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 10.32% is 21% below its 5-year average of 12.99%, around the middle of its 5-year range (0.54%–28.91%).
4.32% above its 12-month average of 9.89%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 9.65%.
OPERATING MARGIN
10.32%
OPERATING MARGIN AVG TTM
9.89%
OPERATING MARGIN AVG 3Y
7.21%
OPERATING MARGIN AVG 5Y
12.99%
OPERATING MARGIN AVG 10Y
19.32%
OPERATING MARGIN AVG 15Y
21.79%
OPERATING MARGIN AVG 20Y
20.85%
CURRENT VS TTM AVG
+4.32%
CURRENT VS 3Y AVG
+43.05%
CURRENT VS 5Y AVG
-20.54%
CURRENT VS 10Y AVG
-46.59%
CURRENT VS 15Y AVG
-52.63%
CURRENT VS 20Y AVG
-50.51%
SECTOR MEDIAN · FINANCIAL SERVICES
17.79%
median of 428 covered companies
CURRENT VS SECTOR MEDIAN
-41.99%
vs the sector median at left
Finward Bancorp
Market Cap
$181.55M
Operating Margin
10.32%
TTM Avg
9.89%
3Y Avg
7.21%
5Y Avg
12.99%
Market Cap
$183.01M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$180.09M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$183.40M
Operating Margin
17.88%
TTM Avg
10.46%
3Y Avg
10.77%
5Y Avg
15.83%
Market Cap
$179.33M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$183.78M
Operating Margin
3.72%
TTM Avg
8.99%
3Y Avg
11.90%
5Y Avg
20.43%
Market Cap
$178.44M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$185.08M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$177.93M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Finward Bancorp (FNWD) | $181.55M | 10.32% | 9.89% | 7.21% | 12.99% |
| Invest Green Acquisition Corp. (IGAC)vs › | $183.01M | 0.00% | 0.00% | 0.00% | 0.00% |
| Digital Asset Acquisition Corp. (DAAQ)vs › | $180.09M | 0.00% | 0.00% | 0.00% | 0.00% |
| ECB Bancorp, Inc. (ECBK)vs › | $183.40M | 17.88% | 10.46% | 10.77% | 15.83% |
| ARC Group Acquisition I Corp Class A Ordinary Shares (ARCL)vs › | $179.33M | N/A | N/A | N/A | N/A |
| Hanover Bancorp, Inc. (HNVR)vs › | $183.78M | 3.72% | 8.99% | 11.90% | 20.43% |
| Apogee Acquisition Corp Class A Ordinary Shares (AACP)vs › | $178.44M | 0.00% | 0.00% | 0.00% | 0.00% |
| Crown Reserve Acquisition Corp. I (CRAC)vs › | $185.08M | 0.00% | 0.00% | 0.00% | 0.00% |
| Chenghe Acquisition III Co. Class A Ordinary Share (CHEC)vs › | $177.93M | 0.00% | 0.00% | 0.00% | 0.00% |
| JAB Acquisition Corp. I Class A (ATLQ)vs › | $185.49M | N/A | N/A | N/A | N/A |
Operating Margin
10.3%
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 | 9.65% |
| 2026-03-31 | 10.60% |
| 2025-12-31 | 7.31% |
| 2025-09-30 | 13.56% |
| 2025-06-30 | 8.35% |
| 2025-03-31 | 2.51% |
| 2024-12-31 | 10.14% |
| 2024-09-30 | 1.57% |
| 2024-06-30 | 0.54% |
| 2024-03-31 | 28.91% |
| 2023-12-31 | 4.62% |
| 2023-09-30 | 7.42% |
| 2023-06-30 | 10.30% |
| 2023-03-31 | 11.26% |
| 2022-12-31 | 17.63% |
| 2022-09-30 | 24.22% |
| 2022-06-30 | 24.32% |
| 2022-03-31 | 12.66% |
| 2021-12-31 | 19.94% |
| 2021-09-30 | 22.64% |
| 2021-06-30 | 24.61% |
| 2021-03-31 | 31.03% |
| 2020-12-31 | 20.83% |
| 2020-09-30 | 31.99% |
| 2020-06-30 | 33.09% |
| 2020-03-31 | 22.56% |
| 2019-12-31 | 15.61% |
| 2019-09-30 | 24.23% |
| 2019-06-30 | 30.70% |
| 2019-03-31 | 17.02% |
| 2018-12-31 | 22.37% |
| 2018-09-30 | 14.89% |
| 2018-06-30 | 25.68% |
| 2018-03-31 | 26.61% |
| 2017-12-31 | 28.93% |
| 2017-09-30 | 26.24% |
| 2017-06-30 | 31.93% |
| 2017-03-31 | 28.04% |
| 2016-12-31 | 29.36% |
| 2016-09-30 | 28.57% |
| 2016-06-30 | 29.83% |
| 2016-03-31 | 29.15% |
| 2015-12-31 | 25.19% |
| 2015-09-30 | 25.87% |
| 2015-06-30 | 28.06% |
| 2015-03-31 | 27.55% |
| 2014-12-31 | 25.61% |
| 2014-09-30 | 29.43% |
| 2014-06-30 | 30.11% |
| 2014-03-31 | 29.75% |
| 2013-12-31 | 23.66% |
| 2013-09-30 | 36.35% |
| 2013-06-30 | 30.31% |
| 2013-03-31 | 29.29% |
| 2012-12-31 | 24.49% |
| 2012-09-30 | 32.16% |
| 2012-06-30 | 26.43% |
| 2012-03-31 | 21.05% |
| 2011-12-31 | 21.52% |
| 2011-09-30 | 17.16% |
| 2011-06-30 | 23.66% |
| 2011-03-31 | 16.27% |
| 2010-12-31 | 14.65% |
| 2010-09-30 | 13.19% |
| 2010-06-30 | 20.76% |
| 2010-03-31 | 17.84% |
| 2009-12-31 | 9.06% |
| 2009-09-30 | -27.35% |
| 2009-06-30 | 12.09% |
| 2009-03-31 | 21.42% |
| 2008-12-31 | 15.58% |
| 2008-09-30 | 20.71% |
| 2008-06-30 | 18.43% |
| 2008-03-31 | 19.57% |
| 2007-12-31 | 14.62% |
| 2007-09-30 | 18.66% |
| 2007-06-30 | 19.27% |
| 2007-03-31 | 19.59% |
| 2006-12-31 | 20.52% |
| 2006-09-30 | 22.33% |
| 2006-06-30 | 24.54% |
| 2006-03-31 | 26.27% |
| 2005-12-31 | 29.34% |
| 2005-09-30 | 27.81% |
| 2005-06-30 | 29.14% |
| 2005-03-31 | 30.46% |
| 2004-12-31 | 31.96% |
| 2004-09-30 | 32.03% |
| 2004-06-30 | 32.18% |
| 2004-03-31 | 30.91% |
| 2003-12-31 | 31.14% |
| 2003-09-30 | 33.40% |
| 2003-06-30 | 31.76% |
| 2003-03-31 | 31.22% |
| 2002-12-31 | 29.09% |
| 2002-09-30 | 29.27% |
