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 14.86% is in line with its 5-year average of 16.06%, near the low end of its 5-year range (11.82%–24.84%).
1.47% above its 12-month average of 14.64%.
Reported quarterly operating margin; no daily interpolation. Q3 FY2026 (2026-06-30): 15.23%.
OPERATING MARGIN
14.86%
OPERATING MARGIN AVG TTM
14.64%
OPERATING MARGIN AVG 3Y
13.96%
OPERATING MARGIN AVG 5Y
16.06%
OPERATING MARGIN AVG 10Y
20.49%
OPERATING MARGIN AVG 15Y
19.87%
OPERATING MARGIN AVG 20Y
17.77%
CURRENT VS TTM AVG
+1.47%
CURRENT VS 3Y AVG
+6.44%
CURRENT VS 5Y AVG
-7.45%
CURRENT VS 10Y AVG
-27.49%
CURRENT VS 15Y AVG
-25.21%
CURRENT VS 20Y AVG
-16.39%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-7.64%
vs the sector median at left
TFS Financial Corporation
Market Cap
$4.65B
Operating Margin
14.86%
TTM Avg
14.64%
3Y Avg
13.96%
5Y Avg
16.06%
Market Cap
$4.59B
Operating Margin
25.73%
TTM Avg
22.41%
3Y Avg
24.96%
5Y Avg
25.69%
Market Cap
$4.57B
Operating Margin
38.00%
TTM Avg
37.14%
3Y Avg
41.08%
5Y Avg
44.56%
Market Cap
$4.80B
Operating Margin
43.62%
TTM Avg
43.61%
3Y Avg
44.25%
5Y Avg
44.78%
Market Cap
$4.80B
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.90B
Operating Margin
9.41%
TTM Avg
11.98%
3Y Avg
9.09%
5Y Avg
12.69%
Market Cap
$4.99B
Operating Margin
38.37%
TTM Avg
19.83%
3Y Avg
3.34%
5Y Avg
3.34%
Market Cap
$4.29B
Operating Margin
49.20%
TTM Avg
49.09%
3Y Avg
51.45%
5Y Avg
49.07%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| TFS Financial Corporation (TFSL) | $4.65B | 14.86% | 14.64% | 13.96% | 16.06% |
| Fulton Financial Corporation (FULTP)vs › | $4.59B | 25.73% | 22.41% | 24.96% | 25.69% |
| First Financial Bankshares, Inc. (FFIN)vs › | $4.57B | 38.00% | 37.14% | 41.08% | 44.56% |
| Hamilton Lane Incorporated (HLNE)vs › | $4.80B | 43.62% | 43.61% | 44.25% | 44.78% |
| JPMorgan U.S. Tech Leaders ETF (JTEK)vs › | $4.80B | N/A | N/A | N/A | N/A |
| Bank OZK (OZK)vs › | $4.87B | 32.35% | 33.44% | 39.41% | 42.18% |
| Eastern Bankshares, Inc. (EBC)vs › | $4.90B | 9.41% | 11.98% | 9.09% | 12.69% |
| Figure Technology Solutions, Inc. Class A Common Stock (FIGR)vs › | $4.99B | 38.37% | 19.83% | 3.34% | 3.34% |
| International Bancshares Corporation (IBOC)vs › | $4.29B | 49.20% | 49.09% | 51.45% | 49.07% |
| Fulton Financial Corporation (FULT)vs › | $4.28B | 25.73% | 22.41% | 24.96% | 25.69% |
Operating Margin
14.9%
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 | 15.23% |
| 2026-03-31 | 14.71% |
| 2025-12-31 | 13.85% |
| 2025-09-30 | 15.65% |
| 2025-06-30 | 13.78% |
| 2025-03-31 | 13.74% |
| 2024-12-31 | 14.69% |
| 2024-09-30 | 11.82% |
| 2024-06-30 | 13.20% |
| 2024-03-31 | 13.69% |
| 2023-12-31 | 14.24% |
| 2023-09-30 | 13.51% |
| 2023-06-30 | 13.38% |
| 2023-03-31 | 13.10% |
| 2022-12-31 | 19.51% |
| 2022-09-30 | 24.84% |
| 2022-06-30 | 19.57% |
| 2022-03-31 | 19.54% |
| 2021-12-31 | 20.28% |
| 2021-09-30 | 20.08% |
| 2021-06-30 | 18.77% |
| 2021-03-31 | 25.79% |
| 2020-12-31 | 24.70% |
| 2020-09-30 | 13.56% |
| 2020-06-30 | 26.63% |
| 2020-03-31 | 14.34% |
| 2019-12-31 | 24.09% |
| 2019-09-30 | 21.10% |
| 2019-06-30 | 18.02% |
| 2019-03-31 | 20.69% |
| 2018-12-31 | 21.56% |
| 2018-09-30 | 25.50% |
| 2018-06-30 | 23.70% |
| 2018-03-31 | 26.68% |
| 2017-12-31 | 28.60% |
| 2017-09-30 | 31.55% |
| 2017-06-30 | 31.70% |
| 2017-03-31 | 33.65% |
| 2016-12-31 | 27.36% |
| 2016-09-30 | 33.30% |
| 2016-06-30 | 30.57% |
| 2016-03-31 | 28.04% |
| 2015-12-31 | 26.45% |
| 2015-09-30 | 33.97% |
| 2015-06-30 | 25.44% |
| 2015-03-31 | 23.13% |
| 2014-12-31 | 24.70% |
| 2014-09-30 | 23.44% |
| 2014-06-30 | 26.88% |
| 2014-03-31 | 24.92% |
| 2013-12-31 | 24.48% |
| 2013-09-30 | 24.26% |
| 2013-06-30 | 22.99% |
| 2013-03-31 | 18.27% |
| 2012-12-31 | 14.85% |
| 2012-09-30 | -1.08% |
| 2012-06-30 | 0.39% |
| 2012-03-31 | 1.69% |
| 2011-12-31 | 11.22% |
| 2011-09-30 | 9.26% |
| 2011-06-30 | 8.40% |
| 2011-03-31 | 2.36% |
| 2010-12-31 | -9.57% |
| 2010-09-30 | -13.25% |
| 2010-06-30 | 11.12% |
| 2010-03-31 | 4.03% |
| 2009-12-31 | 10.32% |
| 2009-09-30 | -15.33% |
| 2009-06-30 | 10.42% |
| 2009-03-31 | 5.66% |
| 2008-12-31 | 11.95% |
| 2008-09-30 | 12.74% |
| 2008-06-30 | 7.67% |
| 2008-03-31 | 15.61% |
| 2007-12-31 | 18.16% |
| 2007-09-30 | 16.62% |
| 2007-06-30 | -15.43% |
| 2007-03-31 | 12.88% |
| 2006-12-31 | 17.03% |
| 2006-09-30 | 0.00% |
| 2006-06-30 | 0.00% |
| 2006-03-31 | 0.00% |
| 2005-12-31 | 0.00% |
| 2005-09-30 | 0.00% |
| 2005-06-30 | 0.00% |
| 2005-03-31 | 0.00% |
| 2004-12-31 | 0.00% |
