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 20.86% is 19% below its 5-year average of 25.61%, near the low end of its 5-year range (13.40%–51.01%).
16.97% below its 12-month average of 25.12%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 51.01%.
OPERATING MARGIN
20.86%
OPERATING MARGIN AVG TTM
25.12%
OPERATING MARGIN AVG 3Y
19.08%
OPERATING MARGIN AVG 5Y
25.61%
OPERATING MARGIN AVG 10Y
26.07%
OPERATING MARGIN AVG 15Y
24.87%
OPERATING MARGIN AVG 20Y
23.15%
CURRENT VS TTM AVG
-16.97%
CURRENT VS 3Y AVG
+9.32%
CURRENT VS 5Y AVG
-18.55%
CURRENT VS 10Y AVG
-20.00%
CURRENT VS 15Y AVG
-16.12%
CURRENT VS 20Y AVG
-9.87%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+29.65%
vs the sector median at left
Market Cap
$3.28B
Operating Margin
-85.86%
TTM Avg
-36.17%
3Y Avg
-6.83%
5Y Avg
7.41%
Market Cap
$3.28B
Operating Margin
31.51%
TTM Avg
18.52%
3Y Avg
28.91%
5Y Avg
30.22%
Market Cap
$3.29B
Operating Margin
26.86%
TTM Avg
23.70%
3Y Avg
26.79%
5Y Avg
28.30%
Market Cap
$3.23B
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.18B
Operating Margin
78.94%
TTM Avg
78.94%
3Y Avg
75.70%
5Y Avg
70.61%
Market Cap
$3.36B
Operating Margin
24.10%
TTM Avg
28.12%
3Y Avg
26.11%
5Y Avg
21.87%
Market Cap
$3.15B
Operating Margin
41.62%
TTM Avg
1.14%
3Y Avg
-26.08%
5Y Avg
-47.60%
Market Cap
$3.15B
Operating Margin
18.89%
TTM Avg
20.36%
3Y Avg
22.28%
5Y Avg
27.11%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| TowneBank (TOWN) | $3.26B | 20.86% | 25.12% | 19.08% | 25.61% |
| Simmons First National Corporation (SFNC)vs › | $3.28B | -85.86% | -36.17% | -6.83% | 7.41% |
| Mechanics Bank (MCHB)vs › | $3.28B | 31.51% | 18.52% | 28.91% | 30.22% |
| First Financial Bancorp. (FFBC)vs › | $3.29B | 26.86% | 23.70% | 26.79% | 28.30% |
| iShares Core 80/20 Aggressive Allocation ETF (AOA)vs › | $3.23B | N/A | N/A | N/A | N/A |
| Golub Capital BDC, Inc. (GBDC)vs › | $3.18B | 78.94% | 78.94% | 75.70% | 70.61% |
| Palomar Holdings, Inc. (PLMR)vs › | $3.36B | 24.10% | 28.12% | 26.11% | 21.87% |
| CleanSpark, Inc. (CLSK)vs › | $3.15B | 41.62% | 1.14% | -26.08% | -47.60% |
| Seacoast Banking Corporation of Florida (SBCF)vs › | $3.15B | 18.89% | 20.36% | 22.28% | 27.11% |
| CVB Financial Corp. (CVBF)vs › | $3.14B | 39.23% | 42.48% | 47.70% | 51.09% |
Operating Margin
20.9%
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 | 51.01% |
| 2026-03-31 | 19.27% |
| 2025-12-31 | 20.96% |
| 2025-09-30 | 16.25% |
| 2025-06-30 | 18.13% |
| 2025-03-31 | 22.62% |
| 2024-12-31 | 18.95% |
| 2024-09-30 | 18.82% |
| 2024-06-30 | 19.61% |
| 2024-03-31 | 16.90% |
| 2023-12-31 | 13.40% |
| 2023-09-30 | 22.32% |
| 2023-06-30 | 21.74% |
| 2023-03-31 | 21.45% |
| 2022-12-31 | 29.36% |
| 2022-09-30 | 32.83% |
| 2022-06-30 | 32.74% |
| 2022-03-31 | 32.93% |
| 2021-12-31 | 30.43% |
| 2021-09-30 | 37.65% |
| 2021-06-30 | 40.44% |
| 2021-03-31 | 45.79% |
| 2020-12-31 | 34.73% |
| 2020-09-30 | 27.76% |
| 2020-06-30 | 24.30% |
| 2020-03-31 | 20.82% |
| 2019-12-31 | 26.43% |
| 2019-09-30 | 27.00% |
| 2019-06-30 | 26.16% |
| 2019-03-31 | 25.27% |
| 2018-12-31 | 30.02% |
| 2018-09-30 | 30.33% |
| 2018-06-30 | 28.80% |
| 2018-03-31 | 22.58% |
| 2017-12-31 | 28.58% |
| 2017-09-30 | 31.78% |
| 2017-06-30 | 31.12% |
| 2017-03-31 | 28.16% |
| 2016-12-31 | 24.45% |
| 2016-09-30 | 31.02% |
| 2016-06-30 | 11.06% |
| 2016-03-31 | 30.81% |
| 2015-12-31 | 22.45% |
| 2015-09-30 | 30.77% |
| 2015-06-30 | 31.68% |
| 2015-03-31 | 26.95% |
| 2014-12-31 | 16.07% |
| 2014-09-30 | 25.76% |
| 2014-06-30 | 26.28% |
| 2014-03-31 | 25.57% |
| 2013-12-31 | 22.31% |
| 2013-09-30 | 23.67% |
| 2013-06-30 | 25.01% |
| 2013-03-31 | 23.24% |
| 2012-12-31 | 19.76% |
| 2012-09-30 | 21.02% |
| 2012-06-30 | 20.76% |
| 2012-03-31 | 21.76% |
| 2011-12-31 | 20.73% |
| 2011-09-30 | 20.75% |
| 2011-06-30 | 14.79% |
| 2011-03-31 | 19.80% |
| 2010-12-31 | 18.90% |
| 2010-09-30 | 18.10% |
| 2010-06-30 | 16.93% |
| 2010-03-31 | 19.90% |
| 2009-12-31 | 17.89% |
| 2009-09-30 | 18.51% |
| 2009-06-30 | 15.72% |
| 2009-03-31 | 16.44% |
| 2008-12-31 | 13.93% |
| 2008-09-30 | 18.00% |
| 2008-06-30 | 17.71% |
| 2008-03-31 | 17.46% |
| 2007-12-31 | 17.33% |
| 2007-09-30 | 17.73% |
| 2007-06-30 | 17.95% |
| 2007-03-31 | 17.74% |
| 2006-12-31 | 19.49% |
| 2006-09-30 | 20.01% |
| 2006-06-30 | 21.56% |
| 2006-03-31 | 19.47% |
| 2005-12-31 | 21.76% |
| 2005-09-30 | 20.32% |
| 2005-06-30 | 22.66% |
| 2005-03-31 | 23.79% |
| 2004-12-31 | 24.67% |
| 2004-09-30 | 23.31% |
| 2004-06-30 | 19.64% |
| 2004-03-31 | 17.45% |
| 2003-12-31 | 15.38% |
| 2003-09-30 | 20.76% |
| 2003-06-30 | 19.21% |
| 2003-03-31 | 16.07% |
| 2002-12-31 | 6.81% |
| 2002-09-30 | 30.19% |
