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 27.18% is in line with its 5-year average of 26.67%, near the low end of its 5-year range (20.19%–62.78%).
2.28% above its 12-month average of 26.57%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 30.06%.
OPERATING MARGIN
27.18%
OPERATING MARGIN AVG TTM
26.57%
OPERATING MARGIN AVG 3Y
24.21%
OPERATING MARGIN AVG 5Y
26.67%
OPERATING MARGIN AVG 10Y
N/A
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+2.28%
CURRENT VS 3Y AVG
+12.25%
CURRENT VS 5Y AVG
+1.92%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
15.98%
median of 683 covered companies
CURRENT VS SECTOR MEDIAN
+70.09%
vs the sector median at left
South Plains Financial, Inc.
Market Cap
$819.06M
Operating Margin
27.18%
TTM Avg
26.57%
3Y Avg
24.21%
5Y Avg
26.67%
Market Cap
$817.02M
Operating Margin
-135.44%
TTM Avg
-42.42%
3Y Avg
15.56%
5Y Avg
34.37%
Market Cap
$814.72M
Operating Margin
10.36%
TTM Avg
6.87%
3Y Avg
10.87%
5Y Avg
16.20%
Market Cap
$811.26M
Operating Margin
29.94%
TTM Avg
19.41%
3Y Avg
21.12%
5Y Avg
23.95%
Market Cap
$805.03M
Operating Margin
28.25%
TTM Avg
18.09%
3Y Avg
14.12%
5Y Avg
10.98%
Market Cap
$841.68M
Operating Margin
77.14%
TTM Avg
40.63%
3Y Avg
27.31%
5Y Avg
25.01%
Market Cap
$792.68M
Operating Margin
28.70%
TTM Avg
25.88%
3Y Avg
24.82%
5Y Avg
31.46%
Market Cap
$847.28M
Operating Margin
30.04%
TTM Avg
27.48%
3Y Avg
25.36%
5Y Avg
25.05%
Market Cap
$791.63M
Operating Margin
34.68%
TTM Avg
52.91%
3Y Avg
60.80%
5Y Avg
60.77%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| South Plains Financial, Inc. (SPFI) | $819.06M | 27.18% | 26.57% | 24.21% | 26.67% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -135.44% | -42.42% | 15.56% | 34.37% |
| Alerus Financial Corporation (ALRS)vs › | $814.72M | 10.36% | 6.87% | 10.87% | 16.20% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $811.26M | 29.94% | 19.41% | 21.12% | 23.95% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.03M | 28.25% | 18.09% | 14.12% | 10.98% |
| Navient Corporation (NAVI)vs › | $841.68M | 77.14% | 40.63% | 27.31% | 25.01% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $792.68M | 28.70% | 25.88% | 24.82% | 31.46% |
| Capital City Bank Group, Inc. (CCBG)vs › | $847.28M | 30.04% | 27.48% | 25.36% | 25.05% |
| 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% |
Operating Margin
27.2%
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 | 30.06% |
| 2026-03-31 | 24.84% |
| 2025-12-31 | 25.67% |
| 2025-09-30 | 27.90% |
| 2025-06-30 | 24.41% |
| 2025-03-31 | 22.73% |
| 2024-12-31 | 28.31% |
| 2024-09-30 | 20.21% |
| 2024-06-30 | 20.24% |
| 2024-03-31 | 20.39% |
| 2023-12-31 | 20.19% |
| 2023-09-30 | 25.61% |
| 2023-06-30 | 62.78% |
| 2023-03-31 | 20.49% |
| 2022-12-31 | 27.86% |
| 2022-09-30 | 32.02% |
| 2022-06-30 | 34.13% |
| 2022-03-31 | 32.11% |
| 2021-12-31 | 32.48% |
| 2021-09-30 | 32.10% |
| 2021-06-30 | 31.61% |
| 2021-03-31 | 32.34% |
| 2020-12-31 | 33.68% |
| 2020-09-30 | 32.09% |
| 2020-06-30 | 12.10% |
| 2020-03-31 | 16.48% |
| 2019-12-31 | 25.23% |
| 2019-09-30 | 21.82% |
| 2019-06-30 | 17.04% |
| 2019-03-31 | 13.79% |
| 2018-12-31 | 16.31% |
| 2018-09-30 | 13.89% |
| 2018-06-30 | 15.83% |
| 2018-03-31 | 14.52% |
