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 15.98% is 31% below its 5-year average of 23.21%, near the low end of its 5-year range (14.57%–39.31%).
0.49% below its 12-month average of 16.06%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 16.96%.
OPERATING MARGIN
15.98%
OPERATING MARGIN AVG TTM
16.06%
OPERATING MARGIN AVG 3Y
18.03%
OPERATING MARGIN AVG 5Y
23.21%
OPERATING MARGIN AVG 10Y
23.86%
OPERATING MARGIN AVG 15Y
21.18%
OPERATING MARGIN AVG 20Y
19.30%
CURRENT VS TTM AVG
-0.49%
CURRENT VS 3Y AVG
-11.36%
CURRENT VS 5Y AVG
-31.15%
CURRENT VS 10Y AVG
-33.03%
CURRENT VS 15Y AVG
-24.55%
CURRENT VS 20Y AVG
-17.21%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-0.68%
vs the sector median at left
United Bancorp, Inc.
Market Cap
$82.58M
Operating Margin
15.98%
TTM Avg
16.06%
3Y Avg
18.03%
5Y Avg
23.21%
Market Cap
$83.03M
Operating Margin
17.85%
TTM Avg
16.50%
3Y Avg
15.79%
5Y Avg
17.40%
Market Cap
$83.04M
Operating Margin
-202.84%
TTM Avg
-136.53%
3Y Avg
-78.87%
5Y Avg
-57.63%
Market Cap
$82.08M
Operating Margin
15.24%
TTM Avg
4.08%
3Y Avg
18.54%
5Y Avg
25.99%
Market Cap
$83.61M
Operating Margin
33.42%
TTM Avg
33.45%
3Y Avg
31.61%
5Y Avg
32.26%
Market Cap
$83.78M
Operating Margin
-27.47%
TTM Avg
-26.55%
3Y Avg
-65.16%
5Y Avg
-2324.62%
Market Cap
$84.34M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$79.85M
Operating Margin
2.06%
TTM Avg
10.85%
3Y Avg
17.26%
5Y Avg
18.81%
Market Cap
$85.39M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| United Bancorp, Inc. (UBCP) | $82.58M | 15.98% | 16.06% | 18.03% | 23.21% |
| Central Plains Bancshares, Inc. Common Stock (CPBI)vs › | $83.03M | 17.85% | 16.50% | 15.79% | 17.40% |
| SVRN, Inc. (SVRN)vs › | $83.04M | -202.84% | -136.53% | -78.87% | -57.63% |
| Summit State Bank (SSBI)vs › | $82.08M | 15.24% | 4.08% | 18.54% | 25.99% |
| Hennessy Advisors, Inc. (HNNA)vs › | $83.61M | 33.42% | 33.45% | 31.61% | 32.26% |
| ZeroStack Corp. (ZSTK)vs › | $83.78M | -27.47% | -26.55% | -65.16% | -2324.62% |
| JATT II Acquisition Corp. (JATT)vs › | $84.34M | N/A | N/A | N/A | N/A |
| Silvercrest Asset Management Group Inc. (SAMG)vs › | $79.85M | 2.06% | 10.85% | 17.26% | 18.81% |
| Pelican Acquisition Ii Corp. (PLCI)vs › | $85.39M | N/A | N/A | N/A | N/A |
| Starry Sea Acquisition Corp. (SSEA)vs › | $79.22M | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Margin
16.0%
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 | 16.96% |
| 2026-03-31 | 15.30% |
| 2025-12-31 | 15.67% |
| 2025-09-30 | 15.95% |
| 2025-06-30 | 16.42% |
| 2025-03-31 | 16.60% |
| 2024-12-31 | 15.82% |
| 2024-09-30 | 15.74% |
| 2024-06-30 | 14.57% |
| 2024-03-31 | 20.43% |
| 2023-12-31 | 24.15% |
| 2023-09-30 | 23.08% |
| 2023-06-30 | 23.69% |
| 2023-03-31 | 21.69% |
| 2022-12-31 | 28.25% |
| 2022-09-30 | 30.19% |
| 2022-06-30 | 34.87% |
| 2022-03-31 | 27.02% |
| 2021-12-31 | 39.14% |
| 2021-09-30 | 39.31% |
| 2021-06-30 | 32.53% |
| 2021-03-31 | 28.44% |
| 2020-12-31 | 36.39% |
| 2020-09-30 | 25.01% |
| 2020-06-30 | 18.57% |
| 2020-03-31 | 20.39% |
| 2019-12-31 | 22.82% |
| 2019-09-30 | 24.18% |
| 2019-06-30 | 24.15% |
| 2019-03-31 | 24.82% |
| 2018-12-31 | 9.58% |
| 2018-09-30 | 24.88% |
| 2018-06-30 | 24.41% |
| 2018-03-31 | 24.51% |
| 2017-12-31 | 27.54% |
| 2017-09-30 | 28.34% |
| 2017-06-30 | 25.78% |
| 2017-03-31 | 24.30% |
| 2016-12-31 | 26.16% |
| 2016-09-30 | 25.19% |
| 2016-06-30 | 25.52% |
| 2016-03-31 | 24.83% |
| 2015-12-31 | 24.69% |
| 2015-09-30 | 23.88% |
| 2015-06-30 | 22.83% |
| 2015-03-31 | 20.20% |
| 2014-12-31 | 20.15% |
| 2014-09-30 | 19.91% |
| 2014-06-30 | 18.81% |
| 2014-03-31 | 12.31% |
| 2013-12-31 | 16.20% |
| 2013-09-30 | 18.03% |
| 2013-06-30 | 10.96% |
| 2013-03-31 | 9.92% |
| 2012-12-31 | 10.72% |
| 2012-09-30 | 10.79% |
| 2012-06-30 | 18.18% |
| 2012-03-31 | 15.32% |
| 2011-12-31 | 18.89% |
| 2011-09-30 | 17.97% |
| 2011-06-30 | 15.06% |
| 2011-03-31 | 14.81% |
| 2010-12-31 | 7.82% |
| 2010-09-30 | 11.26% |
| 2010-06-30 | 12.81% |
| 2010-03-31 | 12.23% |
| 2009-12-31 | 11.81% |
| 2009-09-30 | 13.50% |
| 2009-06-30 | 11.18% |
| 2009-03-31 | 14.85% |
| 2008-12-31 | 15.93% |
| 2008-09-30 | 16.10% |
| 2008-06-30 | 18.30% |
| 2008-03-31 | 15.21% |
| 2007-12-31 | 10.70% |
| 2007-09-30 | 4.87% |
| 2007-06-30 | 12.27% |
| 2007-03-31 | 11.56% |
| 2006-12-31 | 11.11% |
| 2006-09-30 | 6.08% |
| 2006-06-30 | 3.11% |
| 2006-03-31 | 13.20% |
| 2005-12-31 | 14.50% |
| 2005-09-30 | 17.59% |
| 2005-06-30 | 18.51% |
| 2005-03-31 | 18.15% |
| 2004-12-31 | 13.38% |
| 2004-09-30 | 19.59% |
| 2004-06-30 | 20.07% |
| 2004-03-31 | 19.18% |
| 2003-12-31 | 22.55% |
| 2003-09-30 | 18.50% |
| 2003-06-30 | 18.90% |
| 2003-03-31 | 17.88% |
| 2002-12-31 | 19.89% |
| 2002-09-30 | 16.18% |
