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 15.54% is 27% below its 5-year average of 21.35%, near the low end of its 5-year range (9.57%–40.72%).
7.74% above its 12-month average of 14.42%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 18.23%.
OPERATING MARGIN
15.54%
OPERATING MARGIN AVG TTM
14.42%
OPERATING MARGIN AVG 3Y
13.21%
OPERATING MARGIN AVG 5Y
21.35%
OPERATING MARGIN AVG 10Y
23.94%
OPERATING MARGIN AVG 15Y
24.12%
OPERATING MARGIN AVG 20Y
22.42%
CURRENT VS TTM AVG
+7.74%
CURRENT VS 3Y AVG
+17.62%
CURRENT VS 5Y AVG
-27.22%
CURRENT VS 10Y AVG
-35.09%
CURRENT VS 15Y AVG
-35.57%
CURRENT VS 20Y AVG
-30.68%
SECTOR MEDIAN · FINANCIAL SERVICES
16.19%
median of 639 covered companies
CURRENT VS SECTOR MEDIAN
-4.01%
vs the sector median at left
Peapack-Gladstone Financial Corporation
Market Cap
$787.06M
Operating Margin
15.54%
TTM Avg
14.42%
3Y Avg
13.21%
5Y Avg
21.35%
Market Cap
$794.67M
Operating Margin
28.70%
TTM Avg
25.88%
3Y Avg
24.82%
5Y Avg
31.46%
Market Cap
$796.38M
Operating Margin
34.68%
TTM Avg
52.91%
3Y Avg
60.80%
5Y Avg
60.77%
Market Cap
$774.66M
Operating Margin
24.17%
TTM Avg
-0.81%
3Y Avg
11.69%
5Y Avg
19.17%
Market Cap
$804.73M
Operating Margin
28.25%
TTM Avg
18.09%
3Y Avg
14.12%
5Y Avg
10.98%
Market Cap
$763.30M
Operating Margin
25.31%
TTM Avg
20.46%
3Y Avg
19.42%
5Y Avg
22.14%
Market Cap
$813.52M
Operating Margin
29.94%
TTM Avg
19.41%
3Y Avg
21.12%
5Y Avg
23.95%
Market Cap
$816.68M
Operating Margin
10.36%
TTM Avg
6.87%
3Y Avg
10.87%
5Y Avg
16.20%
Market Cap
$817.02M
Operating Margin
-135.44%
TTM Avg
-42.42%
3Y Avg
15.56%
5Y Avg
34.37%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Peapack-Gladstone Financial Corporation (PGC) | $787.06M | 15.54% | 14.42% | 13.21% | 21.35% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $794.67M | 28.70% | 25.88% | 24.82% | 31.46% |
| River City Bank (RCBC)vs › | $796.38M | 34.68% | 52.91% | 60.80% | 60.77% |
| Financial Institutions, Inc. (FISI)vs › | $774.66M | 24.17% | -0.81% | 11.69% | 19.17% |
| GCM Grosvenor Inc. (GCMG)vs › | $804.73M | 28.25% | 18.09% | 14.12% | 10.98% |
| Shore Bancshares, Inc. (SHBI)vs › | $763.30M | 25.31% | 20.46% | 19.42% | 22.14% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $813.52M | 29.94% | 19.41% | 21.12% | 23.95% |
| Alerus Financial Corporation (ALRS)vs › | $816.68M | 10.36% | 6.87% | 10.87% | 16.20% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -135.44% | -42.42% | 15.56% | 34.37% |
| South Plains Financial, Inc. (SPFI)vs › | $820.76M | 27.18% | 23.66% | 27.70% | 27.83% |
Operating Margin
15.5%
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 | 18.23% |
| 2026-03-31 | 16.77% |
| 2025-12-31 | 14.69% |
| 2025-09-30 | 12.20% |
| 2025-06-30 | 10.24% |
| 2025-03-31 | 10.03% |
| 2024-12-31 | 11.65% |
| 2024-09-30 | 10.63% |
| 2024-06-30 | 9.57% |
| 2024-03-31 | 12.80% |
| 2023-12-31 | 12.37% |
| 2023-09-30 | 13.01% |
| 2023-06-30 | 19.57% |
| 2023-03-31 | 28.49% |
| 2022-12-31 | 36.43% |
| 2022-09-30 | 38.87% |
| 2022-06-30 | 40.72% |
| 2022-03-31 | 30.23% |
| 2021-12-31 | 33.95% |
| 2021-09-30 | 33.20% |
| 2021-06-30 | 34.76% |
| 2021-03-31 | 31.74% |
| 2020-12-31 | 8.58% |
| 2020-09-30 | 31.05% |
| 2020-06-30 | 19.68% |
| 2020-03-31 | -3.29% |
| 2019-12-31 | 29.12% |
| 2019-09-30 | 28.89% |
| 2019-06-30 | 25.98% |
| 2019-03-31 | 28.28% |
| 2018-12-31 | 26.38% |
| 2018-09-30 | 28.05% |
| 2018-06-30 | 30.74% |
| 2018-03-31 | 29.65% |
| 2017-12-31 | 28.59% |
| 2017-09-30 | 35.54% |
| 2017-06-30 | 30.90% |
| 2017-03-31 | 31.05% |
| 2016-12-31 | 31.43% |
| 2016-09-30 | 31.28% |
| 2016-06-30 | 29.58% |
| 2016-03-31 | 26.14% |
| 2015-12-31 | 20.43% |
| 2015-09-30 | 28.72% |
| 2015-06-30 | 28.07% |
| 2015-03-31 | 30.22% |
| 2014-12-31 | 26.63% |
| 2014-09-30 | 26.23% |
| 2014-06-30 | 27.05% |
| 2014-03-31 | 23.02% |
| 2013-12-31 | 17.46% |
| 2013-09-30 | 17.21% |
| 2013-06-30 | 17.89% |
| 2013-03-31 | 26.36% |
| 2012-12-31 | 10.40% |
| 2012-09-30 | 25.55% |
| 2012-06-30 | 23.86% |
| 2012-03-31 | 27.15% |
| 2011-12-31 | 19.44% |
| 2011-09-30 | 21.60% |
| 2011-06-30 | 18.85% |
| 2011-03-31 | 17.08% |
| 2010-12-31 | 13.68% |
| 2010-09-30 | 14.54% |
| 2010-06-30 | 13.09% |
| 2010-03-31 | 16.04% |
| 2009-12-31 | 9.94% |
| 2009-09-30 | 9.61% |
| 2009-06-30 | 13.39% |
| 2009-03-31 | 17.92% |
| 2008-12-31 | 147.89% |
| 2008-09-30 | 24.87% |
| 2008-06-30 | 25.19% |
| 2008-03-31 | 23.58% |
| 2007-12-31 | 23.04% |
| 2007-09-30 | 17.87% |
| 2007-06-30 | 19.16% |
| 2007-03-31 | 18.69% |
| 2006-12-31 | 19.52% |
| 2006-09-30 | 7.78% |
| 2006-06-30 | 18.81% |
| 2006-03-31 | 24.26% |
| 2005-12-31 | 23.98% |
| 2005-09-30 | 27.26% |
| 2005-06-30 | 27.78% |
| 2005-03-31 | 34.62% |
| 2004-12-31 | 31.63% |
| 2004-09-30 | 37.12% |
| 2004-06-30 | 34.85% |
| 2004-03-31 | 36.48% |
| 2003-12-31 | 33.14% |
| 2003-09-30 | 33.46% |
| 2003-06-30 | 36.50% |
| 2003-03-31 | 36.80% |
| 2002-12-31 | 31.98% |
| 2002-09-30 | 34.69% |
