Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 24.20% is in line with its 5-year average of 22.20%, around the middle of its 5-year range (11.01%–36.44%).
1.08% above its 12-month average of 23.94%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 36.44%.
NET PROFIT MARGIN
24.20%
NET PROFIT MARGIN AVG TTM
23.94%
NET PROFIT MARGIN AVG 3Y
16.84%
NET PROFIT MARGIN AVG 5Y
22.20%
NET PROFIT MARGIN AVG 10Y
23.67%
NET PROFIT MARGIN AVG 15Y
20.36%
NET PROFIT MARGIN AVG 20Y
16.78%
CURRENT VS TTM AVG
+1.08%
CURRENT VS 3Y AVG
+43.67%
CURRENT VS 5Y AVG
+9.00%
CURRENT VS 10Y AVG
+2.23%
CURRENT VS 15Y AVG
+18.86%
CURRENT VS 20Y AVG
+44.23%
SECTOR MEDIAN · FINANCIAL SERVICES
14.76%
median of 437 covered companies
CURRENT VS SECTOR MEDIAN
+63.96%
vs the sector median at left
Civista Bancshares, Inc.
Market Cap
$559.49M
Net Profit Margin
24.20%
TTM Avg
23.94%
3Y Avg
16.84%
5Y Avg
22.20%
Market Cap
$558.82M
Net Profit Margin
22.07%
TTM Avg
14.43%
3Y Avg
19.50%
5Y Avg
22.43%
Market Cap
$557.79M
Net Profit Margin
13.80%
TTM Avg
12.46%
3Y Avg
10.75%
5Y Avg
13.34%
Market Cap
$561.73M
Net Profit Margin
18.37%
TTM Avg
12.14%
3Y Avg
19.66%
5Y Avg
23.27%
Market Cap
$555.82M
Net Profit Margin
N/A
TTM Avg
-11.08%
3Y Avg
-107.17%
5Y Avg
-77.07%
Market Cap
$569.52M
Net Profit Margin
7.38%
TTM Avg
6.63%
3Y Avg
3.38%
5Y Avg
3.90%
Market Cap
$572.18M
Net Profit Margin
22.07%
TTM Avg
14.43%
3Y Avg
19.50%
5Y Avg
22.43%
Market Cap
$544.74M
Net Profit Margin
-237.19%
TTM Avg
-26.72%
3Y Avg
-102.60%
5Y Avg
-70.38%
Market Cap
$584.02M
Net Profit Margin
-264.05%
TTM Avg
-255.13%
3Y Avg
-278.66%
5Y Avg
-278.66%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Civista Bancshares, Inc. (CIVB) | $559.49M | 24.20% | 23.94% | 16.84% | 22.20% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $558.82M | 22.07% | 14.43% | 19.50% | 22.43% |
| Investors Title Company (ITIC)vs › | $557.79M | 13.80% | 12.46% | 10.75% | 13.34% |
| Community West Bancshares (CWBC)vs › | $561.73M | 18.37% | 12.14% | 19.66% | 23.27% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $555.82M | N/A | -11.08% | -107.17% | -77.07% |
| Donegal Group Inc. (DGICB)vs › | $569.52M | 7.38% | 6.63% | 3.38% | 3.90% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $572.18M | 22.07% | 14.43% | 19.50% | 22.43% |
| Bit Digital, Inc. (BTBT)vs › | $544.74M | -237.19% | -26.72% | -102.60% | -70.38% |
| Gemini Space Station, Inc. (GEMI)vs › | $584.02M | -264.05% | -255.13% | -278.66% | -278.66% |
| Kearny Financial Corp. (KRNY)vs › | $585.91M | 10.45% | 9.02% | 1.32% | 9.69% |
Operating Margin
21.7%
Net Profit Margin
24.2%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 36.44% |
| 2026-03-31 | 26.86% |
| 2025-12-31 | 18.69% |
| 2025-09-30 | 20.00% |
| 2025-06-30 | 17.72% |
| 2025-03-31 | 16.67% |
| 2024-12-31 | 16.07% |
| 2024-09-30 | 13.53% |
| 2024-06-30 | 11.68% |
| 2024-03-31 | 11.01% |
| 2023-12-31 | 16.01% |
| 2023-09-30 | 19.20% |
| 2023-06-30 | 18.88% |
| 2023-03-31 | 24.13% |
| 2022-12-31 | 25.59% |
| 2022-09-30 | 29.50% |
| 2022-06-30 | 24.72% |
| 2022-03-31 | 26.63% |
| 2021-12-31 | 35.34% |
| 2021-09-30 | 30.50% |
| 2021-06-30 | 27.06% |
| 2021-03-31 | 31.34% |
| 2020-12-31 | 30.98% |
| 2020-09-30 | 24.94% |
| 2020-06-30 | 20.91% |
| 2020-03-31 | 24.92% |
| 2019-12-31 | 26.40% |
| 2019-09-30 | 26.64% |
| 2019-06-30 | 29.38% |
| 2019-03-31 | 31.71% |
| 2018-12-31 | 26.85% |
| 2018-09-30 | -16.44% |
| 2018-06-30 | 14.82% |
| 2018-03-31 | 32.78% |
| 2017-12-31 | 20.60% |
| 2017-09-30 | 20.26% |
| 2017-06-30 | 19.85% |
| 2017-03-31 | 24.95% |
| 2016-12-31 | 22.24% |
| 2016-09-30 | 21.85% |
| 2016-06-30 | 29.21% |
| 2016-03-31 | 25.97% |
| 2015-12-31 | 19.98% |
| 2015-09-30 | 20.11% |
| 2015-06-30 | 19.24% |
| 2015-03-31 | 19.97% |
| 2014-12-31 | 15.90% |
| 2014-09-30 | 15.93% |
| 2014-06-30 | 15.40% |
| 2014-03-31 | 17.23% |
| 2013-12-31 | 7.34% |
| 2013-09-30 | 11.16% |
| 2013-06-30 | 12.10% |
| 2013-03-31 | 13.33% |
| 2012-12-31 | 14.46% |
| 2012-09-30 | 9.81% |
| 2012-06-30 | 6.47% |
| 2012-03-31 | 8.66% |
| 2011-12-31 | 10.12% |
| 2011-09-30 | 7.99% |
| 2011-06-30 | 3.59% |
| 2011-03-31 | 4.99% |
| 2010-12-31 | 2.26% |
| 2010-09-30 | -8.98% |
| 2010-06-30 | -1.66% |
| 2010-03-31 | 0.23% |
| 2009-12-31 | 0.17% |
| 2009-09-30 | 3.10% |
| 2009-06-30 | 2.29% |
| 2009-03-31 | 4.57% |
| 2008-12-31 | -243.90% |
| 2008-09-30 | 6.87% |
| 2008-06-30 | 0.58% |
| 2008-03-31 | 6.96% |
| 2007-12-31 | 14.26% |
| 2007-09-30 | 10.21% |
| 2007-06-30 | 13.91% |
| 2007-03-31 | 9.28% |
| 2006-12-31 | 11.76% |
| 2006-09-30 | 9.96% |
| 2006-06-30 | 13.17% |
| 2006-03-31 | 11.97% |
| 2005-12-31 | 15.76% |
| 2005-09-30 | 12.51% |
| 2005-06-30 | 11.84% |
| 2005-03-31 | 12.82% |
| 2004-12-31 | 8.14% |
| 2004-09-30 | 13.58% |
| 2004-06-30 | 14.59% |
| 2004-03-31 | 12.35% |
| 2003-12-31 | 7.18% |
| 2003-09-30 | 13.14% |
| 2003-06-30 | 16.27% |
| 2003-03-31 | 17.23% |
| 2002-12-31 | 15.70% |
| 2002-09-30 | 18.07% |
