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 38.22% is 17% below its 5-year average of 46.25%, near the low end of its 5-year range (33.45%–66.03%).
0.42% above its 12-month average of 38.06%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.62%.
OPERATING MARGIN
38.22%
OPERATING MARGIN AVG TTM
38.06%
OPERATING MARGIN AVG 3Y
37.48%
OPERATING MARGIN AVG 5Y
46.25%
OPERATING MARGIN AVG 10Y
46.96%
OPERATING MARGIN AVG 15Y
46.85%
OPERATING MARGIN AVG 20Y
43.70%
CURRENT VS TTM AVG
+0.42%
CURRENT VS 3Y AVG
+1.98%
CURRENT VS 5Y AVG
-17.36%
CURRENT VS 10Y AVG
-18.60%
CURRENT VS 15Y AVG
-18.42%
CURRENT VS 20Y AVG
-12.54%
SECTOR MEDIAN · FINANCIAL SERVICES
16.02%
median of 694 covered companies
CURRENT VS SECTOR MEDIAN
+138.50%
vs the sector median at left
Preferred Bank
Market Cap
$1.23B
Operating Margin
38.22%
TTM Avg
38.06%
3Y Avg
37.48%
5Y Avg
46.25%
Market Cap
$1.22B
Operating Margin
51.61%
TTM Avg
51.23%
3Y Avg
51.08%
5Y Avg
51.08%
Market Cap
$1.29B
Operating Margin
29.60%
TTM Avg
30.75%
3Y Avg
34.03%
5Y Avg
30.43%
Market Cap
$1.32B
Operating Margin
25.12%
TTM Avg
24.23%
3Y Avg
25.88%
5Y Avg
26.66%
Market Cap
$1.32B
Operating Margin
31.83%
TTM Avg
34.89%
3Y Avg
36.04%
5Y Avg
37.07%
Market Cap
$1.15B
Operating Margin
23.15%
TTM Avg
19.81%
3Y Avg
25.59%
5Y Avg
28.70%
Market Cap
$1.14B
Operating Margin
23.57%
TTM Avg
20.45%
3Y Avg
22.53%
5Y Avg
24.89%
Market Cap
$1.33B
Operating Margin
21.65%
TTM Avg
23.05%
3Y Avg
27.93%
5Y Avg
25.84%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Preferred Bank (PFBC) | $1.23B | 38.22% | 38.06% | 37.48% | 46.25% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 51.61% | 51.23% | 51.08% | 51.08% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 29.60% | 30.75% | 34.03% | 30.43% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 25.12% | 24.23% | 25.88% | 26.66% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 31.83% | 34.89% | 36.04% | 37.07% |
| Heritage Financial Corporation (HFWA)vs › | $1.15B | 23.15% | 19.81% | 25.59% | 28.70% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 23.57% | 20.45% | 22.53% | 24.89% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 21.65% | 23.05% | 27.93% | 25.84% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.39B | 27.12% | 19.78% | 24.01% | 25.57% |
Operating Margin
38.2%
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 | 38.62% |
| 2026-03-31 | 36.90% |
| 2025-12-31 | 38.21% |
| 2025-09-30 | 39.06% |
| 2025-06-30 | 37.51% |
| 2025-03-31 | 35.93% |
| 2024-12-31 | 33.45% |
| 2024-09-30 | 35.38% |
| 2024-06-30 | 36.20% |
| 2024-03-31 | 36.38% |
| 2023-12-31 | 40.52% |
| 2023-09-30 | 41.57% |
| 2023-06-30 | 43.66% |
| 2023-03-31 | 49.30% |
| 2022-12-31 | 55.85% |
| 2022-09-30 | 60.64% |
| 2022-06-30 | 59.83% |
| 2022-03-31 | 63.52% |
| 2021-12-31 | 66.03% |
| 2021-09-30 | 65.02% |
| 2021-06-30 | 57.64% |
| 2021-03-31 | 55.40% |
| 2020-12-31 | 52.80% |
| 2020-09-30 | 42.40% |
| 2020-06-30 | 40.63% |
| 2020-03-31 | 40.08% |
| 2019-12-31 | 48.94% |
| 2019-09-30 | 47.50% |
| 2019-06-30 | 47.35% |
| 2019-03-31 | 47.52% |
| 2018-12-31 | 45.42% |
| 2018-09-30 | 49.08% |
| 2018-06-30 | 49.91% |
| 2018-03-31 | 49.83% |
| 2017-12-31 | 52.27% |
| 2017-09-30 | 52.78% |
| 2017-06-30 | 48.23% |
| 2017-03-31 | 43.30% |
| 2016-12-31 | 46.26% |
| 2016-09-30 | 48.30% |
| 2016-06-30 | 45.95% |
| 2016-03-31 | 46.68% |
| 2015-12-31 | 49.60% |
| 2015-09-30 | 52.48% |
| 2015-06-30 | 51.49% |
| 2015-03-31 | 49.12% |
| 2014-12-31 | 51.16% |
| 2014-09-30 | 49.79% |
| 2014-06-30 | 48.02% |
| 2014-03-31 | 42.55% |
| 2013-12-31 | 46.91% |
| 2013-09-30 | 42.56% |
| 2013-06-30 | 43.78% |
| 2013-03-31 | 41.78% |
| 2012-12-31 | 55.17% |
| 2012-09-30 | 27.46% |
| 2012-06-30 | -54.82% |
| 2012-03-31 | 21.45% |
| 2011-12-31 | 16.24% |
| 2011-09-30 | 14.63% |
| 2011-06-30 | 12.56% |
| 2011-03-31 | 7.23% |
| 2010-12-31 | -103.30% |
| 2010-09-30 | -36.65% |
| 2010-06-30 | -22.70% |
| 2010-03-31 | 21.22% |
| 2009-12-31 | -3459.90% |
| 2009-09-30 | -399.47% |
| 2009-06-30 | -82.27% |
| 2009-03-31 | -11.82% |
| 2008-12-31 | -61.46% |
| 2008-09-30 | -10.17% |
| 2008-06-30 | 2.08% |
| 2008-03-31 | 21.24% |
| 2007-12-31 | 33.91% |
| 2007-09-30 | 40.66% |
| 2007-06-30 | 41.16% |
| 2007-03-31 | 40.40% |
| 2006-12-31 | 41.57% |
| 2006-09-30 | 42.94% |
| 2006-06-30 | 43.67% |
| 2006-03-31 | 43.09% |
| 2005-12-31 | 44.29% |
| 2005-09-30 | 43.65% |
| 2005-06-30 | 44.60% |
| 2005-03-31 | 43.60% |
| 2004-12-31 | 48.55% |
| 2004-09-30 | 41.77% |
| 2004-06-30 | 41.67% |
| 2004-03-31 | 40.82% |
