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 16.16% is 24% below its 5-year average of 21.22%, near the low end of its 5-year range (8.23%–46.57%).
1.12% above its 12-month average of 15.98%.
Reported quarterly operating margin; no daily interpolation. Q4 FY2026 (2026-06-30): 19.32%.
OPERATING MARGIN
16.16%
OPERATING MARGIN AVG TTM
15.98%
OPERATING MARGIN AVG 3Y
17.17%
OPERATING MARGIN AVG 5Y
21.22%
OPERATING MARGIN AVG 10Y
17.66%
OPERATING MARGIN AVG 15Y
18.65%
OPERATING MARGIN AVG 20Y
18.09%
CURRENT VS TTM AVG
+1.12%
CURRENT VS 3Y AVG
-5.89%
CURRENT VS 5Y AVG
-23.83%
CURRENT VS 10Y AVG
-8.47%
CURRENT VS 15Y AVG
-13.33%
CURRENT VS 20Y AVG
-10.65%
SECTOR MEDIAN · FINANCIAL SERVICES
16.07%
median of 713 covered companies
CURRENT VS SECTOR MEDIAN
+0.56%
vs the sector median at left
Provident Financial Holdings, Inc.
Market Cap
$115.44M
Operating Margin
16.16%
TTM Avg
15.98%
3Y Avg
17.17%
5Y Avg
21.22%
Market Cap
$115.45M
Operating Margin
11.07%
TTM Avg
3.82%
3Y Avg
7.88%
5Y Avg
7.88%
Market Cap
$115.34M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$114.32M
Operating Margin
-122.75%
TTM Avg
-132.88%
3Y Avg
-45.77%
5Y Avg
-166.02%
Market Cap
$116.09M
Operating Margin
-14.34%
TTM Avg
-90.78%
3Y Avg
-33.47%
5Y Avg
-9.64%
Market Cap
$117.17M
Operating Margin
6.85%
TTM Avg
-0.64%
3Y Avg
7.53%
5Y Avg
12.41%
Market Cap
$117.18M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$117.61M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$113.24M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Provident Financial Holdings, Inc. (PROV) | $115.44M | 16.16% | 15.98% | 17.17% | 21.22% |
| Winchester Bancorp, Inc. Common Stock (WSBK)vs › | $115.45M | 11.07% | 3.82% | 7.88% | 7.88% |
| FG Communities Holdings Inc. (FGCPP)vs › | $115.34M | N/A | N/A | N/A | N/A |
| Waton Financial Limited Ordinary Shares (WTF)vs › | $114.32M | -122.75% | -132.88% | -45.77% | -166.02% |
| TOP Financial Group Limited (TOP)vs › | $116.09M | -14.34% | -90.78% | -33.47% | -9.64% |
| Bogota Financial Corp. (BSBK)vs › | $117.17M | 6.85% | -0.64% | 7.53% | 12.41% |
| Charlton Aria Acquisition Corporation (CHAR)vs › | $117.18M | 0.00% | 0.00% | 0.00% | 0.00% |
| Burtech Acquisition Corp II (BRKH)vs › | $117.61M | N/A | N/A | N/A | N/A |
| Quantumsphere Acquisition Corp. Ordinary Shares (QUMS)vs › | $113.24M | 0.00% | 0.00% | 0.00% | 0.00% |
| Sound Financial Bancorp, Inc. (SFBC)vs › | $104.76M | 15.70% | 11.59% | 15.97% | 19.72% |
Operating Margin
16.2%
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 | 19.32% |
| 2026-03-31 | 13.11% |
| 2025-12-31 | 13.79% |
| 2025-09-30 | 18.28% |
| 2025-06-30 | 15.39% |
| 2025-03-31 | 17.31% |
| 2024-12-31 | 8.23% |
| 2024-09-30 | 17.96% |
| 2024-06-30 | 17.93% |
| 2024-03-31 | 14.43% |
| 2023-12-31 | 20.80% |
| 2023-09-30 | 17.66% |
| 2023-06-30 | 20.06% |
| 2023-03-31 | 25.32% |
| 2022-12-31 | 27.64% |
| 2022-09-30 | 27.13% |
| 2022-06-30 | 35.00% |
| 2022-03-31 | 25.59% |
| 2021-12-31 | 32.38% |
| 2021-09-30 | 36.96% |
| 2021-06-30 | 46.57% |
| 2021-03-31 | 20.22% |
| 2020-12-31 | 16.77% |
| 2020-09-30 | 19.85% |
| 2020-06-30 | 20.91% |
| 2020-03-31 | 13.98% |
| 2019-12-31 | 27.47% |
| 2019-09-30 | 29.59% |
| 2019-06-30 | 8.69% |
| 2019-03-31 | -2.40% |
| 2018-12-31 | 18.41% |
| 2018-09-30 | 15.69% |
| 2018-06-30 | 14.64% |
| 2018-03-31 | 15.09% |
| 2017-12-31 | 8.01% |
| 2017-09-30 | -2.53% |
| 2017-06-30 | 8.72% |
| 2017-03-31 | 10.75% |
| 2016-12-31 | 13.95% |
| 2016-09-30 | 14.25% |
| 2016-06-30 | 21.01% |
| 2016-03-31 | 14.08% |
| 2015-12-31 | 9.96% |
| 2015-09-30 | 20.65% |
| 2015-06-30 | 20.45% |
| 2015-03-31 | 21.64% |
| 2014-12-31 | 21.14% |
| 2014-09-30 | 22.16% |
| 2014-06-30 | 19.60% |
| 2014-03-31 | 15.91% |
| 2013-12-31 | 16.97% |
| 2013-09-30 | 13.97% |
| 2013-06-30 | 33.28% |
| 2013-03-31 | 31.70% |
| 2012-12-31 | 37.96% |
| 2012-09-30 | 38.92% |
| 2012-06-30 | 25.92% |
| 2012-03-31 | 17.11% |
| 2011-12-31 | 15.47% |
| 2011-09-30 | 18.88% |
| 2011-06-30 | 17.59% |
| 2011-03-31 | 18.21% |
| 2010-12-31 | 29.31% |
| 2010-09-30 | 30.72% |
| 2010-06-30 | 24.73% |
| 2010-03-31 | 3.10% |
| 2009-12-31 | 17.99% |
| 2009-09-30 | -32.78% |
| 2009-06-30 | 0.97% |
| 2009-03-31 | -16.49% |
| 2008-12-31 | -47.38% |
| 2008-09-30 | 2.64% |
| 2008-06-30 | -8.92% |
| 2008-03-31 | 7.31% |
| 2007-12-31 | 7.91% |
| 2007-09-30 | 6.38% |
| 2007-06-30 | 13.79% |
| 2007-03-31 | 15.31% |
| 2006-12-31 | 9.38% |
| 2006-09-30 | 29.38% |
| 2006-06-30 | 24.92% |
| 2006-03-31 | 23.67% |
| 2005-12-31 | 44.84% |
| 2005-09-30 | 31.95% |
| 2005-06-30 | 30.85% |
| 2005-03-31 | 32.34% |
| 2004-12-31 | 34.65% |
| 2004-09-30 | 33.61% |
| 2004-06-30 | 36.20% |
| 2004-03-31 | 33.96% |
| 2003-12-31 | 27.98% |
| 2003-09-30 | 31.37% |
| 2003-06-30 | 36.18% |
| 2003-03-31 | 35.36% |
| 2002-12-31 | 30.04% |
| 2002-09-30 | 30.17% |
