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 19.75% is 12% below its 5-year average of 22.42%, around the middle of its 5-year range (-9.58%–37.73%).
5.80% above its 12-month average of 18.67%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 18.70%.
NET PROFIT MARGIN
19.75%
NET PROFIT MARGIN AVG TTM
18.67%
NET PROFIT MARGIN AVG 3Y
19.01%
NET PROFIT MARGIN AVG 5Y
22.42%
NET PROFIT MARGIN AVG 10Y
21.51%
NET PROFIT MARGIN AVG 15Y
19.49%
NET PROFIT MARGIN AVG 20Y
17.11%
CURRENT VS TTM AVG
+5.80%
CURRENT VS 3Y AVG
+3.91%
CURRENT VS 5Y AVG
-11.92%
CURRENT VS 10Y AVG
-8.19%
CURRENT VS 15Y AVG
+1.35%
CURRENT VS 20Y AVG
+15.41%
SECTOR MEDIAN · FINANCIAL SERVICES
13.22%
median of 612 covered companies
CURRENT VS SECTOR MEDIAN
+49.39%
vs the sector median at left
Peoples Bancorp Inc.
Market Cap
$1.33B
Net Profit Margin
19.75%
TTM Avg
18.67%
3Y Avg
19.01%
5Y Avg
22.42%
Market Cap
$1.32B
Net Profit Margin
23.46%
TTM Avg
25.71%
3Y Avg
26.66%
5Y Avg
27.40%
Market Cap
$1.32B
Net Profit Margin
22.01%
TTM Avg
18.66%
3Y Avg
20.22%
5Y Avg
20.66%
Market Cap
$1.29B
Net Profit Margin
21.50%
TTM Avg
22.80%
3Y Avg
25.14%
5Y Avg
22.44%
Market Cap
$1.38B
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%
Market Cap
$1.24B
Net Profit Margin
26.75%
TTM Avg
25.95%
3Y Avg
31.45%
5Y Avg
33.47%
Market Cap
$1.43B
Net Profit Margin
23.37%
TTM Avg
23.70%
3Y Avg
24.74%
5Y Avg
24.16%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Peoples Bancorp Inc. (PEBO) | $1.33B | 19.75% | 18.67% | 19.01% | 22.42% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 23.46% | 25.71% | 26.66% | 27.40% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 22.01% | 18.66% | 20.22% | 20.66% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 21.50% | 22.80% | 25.14% | 22.44% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 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% |
| Preferred Bank (PFBC)vs › | $1.24B | 26.75% | 25.95% | 31.45% | 33.47% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 23.37% | 23.70% | 24.74% | 24.16% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 23.50% | 27.48% | 29.82% | 29.82% |
Operating Margin
21.6%
Net Profit Margin
19.8%
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 | 18.70% |
| 2026-03-31 | 18.70% |
| 2025-12-31 | 20.25% |
| 2025-09-30 | 21.57% |
| 2025-06-30 | 14.11% |
| 2025-03-31 | 16.35% |
| 2024-12-31 | 17.16% |
| 2024-09-30 | 20.29% |
| 2024-06-30 | 19.09% |
| 2024-03-31 | 19.61% |
| 2023-12-31 | 22.53% |
| 2023-09-30 | 22.08% |
| 2023-06-30 | 16.65% |
| 2023-03-31 | 26.24% |
| 2022-12-31 | 28.43% |
| 2022-09-30 | 29.31% |
| 2022-06-30 | 30.42% |
| 2022-03-31 | 31.41% |
| 2021-12-31 | 37.73% |
| 2021-09-30 | -9.58% |
| 2021-06-30 | 17.83% |
| 2021-03-31 | 28.51% |
| 2020-12-31 | 39.16% |
| 2020-09-30 | 19.01% |
| 2020-06-30 | 9.10% |
| 2020-03-31 | -1.40% |
| 2019-12-31 | 25.69% |
| 2019-09-30 | 25.46% |
| 2019-06-30 | 16.52% |
| 2019-03-31 | 26.13% |
| 2018-12-31 | 26.13% |
| 2018-09-30 | 24.14% |
| 2018-06-30 | 15.66% |
| 2018-03-31 | 25.06% |
| 2017-12-31 | 19.88% |
| 2017-09-30 | 23.66% |
| 2017-06-30 | 22.43% |
| 2017-03-31 | 20.88% |
| 2016-12-31 | 18.34% |
| 2016-09-30 | 19.11% |
| 2016-06-30 | 19.54% |
| 2016-03-31 | 19.91% |
| 2015-12-31 | 6.54% |
| 2015-09-30 | 10.59% |
| 2015-06-30 | 12.78% |
| 2015-03-31 | -1.96% |
| 2014-12-31 | 13.03% |
| 2014-09-30 | 14.17% |
| 2014-06-30 | 12.55% |
| 2014-03-31 | 17.38% |
| 2013-12-31 | 19.06% |
| 2013-09-30 | 10.00% |
| 2013-06-30 | 19.94% |
| 2013-03-31 | 20.14% |
| 2012-12-31 | 15.70% |
| 2012-09-30 | 19.74% |
| 2012-06-30 | 20.39% |
| 2012-03-31 | 23.10% |
| 2011-12-31 | 14.81% |
| 2011-09-30 | 14.40% |
| 2011-06-30 | 11.09% |
| 2011-03-31 | 6.65% |
| 2010-12-31 | 2.37% |
| 2010-09-30 | 1.40% |
| 2010-06-30 | 10.14% |
| 2010-03-31 | 4.17% |
| 2009-12-31 | 3.69% |
| 2009-09-30 | -12.14% |
| 2009-06-30 | 8.30% |
| 2009-03-31 | 12.06% |
| 2008-12-31 | -9.55% |
| 2008-09-30 | 8.66% |
| 2008-06-30 | 5.72% |
| 2008-03-31 | 15.77% |
| 2007-12-31 | 7.14% |
| 2007-09-30 | 14.46% |
| 2007-06-30 | 14.84% |
| 2007-03-31 | 15.47% |
| 2006-12-31 | 13.16% |
| 2006-09-30 | 15.12% |
| 2006-06-30 | 15.99% |
| 2006-03-31 | 17.52% |
| 2005-12-31 | 16.00% |
| 2005-09-30 | 16.74% |
| 2005-06-30 | 15.88% |
| 2005-03-31 | 15.63% |
| 2004-12-31 | 10.34% |
| 2004-09-30 | 17.68% |
| 2004-06-30 | 18.43% |
| 2004-03-31 | 20.27% |
| 2003-12-31 | -0.54% |
| 2003-09-30 | 20.77% |
| 2003-06-30 | 19.58% |
| 2003-03-31 | 18.77% |
| 2002-12-31 | 20.27% |
| 2002-09-30 | 18.59% |
