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 18.82% is 11% below its 5-year average of 21.26%, around the middle of its 5-year range (10.15%–36.50%).
1.65% below its 12-month average of 19.14%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 21.72%.
OPERATING MARGIN
18.82%
OPERATING MARGIN AVG TTM
19.14%
OPERATING MARGIN AVG 3Y
17.22%
OPERATING MARGIN AVG 5Y
21.26%
OPERATING MARGIN AVG 10Y
19.41%
OPERATING MARGIN AVG 15Y
19.17%
OPERATING MARGIN AVG 20Y
17.43%
CURRENT VS TTM AVG
-1.65%
CURRENT VS 3Y AVG
+9.31%
CURRENT VS 5Y AVG
-11.47%
CURRENT VS 10Y AVG
-3.03%
CURRENT VS 15Y AVG
-1.83%
CURRENT VS 20Y AVG
+8.00%
SECTOR MEDIAN · FINANCIAL SERVICES
17.98%
median of 374 covered companies
CURRENT VS SECTOR MEDIAN
+4.64%
vs the sector median at left
C&F Financial Corporation
Market Cap
$323.68M
Operating Margin
18.82%
TTM Avg
19.14%
3Y Avg
17.22%
5Y Avg
21.26%
Market Cap
$323.62M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$324.16M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$325.24M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$320.37M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
1.76%
Market Cap
$319.87M
Operating Margin
24.72%
TTM Avg
21.36%
3Y Avg
24.96%
5Y Avg
26.69%
Market Cap
$318.54M
Operating Margin
23.15%
TTM Avg
21.56%
3Y Avg
21.21%
5Y Avg
25.47%
Market Cap
$329.43M
Operating Margin
14.28%
TTM Avg
20.49%
3Y Avg
23.25%
5Y Avg
27.38%
Market Cap
$330.18M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| C&F Financial Corporation (CFFI) | $323.68M | 18.82% | 19.14% | 17.22% | 21.26% |
| Aldel Financial II Inc. (ALDF)vs › | $323.62M | 0.00% | 0.00% | 0.00% | 0.00% |
| Evolution Global Acquisition Corp Class A Ordinary Shares (EVOX)vs › | $324.16M | 0.00% | 0.00% | 0.00% | 0.00% |
| B&R Technology Merger Corp. Class A (BRTM)vs › | $325.24M | N/A | N/A | N/A | N/A |
| Lionheart Holdings (CUB)vs › | $320.37M | 0.00% | 0.00% | 0.00% | 1.76% |
| Fidelity D & D Bancorp, Inc. (FDBC)vs › | $319.87M | 24.72% | 21.36% | 24.96% | 26.69% |
| FVCBankcorp, Inc. (FVCB)vs › | $318.54M | 23.15% | 21.56% | 21.21% | 25.47% |
| FS Bancorp, Inc. (FSBW)vs › | $329.43M | 14.28% | 20.49% | 23.25% | 27.38% |
| Fifth Era Acquisition Corp I Class A Ordinary Shares (FERA)vs › | $330.18M | 0.00% | 0.00% | 0.00% | 0.00% |
| Archimedes Tech SPAC Partners II Co. Ordinary Shares (ATII)vs › | $316.61M | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Margin
18.8%
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 | 21.72% |
| 2026-03-31 | 17.49% |
| 2025-12-31 | 16.97% |
| 2025-09-30 | 18.94% |
| 2025-06-30 | 20.55% |
| 2025-03-31 | 15.29% |
| 2024-12-31 | 17.04% |
| 2024-09-30 | 15.21% |
| 2024-06-30 | 15.11% |
| 2024-03-31 | 10.15% |
| 2023-12-31 | 15.34% |
| 2023-09-30 | 19.29% |
| 2023-06-30 | 20.71% |
| 2023-03-31 | 21.74% |
| 2022-12-31 | 36.50% |
| 2022-09-30 | 25.70% |
| 2022-06-30 | 29.41% |
| 2022-03-31 | 25.85% |
| 2021-12-31 | 25.02% |
| 2021-09-30 | 29.00% |
| 2021-06-30 | 29.38% |
| 2021-03-31 | 26.07% |
| 2020-12-31 | 25.99% |
| 2020-09-30 | 22.97% |
| 2020-06-30 | 13.54% |
| 2020-03-31 | 14.87% |
| 2019-12-31 | 16.84% |
| 2019-09-30 | 19.71% |
| 2019-06-30 | 23.27% |
| 2019-03-31 | 15.57% |
| 2018-12-31 | 16.81% |
| 2018-09-30 | 21.24% |
| 2018-06-30 | 21.63% |
| 2018-03-31 | 16.36% |
| 2017-12-31 | 14.05% |
| 2017-09-30 | 14.38% |
| 2017-06-30 | 20.07% |
| 2017-03-31 | 12.91% |
| 2016-12-31 | 13.56% |
| 2016-09-30 | 14.67% |
| 2016-06-30 | 21.85% |
| 2016-03-31 | 11.71% |
| 2015-12-31 | 10.85% |
| 2015-09-30 | 17.84% |
| 2015-06-30 | 21.89% |
| 2015-03-31 | 13.93% |
| 2014-12-31 | 11.76% |
| 2014-09-30 | 17.79% |
| 2014-06-30 | 20.03% |
| 2014-03-31 | 15.90% |
| 2013-12-31 | 14.76% |
| 2013-09-30 | 19.21% |
| 2013-06-30 | 24.60% |
| 2013-03-31 | 24.21% |
| 2012-12-31 | 19.89% |
| 2012-09-30 | 26.33% |
| 2012-06-30 | 25.88% |
| 2012-03-31 | 21.11% |
| 2011-12-31 | 18.80% |
| 2011-09-30 | 19.68% |
| 2011-06-30 | 17.79% |
| 2011-03-31 | 17.67% |
| 2010-12-31 | 12.31% |
| 2010-09-30 | 14.49% |
| 2010-06-30 | 7.05% |
| 2010-03-31 | 10.26% |
| 2009-12-31 | 3.11% |
| 2009-09-30 | 9.43% |
| 2009-06-30 | 9.16% |
| 2009-03-31 | 7.73% |
| 2008-12-31 | 1.03% |
| 2008-09-30 | 3.93% |
| 2008-06-30 | 7.93% |
| 2008-03-31 | 8.30% |
| 2007-12-31 | 9.84% |
| 2007-09-30 | 13.69% |
| 2007-06-30 | 15.26% |
| 2007-03-31 | 13.40% |
| 2006-12-31 | 17.45% |
| 2006-09-30 | 20.72% |
| 2006-06-30 | 24.74% |
| 2006-03-31 | 18.69% |
| 2005-12-31 | 19.72% |
| 2005-09-30 | 23.20% |
| 2005-06-30 | 23.68% |
| 2005-03-31 | 22.34% |
| 2004-12-31 | 23.76% |
| 2004-09-30 | 26.74% |
| 2004-06-30 | 25.22% |
| 2004-03-31 | 22.93% |
| 2003-12-31 | 25.16% |
| 2003-09-30 | 28.62% |
| 2003-06-30 | 29.62% |
| 2003-03-31 | 29.59% |
| 2002-12-31 | 25.90% |
| 2002-09-30 | 29.44% |
