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 36.39% is in line with its 5-year average of 35.91%, around the middle of its 5-year range (27.13%–45.77%).
2.52% above its 12-month average of 35.50%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.98%.
OPERATING MARGIN
36.39%
OPERATING MARGIN AVG TTM
35.50%
OPERATING MARGIN AVG 3Y
32.58%
OPERATING MARGIN AVG 5Y
35.91%
OPERATING MARGIN AVG 10Y
33.08%
OPERATING MARGIN AVG 15Y
31.79%
OPERATING MARGIN AVG 20Y
29.83%
CURRENT VS TTM AVG
+2.52%
CURRENT VS 3Y AVG
+11.71%
CURRENT VS 5Y AVG
+1.33%
CURRENT VS 10Y AVG
+10.00%
CURRENT VS 15Y AVG
+14.47%
CURRENT VS 20Y AVG
+21.98%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+126.17%
vs the sector median at left
1st Source Corporation
Market Cap
$2.07B
Operating Margin
36.39%
TTM Avg
35.50%
3Y Avg
32.58%
5Y Avg
35.91%
Market Cap
$2.10B
Operating Margin
37.73%
TTM Avg
23.66%
3Y Avg
20.43%
5Y Avg
26.08%
Market Cap
$2.03B
Operating Margin
40.65%
TTM Avg
42.52%
3Y Avg
42.50%
5Y Avg
41.79%
Market Cap
$1.99B
Operating Margin
38.00%
TTM Avg
40.20%
3Y Avg
43.24%
5Y Avg
44.21%
Market Cap
$1.99B
Operating Margin
27.68%
TTM Avg
29.75%
3Y Avg
35.32%
5Y Avg
34.62%
Market Cap
$2.16B
Operating Margin
27.68%
TTM Avg
29.75%
3Y Avg
35.32%
5Y Avg
34.62%
Market Cap
$2.19B
Operating Margin
15.93%
TTM Avg
17.98%
3Y Avg
23.03%
5Y Avg
24.37%
Market Cap
$1.94B
Operating Margin
8.03%
TTM Avg
-3.58%
3Y Avg
-28.89%
5Y Avg
-36.22%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| 1st Source Corporation (SRCE) | $2.07B | 36.39% | 35.50% | 32.58% | 35.91% |
| First Busey Corporation (BUSEP)vs › | $2.08B | N/A | N/A | N/A | N/A |
| Encore Capital Group, Inc. (ECPG)vs › | $2.10B | 37.73% | 23.66% | 20.43% | 26.08% |
| The Bancorp, Inc. (TBBK)vs › | $2.03B | 40.65% | 42.52% | 42.50% | 41.79% |
| City Holding Company (CHCO)vs › | $1.99B | 38.00% | 40.20% | 43.24% | 44.21% |
| Enterprise Financial Services Corp (EFSCP)vs › | $1.99B | 27.68% | 29.75% | 35.32% | 34.62% |
| Enterprise Financial Services Corp (EFSC)vs › | $2.16B | 27.68% | 29.75% | 35.32% | 34.62% |
| Northwest Bancshares, Inc. (NWBI)vs › | $2.19B | 15.93% | 17.98% | 23.03% | 24.37% |
| Porch Group, Inc. (PRCH)vs › | $1.94B | 8.03% | -3.58% | -28.89% | -36.22% |
| eToro Group Ltd. (ETOR)vs › | $2.21B | 3.75% | 2.06% | 0.59% | -1.21% |
Operating Margin
36.4%
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 | 38.98% |
| 2026-03-31 | 34.43% |
| 2025-12-31 | 36.06% |
| 2025-09-30 | 35.99% |
| 2025-06-30 | 32.03% |
| 2025-03-31 | 32.58% |
| 2024-12-31 | 28.28% |
| 2024-09-30 | 31.15% |
| 2024-06-30 | 33.05% |
| 2024-03-31 | 27.33% |
| 2023-12-31 | 27.13% |
| 2023-09-30 | 32.38% |
| 2023-06-30 | 34.12% |
| 2023-03-31 | 34.32% |
| 2022-12-31 | 37.11% |
| 2022-09-30 | 43.10% |
| 2022-06-30 | 41.97% |
| 2022-03-31 | 41.31% |
| 2021-12-31 | 41.30% |
| 2021-09-30 | 45.77% |
| 2021-06-30 | 45.76% |
| 2021-03-31 | 41.68% |
| 2020-12-31 | 36.12% |
| 2020-09-30 | 29.20% |
| 2020-06-30 | 26.99% |
| 2020-03-31 | 23.38% |
| 2019-12-31 | 30.04% |
| 2019-09-30 | 32.65% |
| 2019-06-30 | 31.34% |
| 2019-03-31 | 31.08% |
| 2018-12-31 | 29.79% |
| 2018-09-30 | 27.77% |
| 2018-06-30 | 30.94% |
| 2018-03-31 | 30.10% |
| 2017-12-31 | 28.77% |
| 2017-09-30 | 33.42% |
| 2017-06-30 | 34.17% |
| 2017-03-31 | 34.28% |
| 2016-12-31 | 32.69% |
| 2016-09-30 | 31.21% |
| 2016-06-30 | 32.05% |
| 2016-03-31 | 31.03% |
| 2015-12-31 | 32.46% |
| 2015-09-30 | 31.32% |
| 2015-06-30 | 35.64% |
| 2015-03-31 | 32.77% |
| 2014-12-31 | 30.03% |
| 2014-09-30 | 32.91% |
| 2014-06-30 | 34.99% |
| 2014-03-31 | 33.85% |
| 2013-12-31 | 31.05% |
| 2013-09-30 | 34.72% |
| 2013-06-30 | 33.92% |
| 2013-03-31 | 30.87% |
| 2012-12-31 | 28.12% |
| 2012-09-30 | 30.92% |
| 2012-06-30 | 29.20% |
| 2012-03-31 | 26.75% |
| 2011-12-31 | 26.02% |
| 2011-09-30 | 27.61% |
| 2011-06-30 | 33.19% |
| 2011-03-31 | 22.88% |
| 2010-12-31 | 24.81% |
| 2010-09-30 | 22.67% |
| 2010-06-30 | 16.14% |
| 2010-03-31 | 20.37% |
| 2009-12-31 | 12.09% |
| 2009-09-30 | 13.23% |
| 2009-06-30 | 11.98% |
| 2009-03-31 | 6.80% |
| 2008-12-31 | 20.77% |
| 2008-09-30 | 5.52% |
| 2008-06-30 | 13.43% |
| 2008-03-31 | 16.70% |
| 2007-12-31 | 10.05% |
| 2007-09-30 | 9.85% |
| 2007-06-30 | 15.05% |
| 2007-03-31 | 17.13% |
| 2006-12-31 | 15.88% |
| 2006-09-30 | 22.76% |
| 2006-06-30 | 22.19% |
| 2006-03-31 | 22.93% |
| 2005-12-31 | 20.32% |
| 2005-09-30 | 23.06% |
| 2005-06-30 | 22.02% |
| 2005-03-31 | 17.78% |
| 2004-12-31 | 20.43% |
| 2004-09-30 | 4.24% |
| 2004-06-30 | 22.82% |
| 2004-03-31 | 14.07% |
| 2003-12-31 | 13.65% |
| 2003-09-30 | 11.44% |
| 2003-06-30 | 10.05% |
| 2003-03-31 | 9.95% |
| 2002-12-31 | -0.95% |
| 2002-09-30 | 3.84% |
