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 28.70% is in line with its 5-year average of 29.09%, around the middle of its 5-year range (5.47%–53.16%).
2.77% above its 12-month average of 27.93%.
Reported quarterly operating margin; no daily interpolation. Q4 FY2026 (2026-06-30): 31.64%.
OPERATING MARGIN
28.70%
OPERATING MARGIN AVG TTM
27.93%
OPERATING MARGIN AVG 3Y
25.80%
OPERATING MARGIN AVG 5Y
29.09%
OPERATING MARGIN AVG 10Y
30.23%
OPERATING MARGIN AVG 15Y
30.82%
OPERATING MARGIN AVG 20Y
28.87%
CURRENT VS TTM AVG
+2.77%
CURRENT VS 3Y AVG
+11.25%
CURRENT VS 5Y AVG
-1.34%
CURRENT VS 10Y AVG
-5.05%
CURRENT VS 15Y AVG
-6.88%
CURRENT VS 20Y AVG
-0.59%
SECTOR MEDIAN · FINANCIAL SERVICES
15.98%
median of 683 covered companies
CURRENT VS SECTOR MEDIAN
+79.60%
vs the sector median at left
Southern Missouri Bancorp, Inc.
Market Cap
$792.68M
Operating Margin
28.70%
TTM Avg
27.93%
3Y Avg
25.80%
5Y Avg
29.09%
Market Cap
$791.63M
Operating Margin
34.68%
TTM Avg
52.91%
3Y Avg
60.80%
5Y Avg
60.77%
Market Cap
$784.23M
Operating Margin
15.54%
TTM Avg
11.50%
3Y Avg
19.56%
5Y Avg
21.05%
Market Cap
$805.03M
Operating Margin
28.25%
TTM Avg
18.09%
3Y Avg
14.12%
5Y Avg
10.98%
Market Cap
$773.58M
Operating Margin
24.17%
TTM Avg
-0.81%
3Y Avg
11.69%
5Y Avg
19.17%
Market Cap
$811.26M
Operating Margin
29.94%
TTM Avg
19.41%
3Y Avg
21.12%
5Y Avg
23.95%
Market Cap
$814.72M
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%
Market Cap
$819.06M
Operating Margin
27.18%
TTM Avg
23.66%
3Y Avg
27.70%
5Y Avg
27.83%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Southern Missouri Bancorp, Inc. (SMBC) | $792.68M | 28.70% | 27.93% | 25.80% | 29.09% |
| River City Bank (RCBC)vs › | $791.63M | 34.68% | 52.91% | 60.80% | 60.77% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $784.23M | 15.54% | 11.50% | 19.56% | 21.05% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.03M | 28.25% | 18.09% | 14.12% | 10.98% |
| Financial Institutions, Inc. (FISI)vs › | $773.58M | 24.17% | -0.81% | 11.69% | 19.17% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $811.26M | 29.94% | 19.41% | 21.12% | 23.95% |
| Alerus Financial Corporation (ALRS)vs › | $814.72M | 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 › | $819.06M | 27.18% | 23.66% | 27.70% | 27.83% |
| Shore Bancshares, Inc. (SHBI)vs › | $760.62M | 25.31% | 20.46% | 19.42% | 22.14% |
Operating Margin
28.7%
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 | 31.64% |
| 2026-04-21 | 28.15% |
| 2025-12-31 | 30.85% |
| 2025-09-30 | 24.42% |
| 2025-06-30 | 24.56% |
| 2025-03-31 | 25.89% |
| 2024-12-31 | 25.17% |
| 2024-09-30 | 21.24% |
| 2024-06-30 | 23.42% |
| 2024-03-31 | 20.32% |
| 2023-12-31 | 22.86% |
| 2023-09-30 | 26.01% |
| 2023-06-30 | 30.84% |
| 2023-03-31 | 5.47% |
| 2022-12-31 | 33.70% |
| 2022-09-30 | 29.74% |
| 2022-06-30 | 43.83% |
| 2022-03-31 | 35.22% |
| 2021-12-31 | 45.75% |
| 2021-09-30 | 48.64% |
| 2021-06-30 | 53.16% |
| 2021-03-31 | 46.02% |
| 2020-12-31 | 45.25% |
| 2020-09-30 | 39.90% |
| 2020-06-30 | 27.68% |
| 2020-03-31 | 21.15% |
| 2019-12-31 | 31.79% |
| 2019-09-30 | 32.24% |
| 2019-06-30 | 32.23% |
| 2019-03-31 | 30.84% |
| 2018-12-31 | 33.34% |
| 2018-09-30 | 33.90% |
| 2018-06-30 | 30.95% |
| 2018-03-31 | 30.91% |
| 2017-12-31 | 35.02% |
| 2017-09-30 | 31.67% |
| 2017-06-30 | 27.61% |
| 2017-03-31 | 30.76% |
| 2016-12-31 | 33.76% |
| 2016-09-30 | 29.12% |
| 2016-06-30 | 32.15% |
| 2016-03-31 | 30.80% |
| 2015-12-31 | 35.90% |
| 2015-09-30 | 33.29% |
| 2015-06-30 | 33.46% |
| 2015-03-31 | 30.55% |
| 2014-12-31 | 30.02% |
| 2014-09-30 | 31.36% |
| 2014-06-30 | 30.48% |
| 2014-03-31 | 27.02% |
| 2013-12-31 | 29.65% |
| 2013-09-30 | 34.81% |
| 2013-06-30 | 33.85% |
| 2013-03-31 | 34.48% |
| 2012-12-31 | 34.86% |
| 2012-09-30 | 36.30% |
| 2012-06-30 | 31.81% |
| 2012-03-31 | 30.09% |
| 2011-12-31 | 37.26% |
| 2011-09-30 | 37.90% |
| 2011-06-30 | 108.16% |
| 2011-03-31 | 26.72% |
| 2010-12-31 | 103.00% |
| 2010-09-30 | 22.56% |
| 2010-06-30 | 21.58% |
| 2010-03-31 | 17.58% |
| 2009-12-31 | 20.70% |
| 2009-09-30 | 18.20% |
| 2009-06-30 | 23.56% |
| 2009-03-31 | 20.47% |
| 2008-12-31 | 19.75% |
| 2008-09-30 | 20.24% |
| 2008-06-30 | 22.32% |
| 2008-03-31 | 19.19% |
| 2007-12-31 | 18.70% |
| 2007-09-30 | 17.52% |
| 2007-06-30 | 13.16% |
| 2007-03-31 | 15.26% |
| 2006-12-31 | 16.76% |
| 2006-09-30 | 18.27% |
| 2006-06-30 | 18.10% |
| 2006-03-31 | 17.52% |
| 2005-12-30 | 18.83% |
| 2005-09-30 | 19.59% |
| 2005-06-30 | -19.34% |
| 2005-03-31 | -36.07% |
| 2004-12-31 | 28.51% |
| 2004-09-30 | 25.11% |
| 2004-06-30 | 22.35% |
| 2004-03-31 | 24.37% |
| 2003-12-31 | 25.96% |
| 2003-09-30 | 25.47% |
| 2003-06-30 | 22.71% |
| 2003-03-31 | 24.55% |
| 2002-12-31 | 23.96% |
| 2002-09-30 | 23.17% |
