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 25.31% is in line with its 5-year average of 23.32%, near the high end of its 5-year range (-19.02%–36.43%).
1.04% above its 12-month average of 25.05%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 29.02%.
OPERATING MARGIN
25.31%
OPERATING MARGIN AVG TTM
25.05%
OPERATING MARGIN AVG 3Y
20.51%
OPERATING MARGIN AVG 5Y
23.32%
OPERATING MARGIN AVG 10Y
27.25%
OPERATING MARGIN AVG 15Y
23.02%
OPERATING MARGIN AVG 20Y
22.14%
CURRENT VS TTM AVG
+1.04%
CURRENT VS 3Y AVG
+23.40%
CURRENT VS 5Y AVG
+8.55%
CURRENT VS 10Y AVG
-7.11%
CURRENT VS 15Y AVG
+9.94%
CURRENT VS 20Y AVG
+14.31%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+57.30%
vs the sector median at left
Shore Bancshares, Inc.
Market Cap
$757.78M
Operating Margin
25.31%
TTM Avg
25.05%
3Y Avg
20.51%
5Y Avg
23.32%
Market Cap
$757.82M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$764.34M
Operating Margin
38.59%
TTM Avg
32.08%
3Y Avg
26.51%
5Y Avg
28.85%
Market Cap
$773.28M
Operating Margin
24.17%
TTM Avg
-0.81%
3Y Avg
11.69%
5Y Avg
19.17%
Market Cap
$737.50M
Operating Margin
26.72%
TTM Avg
26.02%
3Y Avg
28.17%
5Y Avg
30.41%
Market Cap
$782.81M
Operating Margin
15.54%
TTM Avg
11.50%
3Y Avg
19.56%
5Y Avg
21.05%
Market Cap
$732.40M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$729.72M
Operating Margin
86.18%
TTM Avg
70.43%
3Y Avg
64.69%
5Y Avg
58.97%
Market Cap
$728.69M
Operating Margin
18.58%
TTM Avg
2.60%
3Y Avg
14.04%
5Y Avg
21.54%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Shore Bancshares, Inc. (SHBI) | $757.78M | 25.31% | 25.05% | 20.51% | 23.32% |
| Armada Acquisition Corp. II (XRPN)vs › | $757.82M | 0.00% | 0.00% | 0.00% | 0.00% |
| PRA Group, Inc. (PRAA)vs › | $764.34M | 38.59% | 32.08% | 26.51% | 28.85% |
| Financial Institutions, Inc. (FISI)vs › | $773.28M | 24.17% | -0.81% | 11.69% | 19.17% |
| Independent Bank Corporation (IBCP)vs › | $737.50M | 26.72% | 26.02% | 28.17% | 30.41% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 15.54% | 11.50% | 19.56% | 21.05% |
| OFS Credit Company, Inc. (OCCIM)vs › | $732.40M | N/A | N/A | N/A | N/A |
| Carlyle Secured Lending, Inc. (CGBD)vs › | $729.72M | 86.18% | 70.43% | 64.69% | 58.97% |
| Washington Trust Bancorp, Inc. (WASH)vs › | $728.69M | 18.58% | 2.60% | 14.04% | 21.54% |
| New Mountain Finance Corporation 8.250% Notes due 2028 (NMFCZ)vs › | $727.94M | 18.79% | 44.74% | 54.27% | 57.43% |
Operating Margin
25.3%
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 | 29.02% |
| 2026-03-31 | 26.46% |
| 2025-12-31 | 23.40% |
| 2025-09-30 | 22.36% |
| 2025-06-30 | 24.01% |
| 2025-03-31 | 21.98% |
| 2024-12-31 | 21.28% |
| 2024-09-30 | 18.26% |
| 2024-06-30 | 18.39% |
| 2024-03-31 | 13.64% |
| 2023-12-31 | 14.17% |
| 2023-09-30 | -19.02% |
| 2023-06-30 | 13.15% |
| 2023-03-31 | 22.01% |
| 2022-12-31 | 29.77% |
| 2022-09-30 | 36.43% |
| 2022-06-30 | 31.25% |
| 2022-03-31 | 24.84% |
| 2021-12-31 | 14.51% |
| 2021-09-30 | 31.67% |
| 2021-06-30 | 29.73% |
| 2021-03-31 | 30.35% |
| 2020-12-31 | 28.08% |
| 2020-09-30 | 25.93% |
| 2020-06-30 | 41.10% |
| 2020-03-31 | 24.48% |
| 2019-12-31 | 31.16% |
| 2019-09-30 | 31.74% |
| 2019-06-30 | 32.94% |
| 2019-03-31 | 30.50% |
| 2018-12-31 | 41.75% |
| 2018-09-30 | 34.70% |
| 2018-06-30 | 35.43% |
| 2018-03-31 | 29.71% |
| 2017-12-31 | 32.97% |
| 2017-09-30 | 32.75% |
| 2017-06-30 | 24.99% |
| 2017-03-31 | 30.56% |
| 2016-12-31 | 31.22% |
| 2016-09-30 | 26.98% |
| 2016-06-30 | 26.23% |
| 2016-03-31 | 27.65% |
| 2015-12-31 | 26.85% |
| 2015-09-30 | 22.62% |
| 2015-06-30 | 19.74% |
| 2015-03-31 | 16.78% |
| 2014-12-31 | 15.69% |
| 2014-09-30 | 14.88% |
| 2014-06-30 | 15.57% |
| 2014-03-31 | 14.72% |
| 2013-12-31 | 13.60% |
| 2013-09-30 | -129.13% |
| 2013-06-30 | 3.53% |
| 2013-03-31 | 2.23% |
| 2012-12-31 | -68.57% |
| 2012-09-30 | -21.02% |
| 2012-06-30 | 2.65% |
| 2012-03-31 | -31.78% |
| 2011-12-31 | 2.51% |
| 2011-09-30 | 1.83% |
| 2011-06-30 | -1.55% |
| 2011-03-31 | -11.83% |
| 2010-12-31 | 7.54% |
| 2010-09-30 | -8.07% |
| 2010-06-30 | 3.53% |
| 2010-03-31 | -14.22% |
| 2009-12-31 | 9.99% |
| 2009-09-30 | 16.04% |
| 2009-06-30 | 15.31% |
| 2009-03-31 | 18.12% |
| 2008-12-31 | 18.84% |
| 2008-09-30 | 23.61% |
| 2008-06-30 | 22.06% |
| 2008-03-31 | 25.57% |
| 2007-12-31 | 25.39% |
| 2007-09-30 | 27.12% |
| 2007-06-30 | 27.38% |
| 2007-03-31 | 27.74% |
| 2006-12-31 | 26.36% |
| 2006-09-30 | 28.30% |
| 2006-06-30 | 34.42% |
| 2006-03-31 | 34.09% |
| 2005-12-31 | 33.72% |
| 2005-09-30 | 33.87% |
| 2005-06-30 | 37.92% |
| 2005-03-31 | 35.55% |
| 2004-12-31 | 27.71% |
| 2004-09-30 | 35.99% |
| 2004-06-30 | 33.78% |
| 2004-03-31 | 34.84% |
| 2003-12-31 | 32.46% |
| 2003-09-30 | 32.38% |
| 2003-06-30 | 34.10% |
| 2003-03-31 | 34.57% |
| 2002-12-31 | 32.85% |
| 2002-09-30 | 34.32% |
