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 37.00% is in line with its 5-year average of 40.38%, near the low end of its 5-year range (31.56%–53.81%).
3.89% below its 12-month average of 38.50%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.41%.
OPERATING MARGIN
37.00%
OPERATING MARGIN AVG TTM
38.50%
OPERATING MARGIN AVG 3Y
35.60%
OPERATING MARGIN AVG 5Y
40.38%
OPERATING MARGIN AVG 10Y
36.98%
OPERATING MARGIN AVG 15Y
32.52%
OPERATING MARGIN AVG 20Y
26.03%
CURRENT VS TTM AVG
-3.89%
CURRENT VS 3Y AVG
+3.94%
CURRENT VS 5Y AVG
-8.36%
CURRENT VS 10Y AVG
+0.06%
CURRENT VS 15Y AVG
+13.79%
CURRENT VS 20Y AVG
+42.14%
SECTOR MEDIAN · FINANCIAL SERVICES
16.09%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+129.96%
vs the sector median at left
Unity Bancorp, Inc.
Market Cap
$555.36M
Operating Margin
37.00%
TTM Avg
38.50%
3Y Avg
35.60%
5Y Avg
40.38%
Market Cap
$555.78M
Operating Margin
21.66%
TTM Avg
18.39%
3Y Avg
22.70%
5Y Avg
26.05%
Market Cap
$556.96M
Operating Margin
17.70%
TTM Avg
15.80%
3Y Avg
13.47%
5Y Avg
16.78%
Market Cap
$558.75M
Operating Margin
25.50%
TTM Avg
16.84%
3Y Avg
26.38%
5Y Avg
31.19%
Market Cap
$560.09M
Operating Margin
N/A
TTM Avg
28.93%
3Y Avg
-61.51%
5Y Avg
-43.05%
Market Cap
$560.55M
Operating Margin
13.20%
TTM Avg
19.04%
3Y Avg
25.89%
5Y Avg
29.84%
Market Cap
$547.79M
Operating Margin
36.54%
TTM Avg
29.75%
3Y Avg
27.02%
5Y Avg
28.91%
Market Cap
$567.53M
Operating Margin
-358.60%
TTM Avg
-237.62%
3Y Avg
-264.25%
5Y Avg
-264.25%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Unity Bancorp, Inc. (UNTY) | $555.36M | 37.00% | 38.50% | 35.60% | 40.38% |
| Civista Bancshares, Inc. (CIVB)vs › | $555.78M | 21.66% | 18.39% | 22.70% | 26.05% |
| Investors Title Company (ITIC)vs › | $556.96M | 17.70% | 15.80% | 13.47% | 16.78% |
| Community West Bancshares (CWBC)vs › | $558.75M | 25.50% | 16.84% | 26.38% | 31.19% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $560.09M | N/A | 28.93% | -61.51% | -43.05% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 13.20% | 19.04% | 25.89% | 29.84% |
| Northrim BanCorp, Inc. (NRIM)vs › | $547.79M | 36.54% | 29.75% | 27.02% | 28.91% |
| Gemini Space Station, Inc. (GEMI)vs › | $567.53M | -358.60% | -237.62% | -264.25% | -264.25% |
| Stewards Inc. (SWRD)vs › | $543.67M | N/A | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWB)vs › | $568.44M | 13.20% | 19.04% | 25.89% | 29.84% |
Operating Margin
37.0%
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 | 38.41% |
| 2026-03-31 | 40.03% |
| 2025-12-31 | 39.57% |
| 2025-09-30 | 31.56% |
| 2025-06-30 | 42.90% |
| 2025-03-31 | 35.95% |
| 2024-12-31 | 34.50% |
| 2024-09-30 | 34.58% |
| 2024-06-30 | 31.64% |
| 2024-03-31 | 32.24% |
| 2023-12-31 | 32.68% |
| 2023-09-30 | 33.61% |
| 2023-06-30 | 35.07% |
| 2023-03-31 | 39.86% |
| 2022-12-31 | 42.44% |
| 2022-09-30 | 48.81% |
| 2022-06-30 | 48.89% |
| 2022-03-31 | 51.42% |
| 2021-12-31 | 53.33% |
| 2021-09-30 | 53.81% |
| 2021-06-30 | 46.60% |
| 2021-03-31 | 47.27% |
| 2020-12-31 | 41.51% |
| 2020-09-30 | 34.31% |
| 2020-06-30 | 31.07% |
| 2020-03-31 | 31.97% |
| 2019-12-31 | 38.10% |
| 2019-09-30 | 36.43% |
| 2019-06-30 | 35.39% |
| 2019-03-31 | 35.57% |
| 2018-12-31 | 36.78% |
| 2018-09-30 | 33.80% |
| 2018-06-30 | 36.24% |
| 2018-03-31 | 36.14% |
| 2017-12-31 | 37.54% |
| 2017-09-30 | 35.97% |
| 2017-06-30 | 34.65% |
| 2017-03-31 | 34.12% |
| 2016-12-31 | 33.62% |
| 2016-09-30 | 32.77% |
| 2016-06-30 | 32.65% |
| 2016-03-31 | 49.63% |
| 2015-12-31 | 30.61% |
| 2015-09-30 | 29.97% |
| 2015-06-30 | 29.81% |
| 2015-03-31 | 25.67% |
| 2014-12-31 | 23.15% |
| 2014-09-30 | 23.75% |
| 2014-06-30 | 20.96% |
| 2014-03-31 | 18.53% |
| 2013-12-31 | 18.70% |
| 2013-09-30 | 19.62% |
| 2013-06-30 | 20.74% |
| 2013-03-31 | 17.14% |
| 2012-12-31 | 18.41% |
| 2012-09-30 | 17.22% |
| 2012-06-30 | 14.20% |
| 2012-03-31 | 12.88% |
| 2011-12-31 | 7.83% |
| 2011-09-30 | 12.98% |
| 2011-06-30 | 7.91% |
| 2011-03-31 | 0.63% |
| 2010-12-31 | 0.28% |
| 2010-09-30 | 7.94% |
| 2010-06-30 | 7.37% |
| 2010-03-31 | 7.51% |
| 2009-12-31 | -1.34% |
| 2009-09-30 | -8.17% |
| 2009-06-30 | -13.10% |
| 2009-03-31 | 7.66% |
| 2008-12-31 | 1.58% |
| 2008-09-30 | -8.41% |
| 2008-06-30 | 12.03% |
| 2008-03-31 | 13.27% |
| 2007-12-31 | 6.73% |
| 2007-09-30 | 10.57% |
| 2007-06-30 | 16.16% |
| 2007-03-31 | 15.55% |
| 2006-12-31 | 10.67% |
| 2006-09-30 | 18.30% |
| 2006-06-30 | 19.76% |
| 2006-03-31 | 20.82% |
| 2005-12-31 | 23.45% |
| 2005-09-30 | 23.71% |
| 2005-06-30 | 24.34% |
| 2005-03-31 | 22.63% |
| 2004-12-31 | 23.97% |
| 2004-09-30 | 26.22% |
| 2004-06-30 | 26.23% |
| 2004-03-31 | 22.77% |
| 2003-12-31 | 17.39% |
| 2003-09-30 | 24.79% |
| 2003-06-30 | 23.17% |
| 2003-03-31 | 22.33% |
| 2002-12-31 | 19.52% |
| 2002-09-30 | 19.10% |
