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 27.38% is in line with its 5-year average of 29.17%, around the middle of its 5-year range (9.79%–53.75%).
1.90% below its 12-month average of 27.91%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 29.47%.
OPERATING MARGIN
27.38%
OPERATING MARGIN AVG TTM
27.91%
OPERATING MARGIN AVG 3Y
21.87%
OPERATING MARGIN AVG 5Y
29.17%
OPERATING MARGIN AVG 10Y
N/A
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-1.90%
CURRENT VS 3Y AVG
+25.22%
CURRENT VS 5Y AVG
-6.13%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+70.17%
vs the sector median at left
USCB Financial Holdings, Inc.
Market Cap
$407.28M
Operating Margin
27.38%
TTM Avg
27.91%
3Y Avg
21.87%
5Y Avg
29.17%
Market Cap
$411.29M
Operating Margin
-70.83%
TTM Avg
-45.75%
3Y Avg
-39.01%
5Y Avg
-32.31%
Market Cap
$402.88M
Operating Margin
19.27%
TTM Avg
16.86%
3Y Avg
21.05%
5Y Avg
18.29%
Market Cap
$416.08M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$418.37M
Operating Margin
47.76%
TTM Avg
32.00%
3Y Avg
27.86%
5Y Avg
32.90%
Market Cap
$396.03M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$420.04M
Operating Margin
47.76%
TTM Avg
32.00%
3Y Avg
27.86%
5Y Avg
32.90%
Market Cap
$420.04M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| USCB Financial Holdings, Inc. (USCB) | $407.28M | 27.38% | 27.91% | 21.87% | 29.17% |
| Eightco Holdings Inc. (ORBS)vs › | $411.29M | -70.83% | -45.75% | -39.01% | -32.31% |
| Investar Holding Corporation (ISTR)vs › | $402.88M | 19.27% | 16.86% | 21.05% | 18.29% |
| PCB Bancorp (PCB)vs › | $400.00M | 27.54% | 21.99% | 28.30% | 32.56% |
| General Catalyst Global Resilience Merger Corp. (GCGR)vs › | $416.08M | N/A | N/A | N/A | N/A |
| NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series B (NEWTP)vs › | $418.37M | 47.76% | 32.00% | 27.86% | 32.90% |
| GP-Act III Acquisition Corp. (GPAT)vs › | $396.03M | 0.00% | 0.00% | 0.00% | 0.00% |
| NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 (NEWTG)vs › | $420.04M | 47.76% | 32.00% | 27.86% | 32.90% |
| K&F Growth Acquisition Corp. II Class A Ordinary shares (KFII)vs › | $420.04M | 0.00% | 0.00% | 0.00% | 0.00% |
| Chemung Financial Corporation (CHMG)vs › | $393.39M | 15.20% | 17.18% | 23.41% | 26.31% |
Operating Margin
27.4%
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 | 29.47% |
| 2026-03-31 | 44.61% |
| 2025-12-31 | 9.79% |
| 2025-09-30 | 28.51% |
| 2025-06-30 | 27.17% |
| 2025-03-31 | 26.79% |
| 2024-12-31 | 24.08% |
| 2024-09-30 | 24.76% |
| 2024-06-30 | 22.82% |
| 2024-03-31 | 18.10% |
| 2023-12-31 | 11.97% |
| 2023-09-30 | 17.76% |
| 2023-06-30 | 21.16% |
| 2023-03-31 | 31.45% |
| 2022-12-31 | 28.57% |
| 2022-09-30 | 37.11% |
| 2022-06-30 | 38.27% |
| 2022-03-31 | 39.19% |
| 2021-12-31 | 41.87% |
| 2021-09-30 | 53.75% |
| 2021-06-30 | 35.33% |
| 2021-03-31 | 39.12% |
| 2020-12-31 | 32.23% |
| 2020-09-30 | 30.23% |
| 2020-06-30 | 14.43% |
| 2020-03-31 | 37.03% |
