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 34.51% is 59% above its 5-year average of 21.68%, near the high end of its 5-year range (10.68%–35.54%).
92.14% above its 12-month average of 17.96%.
Reported quarterly operating margin; no daily interpolation. Q3 FY2026 (2026-07-31): 35.54%.
OPERATING MARGIN
34.51%
OPERATING MARGIN AVG TTM
17.96%
OPERATING MARGIN AVG 3Y
18.63%
OPERATING MARGIN AVG 5Y
21.68%
OPERATING MARGIN AVG 10Y
24.68%
OPERATING MARGIN AVG 15Y
20.23%
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+92.14%
CURRENT VS 3Y AVG
+85.24%
CURRENT VS 5Y AVG
+59.21%
CURRENT VS 10Y AVG
+39.86%
CURRENT VS 15Y AVG
+70.61%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+114.48%
vs the sector median at left
Market Cap
$716.58M
Operating Margin
69.82%
TTM Avg
74.22%
3Y Avg
72.11%
5Y Avg
71.07%
Market Cap
$722.78M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$727.94M
Operating Margin
18.79%
TTM Avg
44.74%
3Y Avg
54.27%
5Y Avg
57.43%
Market Cap
$728.69M
Operating Margin
18.58%
TTM Avg
2.60%
3Y Avg
14.04%
5Y Avg
21.54%
Market Cap
$729.72M
Operating Margin
86.18%
TTM Avg
70.43%
3Y Avg
64.69%
5Y Avg
58.97%
Market Cap
$732.40M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$700.18M
Operating Margin
-22.08%
TTM Avg
-6.74%
3Y Avg
8.48%
5Y Avg
12.61%
Market Cap
$700.17M
Operating Margin
71.64%
TTM Avg
57.66%
3Y Avg
59.62%
5Y Avg
59.03%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| VersaBank (VBNK) | $717.32M | 34.51% | 17.96% | 18.63% | 21.68% |
| Fidus Investment Corporation (FDUS)vs › | $716.58M | 69.82% | 74.22% | 72.11% | 71.07% |
| WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs › | $722.78M | N/A | N/A | N/A | N/A |
| New Mountain Finance Corporation 8.250% Notes due 2028 (NMFCZ)vs › | $727.94M | 18.79% | 44.74% | 54.27% | 57.43% |
| Washington Trust Bancorp, Inc. (WASH)vs › | $728.69M | 18.58% | 2.60% | 14.04% | 21.54% |
| Carlyle Secured Lending, Inc. (CGBD)vs › | $729.72M | 86.18% | 70.43% | 64.69% | 58.97% |
| OFS Credit Company, Inc. (OCCIM)vs › | $732.40M | N/A | N/A | N/A | N/A |
| Midland States Bancorp, Inc. (MSBIP)vs › | $700.18M | -22.08% | -6.74% | 8.48% | 12.61% |
| MidCap Financial Investment Corporation (MFIC)vs › | $700.17M | 71.64% | 57.66% | 59.62% | 59.03% |
| Independent Bank Corporation (IBCP)vs › | $737.50M | 26.72% | 26.02% | 28.17% | 30.41% |
Operating Margin
34.5%
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 |
|---|---|
| 2026-07-31 | 35.54% |
| 2026-04-30 | 12.11% |
| 2026-01-31 | 18.21% |
| 2025-10-31 | 12.39% |
| 2025-07-31 | 11.55% |
| 2025-04-30 | 16.06% |
| 2025-01-31 | 14.74% |
| 2024-10-31 | 10.68% |
| 2024-07-31 | 18.27% |
| 2024-04-30 | 22.18% |
| 2024-01-31 | 23.69% |
| 2023-10-31 | 24.51% |
| 2023-07-31 | 22.27% |
| 2023-04-30 | 24.65% |
| 2023-01-31 | 25.77% |
| 2022-10-31 | 23.43% |
| 2022-07-31 | 22.22% |
| 2022-04-30 | 24.93% |
| 2022-01-31 | 29.22% |
| 2021-10-31 | 31.28% |
| 2021-07-31 | 31.51% |
| 2021-04-30 | 35.25% |
| 2021-01-31 | 32.26% |
| 2020-10-31 | 31.04% |
| 2020-07-31 | 29.86% |
| 2020-04-30 | 31.26% |
| 2020-01-31 | 31.93% |
| 2019-10-31 | 33.46% |
| 2019-07-31 | 29.76% |
| 2019-04-30 | 31.93% |
| 2019-01-31 | 30.91% |
| 2018-10-31 | 32.56% |
| 2018-07-31 | 31.50% |
| 2018-04-30 | 30.42% |
| 2018-01-31 | 28.57% |
| 2017-10-31 | 21.52% |
| 2017-07-31 | 21.10% |
| 2017-04-30 | 17.13% |
| 2017-01-31 | 22.26% |
| 2016-10-31 | 14.82% |
| 2016-07-31 | 18.94% |
| 2016-04-30 | 14.26% |
| 2016-01-31 | 18.26% |
| 2015-10-31 | 14.44% |
| 2015-07-31 | 14.08% |
| 2015-04-30 | 11.72% |
| 2015-01-31 | 14.59% |
| 2014-10-31 | 11.07% |
| 2014-07-31 | 9.58% |
| 2014-04-30 | 11.30% |
| 2014-01-31 | 8.86% |
| 2013-10-31 | -1.54% |
| 2013-07-31 | 7.88% |
| 2013-04-30 | -0.21% |
| 2013-01-31 | 9.13% |
| 2012-10-31 | 5.70% |
| 2012-07-31 | 11.72% |
| 2012-04-30 | 11.40% |
| 2012-01-31 | 14.65% |
| 2011-10-31 | 38.50% |
| 2011-07-31 | -3.21% |
