 2018-12-31 | 8.77% |
| 2018-09-30 | 4.84% |
| 2018-06-30 | 7.36% |
| 2018-03-31 | 10.57% |
| 2017-12-31 | -7.23% |
| 2017-09-30 | -45.16% |
| 2017-06-30 | 16.96% |
| 2017-03-31 | 9.70% |
| 2016-12-31 | 4.45% |
| 2016-09-30 | 5.92% |
| 2016-06-30 | 6.02% |
| 2016-03-31 | 14.61% |
