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 40.30% is 76% above its 5-year average of 22.89%, near the high end of its 5-year range (-261.27%–47.16%).
0.93% below its 12-month average of 40.68%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 34.43%.
OPERATING MARGIN
40.30%
OPERATING MARGIN AVG TTM
40.68%
OPERATING MARGIN AVG 3Y
38.84%
OPERATING MARGIN AVG 5Y
22.89%
OPERATING MARGIN AVG 10Y
9.16%
OPERATING MARGIN AVG 15Y
12.09%
OPERATING MARGIN AVG 20Y
13.46%
CURRENT VS TTM AVG
-0.93%
CURRENT VS 3Y AVG
+3.76%
CURRENT VS 5Y AVG
+76.06%
CURRENT VS 10Y AVG
+340.09%
CURRENT VS 15Y AVG
+233.29%
CURRENT VS 20Y AVG
+199.32%
SECTOR MEDIAN · FINANCIAL SERVICES
17.91%
median of 411 covered companies
CURRENT VS SECTOR MEDIAN
+125.01%
vs the sector median at left
American Coastal Insurance Corporation
Market Cap
$449.75M
Operating Margin
40.30%
TTM Avg
40.68%
3Y Avg
38.84%
5Y Avg
22.89%
Market Cap
$448.81M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$443.92M
Operating Margin
29.21%
TTM Avg
8.66%
3Y Avg
20.21%
5Y Avg
26.04%
Market Cap
$456.87M
Operating Margin
18.58%
TTM Avg
19.54%
3Y Avg
22.36%
5Y Avg
24.53%
Market Cap
$438.05M
Operating Margin
-26.86%
TTM Avg
-35.48%
3Y Avg
-28.22%
5Y Avg
-18.79%
Market Cap
$437.50M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$435.42M
Operating Margin
18.55%
TTM Avg
20.45%
3Y Avg
22.26%
5Y Avg
24.28%
Market Cap
$431.98M
Operating Margin
55.53%
TTM Avg
67.15%
3Y Avg
64.85%
5Y Avg
53.79%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| American Coastal Insurance Corporation (ACIC) | $449.75M | 40.30% | 40.68% | 38.84% | 22.89% |
| Churchill Capital Corp. Xii (CXII)vs › | $448.81M | N/A | N/A | N/A | N/A |
| First Bank (FRBA)vs › | $444.63M | 22.93% | 23.63% | 26.38% | 30.00% |
| Bank of Marin Bancorp (BMRC)vs › | $443.92M | 29.21% | 8.66% | 20.21% | 26.04% |
| Citizens & Northern Corporation (CZNC)vs › | $456.87M | 18.58% | 19.54% | 22.36% | 24.53% |
| AlTi Global, Inc. (ALTI)vs › | $438.05M | -26.86% | -35.48% | -28.22% | -18.79% |
| Idea Acquisition Corp. Class A Ordinary Shares (IACO)vs › | $437.50M | 0.00% | 0.00% | 0.00% | 0.00% |
| AMERISAFE, Inc. (AMSF)vs › | $435.42M | 18.55% | 20.45% | 22.26% | 24.28% |
| Gladstone Capital Corporation (GLAD)vs › | $431.98M | 55.53% | 67.15% | 64.85% | 53.79% |
| Commercial Bancgroup, Inc. Common Stock (CBK)vs › | $428.51M | 38.60% | 33.24% | 33.95% | 33.95% |
Operating Margin
40.3%
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 | 34.43% |
| 2026-03-31 | 36.16% |
| 2025-12-31 | 42.39% |
| 2025-09-30 | 46.93% |
| 2025-06-30 | 43.48% |
| 2025-03-31 | 36.34% |
| 2024-12-31 | 11.24% |
| 2024-09-30 | 44.46% |
| 2024-06-30 | 36.23% |
| 2024-03-31 | 47.16% |
| 2023-12-31 | 33.64% |
| 2023-09-30 | 34.37% |
| 2023-06-30 | 30.46% |
| 2023-03-31 | 37.47% |
| 2022-12-31 | -261.27% |
| 2022-09-30 | -37.82% |
| 2022-06-30 | 19.05% |
| 2022-03-31 | -1.69% |
| 2021-12-31 | -4.01% |
| 2021-09-30 | -11.43% |
| 2021-06-30 | -21.08% |
| 2021-03-31 | -16.24% |
| 2020-12-31 | -18.75% |
| 2020-09-30 | -47.27% |
| 2020-06-30 | 13.62% |
| 2020-03-31 | -8.96% |
| 2019-12-31 | -2.50% |
| 2019-09-30 | -17.38% |
| 2019-06-30 | -1.76% |
| 2019-03-31 | 6.10% |
| 2018-12-31 | -10.72% |
| 2018-09-30 | -8.46% |
| 2018-06-30 | 10.56% |
| 2018-03-31 | 6.50% |
| 2017-12-31 | 15.23% |
| 2017-09-30 | -26.58% |
| 2017-06-30 | 7.10% |
| 2017-03-31 | 4.84% |
| 2016-12-31 | -13.37% |
| 2016-09-30 | 3.96% |
| 2016-06-30 | 12.58% |
| 2016-03-31 | 4.03% |
| 2015-12-31 | 20.35% |
| 2015-09-30 | 14.46% |
| 2015-06-30 | 9.59% |
| 2015-03-31 | 0.41% |
| 2014-12-31 | 23.34% |
| 2014-09-30 | 19.64% |
| 2014-06-30 | 22.76% |
| 2014-03-31 | 26.21% |
| 2013-12-31 | 21.17% |
| 2013-09-30 | 12.98% |
| 2013-06-30 | 14.89% |
| 2013-03-31 | 16.04% |
| 2012-12-31 | 4.87% |
| 2012-09-30 | 3.55% |
| 2012-06-30 | 16.59% |
| 2012-03-31 | 25.36% |
| 2011-12-31 | 19.62% |
| 2011-09-30 | 23.06% |
| 2011-06-30 | 0.92% |
| 2011-03-31 | 8.43% |
| 2010-12-31 | 19.81% |
| 2010-09-30 | -2.36% |
| 2010-06-30 | 2.04% |
| 2010-03-31 | -35.53% |
| 2009-12-31 | -9.64% |
| 2009-09-30 | -6.89% |
| 2009-06-30 | 17.58% |
| 2009-03-31 | 22.75% |
| 2008-12-31 | 46.20% |
| 2008-09-30 | 33.90% |
| 2008-06-30 | 45.32% |
| 2008-03-31 | 39.88% |
| 2007-12-31 | 58.02% |
| 2007-09-30 | 43.40% |
| 2007-06-30 | -1400.00% |
