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 -14.27% is 214% below its 5-year average of 12.54%, around the middle of its 5-year range (-94.22%–39.40%).
17.37% above its 12-month average of -17.27%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 1.86%.
OPERATING MARGIN
-14.27%
OPERATING MARGIN AVG TTM
-17.27%
OPERATING MARGIN AVG 3Y
4.66%
OPERATING MARGIN AVG 5Y
12.54%
OPERATING MARGIN AVG 10Y
16.87%
OPERATING MARGIN AVG 15Y
18.11%
OPERATING MARGIN AVG 20Y
16.85%
CURRENT VS TTM AVG
+17.37%
CURRENT VS 3Y AVG
-406.23%
CURRENT VS 5Y AVG
-213.80%
CURRENT VS 10Y AVG
-184.58%
CURRENT VS 15Y AVG
-178.80%
CURRENT VS 20Y AVG
-184.70%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-188.69%
vs the sector median at left
First Internet Bancorp
Market Cap
$234.78M
Operating Margin
-14.27%
TTM Avg
-17.27%
3Y Avg
4.66%
5Y Avg
12.54%
Market Cap
$237.15M
Operating Margin
32.64%
TTM Avg
27.59%
3Y Avg
31.39%
5Y Avg
33.18%
Market Cap
$235.78M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$235.80M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$236.48M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$232.99M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$232.99M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$232.19M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$237.42M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Internet Bancorp (INBK) | $234.78M | -14.27% | -17.27% | 4.66% | 12.54% |
| Community Bancorp (CMTV)vs › | $237.15M | 32.64% | 27.59% | 31.39% | 33.18% |
| Illumination Acquisition Corp I Class A Ordinary Shares (ILLU)vs › | $235.78M | N/A | N/A | N/A | N/A |
| Iron Horse Acquisitions II Corp. Common Stock (IRHO)vs › | $235.80M | 0.00% | 0.00% | 0.00% | 0.00% |
| Abony Acquisition Corp. I Class A Ordinary Share (AACO)vs › | $236.48M | 0.00% | 0.00% | 0.00% | 0.00% |
| FG Imperii Acquisition Corp. Class A Ordinary Shares (FGII)vs › | $232.99M | N/A | N/A | N/A | N/A |
| Bluerock Acquisition Corp. Class A Ordinary Shares (BLRK)vs › | $232.99M | N/A | N/A | N/A | N/A |
| Spring Valley Acquisition Corp. IV Class A Ordinary Shares (SVIV)vs › | $232.19M | 0.00% | 0.00% | 0.00% | 0.00% |
| Space Asset Acquisition Corp. Class A Ordinary Shares (SAAQ)vs › | $237.42M | 0.00% | 0.00% | 0.00% | 0.00% |
| ITHAX Acquisition Corp III (ITHA)vs › | $231.93M | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Margin
-14.3%
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 | 1.86% |
| 2026-03-31 | 2.04% |
| 2025-12-31 | 6.15% |
| 2025-09-30 | -94.22% |
| 2025-06-30 | -2.19% |
| 2025-03-31 | 0.04% |
| 2024-12-31 | 9.02% |
| 2024-09-30 | 8.90% |
| 2024-06-30 | 7.45% |
| 2024-03-31 | 7.47% |
| 2023-12-31 | 4.92% |
| 2023-09-30 | 4.46% |
| 2023-06-30 | 5.80% |
| 2023-03-31 | -9.64% |
| 2022-12-31 | 13.58% |
| 2022-09-30 | 22.29% |
| 2022-06-30 | 27.25% |
| 2022-03-31 | 31.50% |
| 2021-12-31 | 35.12% |
| 2021-09-30 | 35.36% |
| 2021-06-30 | 39.40% |
| 2021-03-31 | 29.93% |
| 2020-12-31 | 30.97% |
| 2020-09-30 | 21.87% |
| 2020-06-30 | 9.44% |
| 2020-03-31 | 15.01% |
| 2019-12-31 | 17.91% |
| 2019-09-30 | 15.75% |
| 2019-06-30 | 16.15% |
| 2019-03-31 | 16.79% |
| 2018-12-31 | 9.62% |
| 2018-09-30 | 21.99% |
| 2018-06-30 | 23.14% |
| 2018-03-31 | 24.36% |
| 2017-12-31 | 26.12% |
| 2017-09-30 | 25.77% |
| 2017-06-30 | 24.33% |
| 2017-03-31 | 19.97% |
| 2016-12-31 | 27.75% |
| 2016-09-30 | 22.95% |
| 2016-06-30 | 24.29% |
| 2016-03-31 | 24.76% |
| 2015-12-31 | 25.68% |
| 2015-09-30 | 27.66% |
| 2015-06-30 | 27.43% |
| 2015-03-31 | 26.49% |
| 2014-12-31 | 20.88% |
| 2014-09-30 | 20.01% |
| 2014-06-30 | 16.54% |
| 2014-03-31 | 9.38% |
| 2013-12-31 | 8.14% |
| 2013-09-30 | 11.55% |
| 2013-06-30 | 25.06% |
| 2013-03-31 | 24.81% |
| 2012-12-31 | 23.67% |
| 2012-09-30 | 24.95% |
| 2012-06-30 | 21.44% |
| 2012-03-31 | 18.85% |
| 2008-12-31 | 1.24% |
| 2008-09-30 | 12.77% |
| 2008-06-30 | 11.87% |
| 2008-03-31 | 9.69% |
| 2007-12-31 | 6.89% |
| 2007-09-30 | 10.85% |
| 2007-06-30 | 15.63% |
| 2007-03-31 | 11.60% |
| 2006-12-31 | 3.49% |
| 2006-09-30 | 9.92% |
| 2006-06-30 | 19.51% |
| 2006-03-31 | 11.77% |
| 2005-12-31 | 5.10% |
| 2005-09-30 | 26.30% |
| 2005-06-30 | 0.00% |
