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 34.68% is 65% above its 3-year average of 21.05%, near the high end of its 3-year range (0.00%–38.24%).
2.13% below its 12-month average of 35.44%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 34.49%.
OPERATING MARGIN
34.68%
OPERATING MARGIN AVG TTM
35.44%
OPERATING MARGIN AVG 3Y
23.39%
OPERATING MARGIN AVG 5Y
21.05%
OPERATING MARGIN AVG 10Y
21.05%
OPERATING MARGIN AVG 15Y
27.74%
OPERATING MARGIN AVG 20Y
19.76%
CURRENT VS TTM AVG
-2.13%
CURRENT VS 3Y AVG
+48.28%
CURRENT VS 5Y AVG
+64.75%
CURRENT VS 10Y AVG
+64.75%
CURRENT VS 15Y AVG
+25.02%
CURRENT VS 20Y AVG
+75.49%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+115.54%
vs the sector median at left
River City Bank
Market Cap
$787.88M
Operating Margin
34.68%
TTM Avg
35.44%
3Y Avg
23.39%
5Y Avg
21.05%
Market Cap
$788.83M
Operating Margin
28.70%
TTM Avg
25.88%
3Y Avg
24.82%
5Y Avg
31.46%
Market Cap
$782.81M
Operating Margin
15.54%
TTM Avg
11.50%
3Y Avg
19.56%
5Y Avg
21.05%
Market Cap
$773.28M
Operating Margin
24.17%
TTM Avg
-0.81%
3Y Avg
11.69%
5Y Avg
19.17%
Market Cap
$805.64M
Operating Margin
28.25%
TTM Avg
18.09%
3Y Avg
14.12%
5Y Avg
10.98%
Market Cap
$764.34M
Operating Margin
38.59%
TTM Avg
32.08%
3Y Avg
26.51%
5Y Avg
28.85%
Market Cap
$812.04M
Operating Margin
29.94%
TTM Avg
19.41%
3Y Avg
21.12%
5Y Avg
23.95%
Market Cap
$813.16M
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 |
|---|---|---|---|---|---|
| River City Bank (RCBC) | $787.88M | 34.68% | 35.44% | 23.39% | 21.05% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $788.83M | 28.70% | 25.88% | 24.82% | 31.46% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 15.54% | 11.50% | 19.56% | 21.05% |
| Financial Institutions, Inc. (FISI)vs › | $773.28M | 24.17% | -0.81% | 11.69% | 19.17% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 28.25% | 18.09% | 14.12% | 10.98% |
| PRA Group, Inc. (PRAA)vs › | $764.34M | 38.59% | 32.08% | 26.51% | 28.85% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $812.04M | 29.94% | 19.41% | 21.12% | 23.95% |
| Alerus Financial Corporation (ALRS)vs › | $813.16M | 10.36% | 6.87% | 10.87% | 16.20% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -135.44% | -42.42% | 15.56% | 34.37% |
| Armada Acquisition Corp. II (XRPN)vs › | $757.82M | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Margin
34.7%
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 | 34.49% |
| 2026-03-31 | 32.69% |
| 2025-12-31 | 33.95% |
| 2025-09-30 | 37.81% |
| 2025-06-30 | 38.24% |
| 2025-03-31 | 33.32% |
| 2023-12-31 | 0.00% |
| 2023-09-30 | 0.00% |
| 2023-06-30 | 0.00% |
| 2023-03-31 | 0.00% |
| 2013-12-31 | 94.63% |
| 2010-03-31 | 9.25% |
| 2006-12-31 | -240.43% |
| 2006-09-30 | -634.81% |
| 2006-06-30 | 17.39% |
| 2006-03-31 | -603.88% |
| 2005-12-31 | -85.64% |
| 2005-09-30 | 0.00% |
| 2005-06-30 | -695.71% |
| 2005-03-31 | -1382.35% |
