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 28.79% is 14% below its 5-year average of 33.52%, near the low end of its 5-year range (23.90%–44.39%).
0.83% above its 12-month average of 28.55%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 23.90%.
OPERATING MARGIN
28.79%
OPERATING MARGIN AVG TTM
28.55%
OPERATING MARGIN AVG 3Y
30.06%
OPERATING MARGIN AVG 5Y
33.52%
OPERATING MARGIN AVG 10Y
34.09%
OPERATING MARGIN AVG 15Y
33.68%
OPERATING MARGIN AVG 20Y
32.53%
CURRENT VS TTM AVG
+0.83%
CURRENT VS 3Y AVG
-4.24%
CURRENT VS 5Y AVG
-14.12%
CURRENT VS 10Y AVG
-15.56%
CURRENT VS 15Y AVG
-14.52%
CURRENT VS 20Y AVG
-11.48%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+78.93%
vs the sector median at left
S&T Bancorp, Inc.
Market Cap
$1.72B
Operating Margin
28.79%
TTM Avg
28.55%
3Y Avg
30.06%
5Y Avg
33.52%
Market Cap
$1.72B
Operating Margin
16.07%
TTM Avg
10.82%
3Y Avg
19.12%
5Y Avg
23.94%
Market Cap
$1.73B
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.69B
Operating Margin
34.54%
TTM Avg
36.14%
3Y Avg
42.72%
5Y Avg
44.14%
Market Cap
$1.68B
Operating Margin
-47.47%
TTM Avg
-47.47%
3Y Avg
-47.47%
5Y Avg
-47.47%
Market Cap
$1.68B
Operating Margin
34.49%
TTM Avg
30.67%
3Y Avg
34.05%
5Y Avg
35.44%
Market Cap
$1.77B
Operating Margin
18.19%
TTM Avg
15.30%
3Y Avg
11.87%
5Y Avg
1.38%
Market Cap
$1.66B
Operating Margin
17.73%
TTM Avg
26.41%
3Y Avg
31.96%
5Y Avg
34.24%
Market Cap
$1.65B
Operating Margin
18.07%
TTM Avg
18.51%
3Y Avg
26.12%
5Y Avg
31.29%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| S&T Bancorp, Inc. (STBA) | $1.72B | 28.79% | 28.55% | 30.06% | 33.52% |
| Hope Bancorp, Inc. (HOPE)vs › | $1.72B | 16.07% | 10.82% | 19.12% | 23.94% |
| Wintrust Financial Corporation (WTFCN)vs › | $1.73B | N/A | N/A | N/A | N/A |
| Bank First Corporation (BFC)vs › | $1.69B | 34.54% | 36.14% | 42.72% | 44.14% |
| Hyperliquid Strategies Inc Common Stock (PURR)vs › | $1.68B | -47.47% | -47.47% | -47.47% | -47.47% |
| TriCo Bancshares (TCBK)vs › | $1.68B | 34.49% | 30.67% | 34.05% | 35.44% |
| Happen, Inc. Common Stock (HAPN)vs › | $1.77B | 18.19% | 15.30% | 11.87% | 1.38% |
| Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)vs › | $1.66B | 17.73% | 26.41% | 31.96% | 34.24% |
| ConnectOne Bancorp, Inc. (CNOBP)vs › | $1.65B | 18.07% | 18.51% | 26.12% | 31.29% |
| EZCORP, Inc. (EZPW)vs › | $1.81B | 13.90% | 10.70% | 9.66% | 6.17% |
Operating Margin
28.8%
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 | 23.90% |
| 2026-03-31 | 31.47% |
| 2025-12-31 | 29.17% |
| 2025-09-30 | 30.15% |
| 2025-06-30 | 28.08% |
| 2025-03-31 | 30.83% |
| 2024-12-31 | 29.76% |
| 2024-09-30 | 28.91% |
| 2024-06-30 | 30.17% |
| 2024-03-31 | 27.86% |
| 2023-12-31 | 31.79% |
| 2023-09-30 | 30.54% |
| 2023-06-30 | 32.05% |
| 2023-03-31 | 39.78% |
| 2022-12-31 | 42.28% |
| 2022-09-30 | 44.39% |
| 2022-06-30 | 40.12% |
| 2022-03-31 | 42.25% |
| 2021-12-31 | 31.21% |
| 2021-09-30 | 38.72% |
| 2021-06-30 | 40.62% |
| 2021-03-31 | 42.58% |
| 2020-12-31 | 32.78% |
| 2020-09-30 | 21.46% |
| 2020-06-30 | -48.14% |
| 2020-03-31 | 16.00% |
| 2019-12-31 | 28.01% |
| 2019-09-30 | 34.11% |
| 2019-06-30 | 33.69% |
| 2019-03-31 | 30.18% |
| 2018-12-31 | 36.27% |
| 2018-09-30 | 39.40% |
| 2018-06-30 | 30.35% |
| 2018-03-31 | 40.24% |
| 2017-12-31 | 39.19% |
| 2017-09-30 | 39.37% |
| 2017-06-30 | 38.64% |
| 2017-03-31 | 33.56% |
| 2016-12-31 | 33.56% |
| 2016-09-30 | 39.22% |
| 2016-06-30 | 33.02% |
| 2016-03-31 | 31.09% |
| 2015-12-31 | 36.48% |
| 2015-09-30 | 37.86% |
| 2015-06-30 | 37.41% |
| 2015-03-31 | 31.28% |
| 2014-12-31 | 35.09% |
| 2014-09-30 | 37.24% |
| 2014-06-30 | 37.94% |
| 2014-03-31 | 35.55% |
| 2013-12-31 | 31.86% |
| 2013-09-30 | 32.19% |
| 2013-06-30 | 35.11% |
| 2013-03-31 | 29.36% |
| 2012-12-31 | 23.62% |
| 2012-09-30 | 28.41% |
| 2012-06-30 | 19.23% |
| 2012-03-31 | 8.30% |
| 2011-12-31 | 32.09% |
| 2011-09-30 | 36.11% |
| 2011-06-30 | 35.85% |
| 2011-03-31 | 14.67% |
| 2010-12-31 | 24.27% |
| 2010-09-30 | 27.89% |
| 2010-06-30 | 23.28% |
| 2010-03-31 | 26.29% |
| 2009-12-31 | 20.43% |
| 2009-09-30 | 20.94% |
| 2009-06-30 | -30.06% |
| 2009-03-31 | -2.80% |
| 2008-12-31 | 34.97% |
| 2008-09-30 | 30.93% |
| 2008-06-30 | 33.13% |
| 2008-03-31 | 34.73% |
| 2007-12-31 | 29.27% |
| 2007-09-30 | 32.59% |
| 2007-06-30 | 29.96% |
| 2007-03-31 | 29.50% |
| 2006-12-31 | 29.08% |
| 2006-09-30 | 33.47% |
| 2006-06-30 | 25.27% |
| 2006-03-31 | 34.45% |
| 2005-12-31 | 36.38% |
| 2005-09-30 | 37.77% |
| 2005-06-30 | 43.57% |
| 2005-03-31 | 40.23% |
| 2004-12-31 | 44.42% |
| 2004-09-30 | 41.02% |
| 2004-06-30 | 42.18% |
| 2004-03-31 | 41.48% |
| 2003-12-31 | 38.54% |
| 2003-09-30 | 40.13% |
| 2003-06-30 | 38.93% |
| 2003-03-31 | 37.26% |
| 2002-12-31 | 37.19% |
| 2002-09-30 | 37.20% |
