Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 18.47% is 16% below its 5-year average of 21.91%, around the middle of its 5-year range (4.80%–34.63%).
0.83% above its 12-month average of 18.32%.
Reported quarterly profit margin; no daily interpolation. Q3 FY2026 (2026-06-30): 18.55%.
NET PROFIT MARGIN
18.47%
NET PROFIT MARGIN AVG TTM
18.32%
NET PROFIT MARGIN AVG 3Y
17.48%
NET PROFIT MARGIN AVG 5Y
21.91%
NET PROFIT MARGIN AVG 10Y
24.92%
NET PROFIT MARGIN AVG 15Y
25.53%
NET PROFIT MARGIN AVG 20Y
23.33%
CURRENT VS TTM AVG
+0.83%
CURRENT VS 3Y AVG
+5.65%
CURRENT VS 5Y AVG
-15.70%
CURRENT VS 10Y AVG
-25.89%
CURRENT VS 15Y AVG
-27.66%
CURRENT VS 20Y AVG
-20.82%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+39.87%
vs the sector median at left
Market Cap
$2.58B
Net Profit Margin
-4.67%
TTM Avg
-2.02%
3Y Avg
-3.95%
5Y Avg
-4.67%
Market Cap
$2.53B
Net Profit Margin
20.51%
TTM Avg
19.08%
3Y Avg
24.53%
5Y Avg
32.05%
Market Cap
$2.64B
Net Profit Margin
22.65%
TTM Avg
18.70%
3Y Avg
20.91%
5Y Avg
22.70%
Market Cap
$2.49B
Net Profit Margin
17.08%
TTM Avg
20.32%
3Y Avg
23.54%
5Y Avg
26.29%
Market Cap
$2.49B
Net Profit Margin
11.53%
TTM Avg
3.81%
3Y Avg
10.38%
5Y Avg
14.83%
Market Cap
$2.49B
Net Profit Margin
24.65%
TTM Avg
15.06%
3Y Avg
19.23%
5Y Avg
21.34%
Market Cap
$2.65B
Net Profit Margin
19.84%
TTM Avg
23.41%
3Y Avg
19.30%
5Y Avg
21.30%
Market Cap
$2.47B
Net Profit Margin
31.13%
TTM Avg
17.41%
3Y Avg
22.52%
5Y Avg
24.18%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| WaFd, Inc. (WAFDP) | $2.57B | 18.47% | 18.32% | 17.48% | 21.91% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | -4.67% | -2.02% | -3.95% | -4.67% |
| Merchants Bancorp (MBINM)vs › | $2.53B | 20.51% | 19.08% | 24.53% | 32.05% |
| NBT Bancorp Inc. (NBTB)vs › | $2.64B | 22.65% | 18.70% | 20.91% | 22.70% |
| First Merchants Corporation (FRME)vs › | $2.49B | 17.08% | 20.32% | 23.54% | 26.29% |
| Columbia Financial, Inc. (CLBK)vs › | $2.49B | 11.53% | 3.81% | 10.38% | 14.83% |
| First Busey Corporation (BUSE)vs › | $2.49B | 24.65% | 15.06% | 19.23% | 21.34% |
| Trustmark Corporation (TRMK)vs › | $2.65B | 19.84% | 23.41% | 19.30% | 21.30% |
| First Bancorp (FBNC)vs › | $2.47B | 31.13% | 17.41% | 22.52% | 24.18% |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | -149.35% | -49.38% | -21.86% | 33.90% |
Operating Margin
23.6%
Net Profit Margin
18.5%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 18.55% |
| 2026-03-31 | 19.01% |
| 2025-12-31 | 18.72% |
| 2025-09-30 | 17.60% |
| 2025-06-30 | 17.70% |
| 2025-03-31 | 15.86% |
| 2024-12-31 | 13.08% |
| 2024-09-30 | 15.68% |
| 2024-06-30 | 15.78% |
| 2024-03-31 | 4.80% |
| 2023-12-31 | 19.30% |
| 2023-09-30 | 16.97% |
| 2023-06-30 | 21.53% |
| 2023-03-31 | 24.86% |
| 2022-12-31 | 32.15% |
| 2022-09-30 | 34.63% |
| 2022-06-30 | 34.19% |
| 2022-03-31 | 29.62% |
| 2021-12-31 | 29.63% |
| 2021-09-30 | 30.88% |
| 2021-06-30 | 29.54% |
| 2021-03-31 | 27.82% |
| 2020-12-31 | 24.16% |
| 2020-09-30 | 21.56% |
| 2020-06-30 | 21.41% |
| 2020-03-31 | 20.68% |
| 2019-12-31 | 32.27% |
| 2019-09-30 | 28.27% |
| 2019-06-30 | 28.92% |
| 2019-03-31 | 28.20% |
| 2018-12-31 | 29.10% |
| 2018-09-30 | 30.42% |
| 2018-06-30 | 30.65% |
| 2018-03-31 | 30.53% |
| 2017-12-31 | 33.86% |
| 2017-09-30 | 29.01% |
| 2017-06-30 | 29.11% |
| 2017-03-31 | 28.59% |
| 2016-12-31 | 28.43% |
| 2016-09-30 | 29.94% |
| 2016-06-30 | 28.80% |
| 2016-03-31 | 27.87% |
| 2015-12-31 | 23.85% |
| 2015-09-30 | 28.77% |
| 2015-06-30 | 27.06% |
| 2015-03-31 | 27.85% |
| 2014-12-31 | 27.81% |
| 2014-09-30 | 27.94% |
| 2014-06-30 | 26.50% |
| 2014-03-31 | 27.80% |
| 2013-12-31 | 29.36% |
| 2013-09-30 | 30.64% |
| 2013-06-30 | 28.02% |
| 2013-03-31 | 27.14% |
| 2012-12-31 | 25.89% |
| 2012-09-30 | 25.82% |
| 2012-06-30 | 23.60% |
| 2012-03-31 | 21.35% |
| 2011-12-31 | 20.81% |
| 2011-09-30 | 18.73% |
| 2011-06-30 | 18.17% |
| 2011-03-31 | 15.10% |
| 2010-12-31 | 14.43% |
| 2010-09-30 | 18.78% |
| 2010-06-30 | 7.34% |
| 2010-03-31 | 32.06% |
| 2009-12-31 | 4.17% |
| 2009-09-30 | 5.87% |
| 2009-06-30 | 3.44% |
| 2009-03-31 | 6.10% |
| 2008-12-31 | 11.86% |
| 2008-09-30 | -21.71% |
| 2008-06-30 | 17.63% |
| 2008-03-31 | 18.70% |
| 2007-12-31 | 19.33% |
| 2007-09-30 | 20.35% |
| 2007-06-30 | 20.91% |
| 2007-03-31 | 21.57% |
| 2006-12-31 | 22.43% |
| 2006-09-30 | 23.99% |
| 2006-06-30 | 25.44% |
| 2006-03-31 | 27.52% |
| 2005-12-31 | 28.22% |
| 2005-09-30 | 28.81% |
| 2005-06-30 | 29.29% |
| 2005-03-31 | 33.29% |
| 2004-12-31 | 32.86% |
| 2004-09-30 | 30.38% |
| 2004-06-30 | 33.19% |
| 2004-03-31 | 31.04% |
| 2003-12-31 | 31.10% |
| 2003-09-30 | 32.35% |
| 2003-06-30 | 32.10% |
| 2003-03-31 | 31.47% |
| 2002-12-31 | 29.82% |
| 2002-09-30 | 29.30% |
