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 26.96% is in line with its 5-year average of 26.74%, around the middle of its 5-year range (3.05%–56.27%).
2.87% above its 12-month average of 26.21%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 29.40%.
OPERATING MARGIN
26.96%
OPERATING MARGIN AVG TTM
26.21%
OPERATING MARGIN AVG 3Y
18.95%
OPERATING MARGIN AVG 5Y
26.74%
OPERATING MARGIN AVG 10Y
26.16%
OPERATING MARGIN AVG 15Y
26.10%
OPERATING MARGIN AVG 20Y
22.94%
CURRENT VS TTM AVG
+2.87%
CURRENT VS 3Y AVG
+42.29%
CURRENT VS 5Y AVG
+0.82%
CURRENT VS 10Y AVG
+3.06%
CURRENT VS 15Y AVG
+3.28%
CURRENT VS 20Y AVG
+17.52%
SECTOR MEDIAN · FINANCIAL SERVICES
16.25%
median of 613 covered companies
CURRENT VS SECTOR MEDIAN
+65.91%
vs the sector median at left
Bankwell Financial Group, Inc.
Market Cap
$529.70M
Operating Margin
26.96%
TTM Avg
26.21%
3Y Avg
18.95%
5Y Avg
26.74%
Market Cap
$529.32M
Operating Margin
28.04%
TTM Avg
25.20%
3Y Avg
27.23%
5Y Avg
30.66%
Market Cap
$533.62M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$519.70M
Operating Margin
30.09%
TTM Avg
28.05%
3Y Avg
28.78%
5Y Avg
32.54%
Market Cap
$534.26M
Operating Margin
-49.85%
TTM Avg
-16.51%
3Y Avg
-100.46%
5Y Avg
-64.72%
Market Cap
$546.96M
Operating Margin
9.10%
TTM Avg
8.14%
3Y Avg
4.10%
5Y Avg
4.71%
Market Cap
$549.69M
Operating Margin
36.54%
TTM Avg
29.75%
3Y Avg
27.02%
5Y Avg
28.91%
Market Cap
$508.67M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bankwell Financial Group, Inc. (BWFG) | $529.70M | 26.96% | 26.21% | 18.95% | 26.74% |
| Home Bancorp, Inc. (HBCP)vs › | $529.32M | 28.04% | 25.20% | 27.23% | 30.66% |
| Powerlaw Corp. Common Stock (PWRL)vs › | $533.62M | N/A | N/A | N/A | N/A |
| Bank7 Corp. (BSVN)vs › | $535.75M | 41.46% | 41.81% | 40.04% | 43.34% |
| Sierra Bancorp (BSRR)vs › | $519.70M | 30.09% | 28.05% | 28.78% | 32.54% |
| Bit Digital, Inc. (BTBT)vs › | $534.26M | -49.85% | -16.51% | -100.46% | -64.72% |
| Donegal Group Inc. (DGICB)vs › | $546.96M | 9.10% | 8.14% | 4.10% | 4.71% |
| Northrim BanCorp, Inc. (NRIM)vs › | $549.69M | 36.54% | 29.75% | 27.02% | 28.91% |
| Churchill Capital Corp XI (CCXI)vs › | $508.67M | 0.00% | 0.00% | 0.00% | 0.00% |
| Orange County Bancorp, Inc. (OBT)vs › | $503.73M | 34.01% | 28.46% | 29.20% | 29.07% |
Operating Margin
27.0%
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 | 29.40% |
| 2026-03-31 | 26.56% |
| 2025-12-31 | 26.37% |
| 2025-09-30 | 25.39% |
| 2025-06-30 | 23.32% |
| 2025-03-31 | 17.94% |
| 2024-12-31 | 8.32% |
| 2024-09-30 | 5.50% |
| 2024-06-30 | 3.05% |
| 2024-03-31 | 10.33% |
| 2023-12-31 | 22.70% |
| 2023-09-30 | 26.20% |
| 2023-06-30 | 21.23% |
| 2023-03-31 | 29.57% |
| 2022-12-31 | 26.41% |
| 2022-09-30 | 38.52% |
| 2022-06-30 | 56.27% |
| 2022-03-31 | 44.34% |
| 2021-12-31 | 43.79% |
| 2021-09-30 | 39.26% |
| 2021-06-30 | 37.09% |
| 2021-03-31 | 35.06% |
| 2020-12-31 | 2.60% |
| 2020-09-30 | 19.35% |
| 2020-06-30 | 7.50% |
| 2020-03-31 | 7.15% |
| 2019-12-31 | 20.95% |
| 2019-09-30 | 23.22% |
| 2019-06-30 | 31.35% |
| 2019-03-31 | 28.14% |
| 2018-12-31 | 15.70% |
| 2018-09-30 | 27.68% |
| 2018-06-30 | 28.95% |
| 2018-03-31 | 29.20% |
| 2017-12-31 | 36.36% |
| 2017-09-30 | 32.12% |
| 2017-06-30 | 32.98% |
| 2017-03-31 | 30.71% |
| 2016-12-31 | 30.35% |
| 2016-09-30 | 27.94% |
| 2016-06-30 | 27.09% |
| 2016-03-31 | 29.60% |
| 2015-12-31 | 27.40% |
| 2015-09-30 | 24.18% |
| 2015-06-30 | 26.89% |
| 2015-03-31 | 23.48% |
| 2014-12-31 | 8.07% |
| 2014-09-30 | 23.94% |
| 2014-06-30 | 21.35% |
| 2014-03-31 | 19.27% |
| 2013-12-31 | 16.13% |
| 2013-09-30 | 25.59% |
| 2013-06-30 | 28.36% |
| 2013-03-31 | 22.72% |
| 2007-09-30 | 11.36% |
| 2007-06-30 | 10.59% |
| 2007-03-31 | 4.86% |
| 2006-12-31 | 10.02% |
| 2006-09-30 | 9.31% |
| 2006-06-30 | 10.68% |
| 2006-03-31 | 10.09% |
| 2005-12-31 | 97.59% |
| 2005-09-30 | 34.07% |
| 2005-06-30 | 27.48% |
| 2005-03-31 | 22.38% |
| 2004-12-31 | -0.90% |
| 2004-09-30 | 9.22% |
| 2004-06-30 | 8.32% |
| 2004-03-31 | 0.54% |
