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 21.66% is 12% below its 5-year average of 24.59%, around the middle of its 5-year range (-21.84%–41.71%).
76.74% above its 12-month average of 12.26%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): -21.84%.
OPERATING MARGIN
21.66%
OPERATING MARGIN AVG TTM
12.26%
OPERATING MARGIN AVG 3Y
18.86%
OPERATING MARGIN AVG 5Y
24.59%
OPERATING MARGIN AVG 10Y
27.87%
OPERATING MARGIN AVG 15Y
24.58%
OPERATING MARGIN AVG 20Y
20.73%
CURRENT VS TTM AVG
+76.74%
CURRENT VS 3Y AVG
+14.84%
CURRENT VS 5Y AVG
-11.91%
CURRENT VS 10Y AVG
-22.27%
CURRENT VS 15Y AVG
-11.86%
CURRENT VS 20Y AVG
+4.48%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+34.62%
vs the sector median at left
Civista Bancshares, Inc.
Market Cap
$555.12M
Operating Margin
21.66%
TTM Avg
12.26%
3Y Avg
18.86%
5Y Avg
24.59%
Market Cap
$554.79M
Operating Margin
25.50%
TTM Avg
16.84%
3Y Avg
26.38%
5Y Avg
31.19%
Market Cap
$554.56M
Operating Margin
37.00%
TTM Avg
36.72%
3Y Avg
39.02%
5Y Avg
40.09%
Market Cap
$553.62M
Operating Margin
17.70%
TTM Avg
15.80%
3Y Avg
13.47%
5Y Avg
16.78%
Market Cap
$560.55M
Operating Margin
13.20%
TTM Avg
19.04%
3Y Avg
25.89%
5Y Avg
29.84%
Market Cap
$548.33M
Operating Margin
36.54%
TTM Avg
29.75%
3Y Avg
27.02%
5Y Avg
28.91%
Market Cap
$564.90M
Operating Margin
N/A
TTM Avg
28.93%
3Y Avg
-61.51%
5Y Avg
-43.05%
Market Cap
$544.56M
Operating Margin
9.10%
TTM Avg
8.14%
3Y Avg
4.10%
5Y Avg
4.71%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Civista Bancshares, Inc. (CIVB) | $555.12M | 21.66% | 12.26% | 18.86% | 24.59% |
| Community West Bancshares (CWBC)vs › | $554.79M | 25.50% | 16.84% | 26.38% | 31.19% |
| Unity Bancorp, Inc. (UNTY)vs › | $554.56M | 37.00% | 36.72% | 39.02% | 40.09% |
| Stewards Inc. (SWRD)vs › | $554.12M | N/A | N/A | N/A | N/A |
| Investors Title Company (ITIC)vs › | $553.62M | 17.70% | 15.80% | 13.47% | 16.78% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 13.20% | 19.04% | 25.89% | 29.84% |
| Northrim BanCorp, Inc. (NRIM)vs › | $548.33M | 36.54% | 29.75% | 27.02% | 28.91% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $564.90M | N/A | 28.93% | -61.51% | -43.05% |
| Donegal Group Inc. (DGICB)vs › | $544.56M | 9.10% | 8.14% | 4.10% | 4.71% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $567.99M | 13.20% | 19.04% | 25.89% | 29.84% |
Operating Margin
21.7%
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 | -21.84% |
| 2026-03-31 | 15.37% |
| 2025-12-31 | 22.47% |
| 2025-09-30 | 24.53% |
| 2025-06-30 | 20.74% |
| 2025-03-31 | 19.57% |
| 2024-12-31 | 18.48% |
| 2024-09-30 | 16.04% |
| 2024-06-30 | 13.36% |
| 2024-03-31 | 12.46% |
| 2023-12-31 | 18.64% |
| 2023-09-30 | 22.63% |
| 2023-06-30 | 22.04% |
| 2023-03-31 | 28.86% |
| 2022-12-31 | 30.71% |
| 2022-09-30 | 35.36% |
| 2022-06-30 | 29.28% |
| 2022-03-31 | 31.50% |
| 2021-12-31 | 41.71% |
| 2021-09-30 | 36.72% |
| 2021-06-30 | 31.30% |
| 2021-03-31 | 37.88% |
| 2020-12-31 | 36.48% |
| 2020-09-30 | 28.61% |
| 2020-06-30 | 23.56% |
| 2020-03-31 | 28.66% |
| 2019-12-31 | 29.75% |
| 2019-09-30 | 30.98% |
| 2019-06-30 | 34.62% |
| 2019-03-31 | 37.89% |
| 2018-12-31 | 31.23% |
| 2018-09-30 | -16.44% |
| 2018-06-30 | 15.87% |
| 2018-03-31 | 38.38% |
| 2017-12-31 | 30.05% |
| 2017-09-30 | 27.55% |
| 2017-06-30 | 27.15% |
| 2017-03-31 | 35.14% |
| 2016-12-31 | 30.62% |
| 2016-09-30 | 29.60% |
| 2016-06-30 | 40.95% |
| 2016-03-31 | 36.21% |
| 2015-12-31 | 28.52% |
| 2015-09-30 | 27.27% |
| 2015-06-30 | 26.09% |
| 2015-03-31 | 27.16% |
| 2014-12-31 | 21.90% |
| 2014-09-30 | 20.97% |
| 2014-06-30 | 20.06% |
| 2014-03-31 | 22.95% |
| 2013-12-31 | 8.03% |
| 2013-09-30 | 13.88% |
| 2013-06-30 | 14.36% |
| 2013-03-31 | 17.39% |
| 2012-12-31 | 19.58% |
| 2012-09-30 | 12.86% |
| 2012-06-30 | 7.86% |
| 2012-03-31 | 11.32% |
| 2011-12-31 | 13.26% |
| 2011-09-30 | 10.07% |
| 2011-06-30 | 3.40% |
| 2011-03-31 | 5.65% |
| 2010-12-31 | 1.53% |
| 2010-09-30 | -15.44% |
| 2010-06-30 | -4.45% |
| 2010-03-31 | -1.58% |
| 2009-12-31 | -1.54% |
| 2009-09-30 | 2.99% |
| 2009-06-30 | 1.80% |
| 2009-03-31 | 5.46% |
| 2008-12-31 | -239.93% |
| 2008-09-30 | 9.08% |
| 2008-06-30 | -0.25% |
| 2008-03-31 | 9.33% |
| 2007-12-31 | 21.35% |
| 2007-09-30 | 14.48% |
| 2007-06-30 | 19.63% |
| 2007-03-31 | 12.95% |
| 2006-12-31 | 16.59% |
| 2006-09-30 | 14.24% |
| 2006-06-30 | 19.13% |
| 2006-03-31 | 17.20% |
| 2005-12-31 | 23.02% |
| 2005-09-30 | 18.11% |
| 2005-06-30 | 16.93% |
| 2005-03-31 | 18.51% |
| 2004-12-31 | 11.12% |
| 2004-09-30 | 19.28% |
| 2004-06-30 | 20.68% |
| 2004-03-31 | 17.07% |
| 2003-12-31 | 8.93% |
| 2003-09-30 | 18.26% |
| 2003-06-30 | 22.84% |
| 2003-03-31 | 24.39% |
| 2002-12-31 | 22.02% |
| 2002-09-30 | 26.64% |
