Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the EBITDA margin high or low?
The EBITDA margin of 31.85% is in line with its 5-year average of 35.13%, near the low end of its 5-year range (29.50%–41.79%).
1.50% below its 12-month average of 32.33%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 36.81%.
EBITDA MARGIN
31.85%
EBITDA MARGIN AVG TTM
32.33%
EBITDA MARGIN AVG 3Y
33.48%
EBITDA MARGIN AVG 5Y
35.13%
EBITDA MARGIN AVG 10Y
33.18%
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-1.50%
CURRENT VS 3Y AVG
-4.87%
CURRENT VS 5Y AVG
-9.35%
CURRENT VS 10Y AVG
-4.00%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Amalgamated Financial Corp.
Market Cap
$1.43B
EBITDA Margin
31.85%
TTM Avg
32.33%
3Y Avg
33.48%
5Y Avg
35.13%
Market Cap
$1.40B
EBITDA Margin
24.08%
TTM Avg
27.68%
3Y Avg
33.19%
5Y Avg
35.49%
Market Cap
$1.40B
EBITDA Margin
34.14%
TTM Avg
24.29%
3Y Avg
27.30%
5Y Avg
28.62%
Market Cap
$1.46B
EBITDA Margin
79.71%
TTM Avg
65.88%
3Y Avg
59.40%
5Y Avg
60.76%
Market Cap
$1.38B
EBITDA Margin
32.09%
TTM Avg
30.90%
3Y Avg
33.80%
5Y Avg
36.07%
Market Cap
$1.32B
EBITDA Margin
29.36%
TTM Avg
28.67%
3Y Avg
30.39%
5Y Avg
31.60%
Market Cap
$1.32B
EBITDA Margin
37.36%
TTM Avg
36.77%
3Y Avg
38.05%
5Y Avg
39.27%
Market Cap
$1.53B
EBITDA Margin
20.90%
TTM Avg
20.19%
3Y Avg
27.61%
5Y Avg
32.94%
Market Cap
$1.55B
EBITDA Margin
41.27%
TTM Avg
41.30%
3Y Avg
41.20%
5Y Avg
40.58%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Amalgamated Financial Corp. (AMAL) | $1.43B | 31.85% | 32.33% | 33.48% | 35.13% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.40B | 24.08% | 27.68% | 33.19% | 35.49% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 34.14% | 24.29% | 27.30% | 28.62% |
| Capital Southwest Corporation (CSWC)vs › | $1.46B | 79.71% | 65.88% | 59.40% | 60.76% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 32.09% | 30.90% | 33.80% | 36.07% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 29.36% | 28.67% | 30.39% | 31.60% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 37.36% | 36.77% | 38.05% | 39.27% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.53B | 20.90% | 20.19% | 27.61% | 32.94% |
| Pathward Financial, Inc. (CASH)vs › | $1.55B | 41.27% | 41.30% | 41.20% | 40.58% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.56B | -56.74% | 26.01% | -294.88% | -199.26% |
EBITDA Margin
31.9%
Operating Margin
31.0%
Net Margin
23.4%
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.
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | EBITDA MARGIN |
|---|---|
| 2026-06-30 | 36.81% |
| 2026-03-31 | 29.50% |
| 2025-12-31 | 32.06% |
| 2025-09-30 | 31.27% |
| 2025-06-30 | 32.03% |
| 2025-03-31 | 32.07% |
| 2024-12-31 | 32.91% |
| 2024-09-30 | 34.81% |
| 2024-03-31 | 38.75% |
| 2023-12-31 | 35.70% |
| 2023-09-30 | 33.10% |
| 2023-06-30 | 32.77% |
| 2023-03-31 | 33.33% |
| 2022-12-31 | 38.83% |
| 2022-09-30 | 41.79% |
| 2022-06-30 | 41.53% |
| 2022-03-31 | 35.27% |
| 2021-12-31 | 39.79% |
| 2021-09-30 | 39.54% |
| 2021-06-30 | 30.84% |
| 2021-03-31 | 34.18% |
| 2020-12-31 | 35.28% |
| 2020-09-30 | 35.70% |
| 2020-06-30 | 28.16% |
| 2020-03-31 | 25.30% |
| 2019-12-31 | 33.04% |
| 2019-09-30 | 36.03% |
| 2019-06-30 | 31.18% |
| 2019-03-31 | 30.13% |
| 2018-12-31 | 25.81% |
| 2018-09-30 | 28.02% |
| 2018-06-30 | 36.02% |
| 2018-03-31 | 25.83% |
| 2017-12-31 | 16.36% |
| 2017-09-30 | 19.03% |
| 2017-06-30 | 10.15% |
| 2017-03-31 | 20.71% |
