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 13.20% is 55% below its 5-year average of 29.17%, near the high end of its 5-year range (-94.82%–48.01%).
8434.22% above its 12-month average of -0.16%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): -94.82%.
OPERATING MARGIN
13.20%
OPERATING MARGIN AVG TTM
-0.16%
OPERATING MARGIN AVG 3Y
19.70%
OPERATING MARGIN AVG 5Y
29.17%
OPERATING MARGIN AVG 10Y
33.28%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+8434.22%
CURRENT VS 3Y AVG
-32.99%
CURRENT VS 5Y AVG
-54.74%
CURRENT VS 10Y AVG
-60.33%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
18.07%
median of 363 covered companies
CURRENT VS SECTOR MEDIAN
-26.95%
vs the sector median at left
Bridgewater Bancshares, Inc.
Market Cap
$569.67M
Operating Margin
13.20%
TTM Avg
-0.16%
3Y Avg
19.70%
5Y Avg
29.17%
Market Cap
$567.90M
Operating Margin
9.10%
TTM Avg
8.14%
3Y Avg
4.10%
5Y Avg
4.71%
Market Cap
$560.26M
Operating Margin
13.20%
TTM Avg
19.04%
3Y Avg
25.89%
5Y Avg
29.84%
Market Cap
$559.63M
Operating Margin
25.50%
TTM Avg
16.84%
3Y Avg
26.38%
5Y Avg
31.19%
Market Cap
$557.41M
Operating Margin
21.66%
TTM Avg
18.39%
3Y Avg
22.70%
5Y Avg
26.05%
Market Cap
$582.80M
Operating Margin
-358.60%
TTM Avg
-237.62%
3Y Avg
-264.25%
5Y Avg
-264.25%
Market Cap
$556.35M
Operating Margin
N/A
TTM Avg
28.93%
3Y Avg
-61.51%
5Y Avg
-43.05%
Market Cap
$584.49M
Operating Margin
32.12%
TTM Avg
29.10%
3Y Avg
29.51%
5Y Avg
33.70%
Market Cap
$590.70M
Operating Margin
22.51%
TTM Avg
20.57%
3Y Avg
24.16%
5Y Avg
24.99%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bridgewater Bancshares, Inc. (BWB) | $569.67M | 13.20% | -0.16% | 19.70% | 29.17% |
| Donegal Group Inc. (DGICB)vs › | $567.90M | 9.10% | 8.14% | 4.10% | 4.71% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.26M | 13.20% | 19.04% | 25.89% | 29.84% |
| Community West Bancshares (CWBC)vs › | $559.63M | 25.50% | 16.84% | 26.38% | 31.19% |
| Civista Bancshares, Inc. (CIVB)vs › | $557.41M | 21.66% | 18.39% | 22.70% | 26.05% |
| Gemini Space Station, Inc. (GEMI)vs › | $582.80M | -358.60% | -237.62% | -264.25% | -264.25% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $556.35M | N/A | 28.93% | -61.51% | -43.05% |
| Greene County Bancorp, Inc. (GCBC)vs › | $584.49M | 32.12% | 29.10% | 29.51% | 33.70% |
| First Business Financial Services, Inc. (FBIZ)vs › | $590.70M | 22.51% | 20.57% | 24.16% | 24.99% |
| Chaince Digital Holdings Inc. (CD)vs › | $596.62M | N/A | -317.88% | -805.85% | -866.17% |
Operating Margin
13.2%
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 | -94.82% |
| 2026-03-31 | 28.78% |
| 2025-12-31 | 24.32% |
| 2025-09-30 | 20.03% |
| 2025-06-30 | 20.89% |
| 2025-03-31 | 18.79% |
| 2024-12-31 | 16.07% |
| 2024-09-30 | 17.71% |
| 2024-06-30 | 17.10% |
| 2024-03-31 | 17.15% |
| 2023-12-31 | 19.93% |
| 2023-09-30 | 21.57% |
| 2023-06-30 | 23.14% |
| 2023-03-31 | 29.53% |
| 2022-12-31 | 35.43% |
| 2022-09-30 | 45.32% |
| 2022-06-30 | 44.13% |
| 2022-03-31 | 45.66% |
| 2021-12-31 | 48.01% |
| 2021-09-30 | 44.51% |
| 2021-06-30 | 45.23% |
| 2021-03-31 | 45.73% |
| 2020-12-31 | 21.05% |
| 2020-09-30 | 31.75% |
| 2020-06-30 | 31.87% |
| 2020-03-31 | 34.18% |
| 2019-12-31 | 34.88% |
| 2019-09-30 | 35.97% |
| 2019-06-30 | 34.51% |
| 2019-03-31 | 37.27% |
| 2018-12-31 | 26.00% |
| 2018-09-30 | 37.68% |
| 2018-06-30 | 43.21% |
| 2018-03-31 | 41.99% |
| 2017-12-31 | 28.03% |
| 2017-09-30 | 42.13% |
| 2017-06-30 | 45.89% |
| 2017-03-31 | 42.85% |
| 2016-12-31 | 66.30% |
