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 39.00% is in line with its 5-year average of 43.31%, near the low end of its 5-year range (33.20%–112.65%).
3.13% above its 12-month average of 37.82%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 36.61%.
EBITDA MARGIN
39.00%
EBITDA MARGIN AVG TTM
37.82%
EBITDA MARGIN AVG 3Y
39.89%
EBITDA MARGIN AVG 5Y
43.31%
EBITDA MARGIN AVG 10Y
43.15%
EBITDA MARGIN AVG 15Y
42.13%
EBITDA MARGIN AVG 20Y
34.74%
CURRENT VS TTM AVG
+3.13%
CURRENT VS 3Y AVG
-2.23%
CURRENT VS 5Y AVG
-9.95%
CURRENT VS 10Y AVG
-9.61%
CURRENT VS 15Y AVG
-7.44%
CURRENT VS 20Y AVG
+12.25%
Bank First Corporation
Market Cap
$1.70B
EBITDA Margin
39.00%
TTM Avg
37.82%
3Y Avg
39.89%
5Y Avg
43.31%
Market Cap
$1.66B
EBITDA Margin
24.08%
TTM Avg
27.68%
3Y Avg
33.19%
5Y Avg
35.49%
Market Cap
$1.66B
EBITDA Margin
20.90%
TTM Avg
20.19%
3Y Avg
27.61%
5Y Avg
32.94%
Market Cap
$1.63B
EBITDA Margin
24.08%
TTM Avg
27.68%
3Y Avg
33.19%
5Y Avg
35.49%
Market Cap
$1.56B
EBITDA Margin
-56.74%
TTM Avg
26.01%
3Y Avg
-294.88%
5Y Avg
-199.26%
Market Cap
$1.55B
EBITDA Margin
41.27%
TTM Avg
41.30%
3Y Avg
41.20%
5Y Avg
40.58%
Market Cap
$1.84B
EBITDA Margin
23.36%
TTM Avg
21.42%
3Y Avg
24.31%
5Y Avg
23.36%
Market Cap
$1.85B
EBITDA Margin
32.58%
TTM Avg
34.27%
3Y Avg
35.89%
5Y Avg
38.17%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Bank First Corporation (BFC) | $1.70B | 39.00% | 37.82% | 39.89% | 43.31% |
| Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 (ATLCZ)vs › | $1.66B | 24.08% | 27.68% | 33.19% | 35.49% |
| ConnectOne Bancorp, Inc. (CNOBP)vs › | $1.66B | 20.90% | 20.19% | 27.61% | 32.94% |
| Atlanticus Holdings Corporation (ATLCP)vs › | $1.63B | 24.08% | 27.68% | 33.19% | 35.49% |
| EZCORP, Inc. (EZPW)vs › | $1.79B | 14.26% | 13.39% | 12.68% | 11.54% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.56B | -56.74% | 26.01% | -294.88% | -199.26% |
| Pathward Financial, Inc. (CASH)vs › | $1.55B | 41.27% | 41.30% | 41.20% | 40.58% |
| FirstSun Capital Bancorp (FSUN)vs › | $1.84B | 23.36% | 21.42% | 24.31% | 23.36% |
| German American Bancorp, Inc. (GABC)vs › | $1.85B | 32.58% | 34.27% | 35.89% | 38.17% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.53B | 20.90% | 20.19% | 27.61% | 32.94% |
EBITDA Margin
39.0%
Operating Margin
34.5%
Net Margin
27.8%
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 | 36.61% |
| 2026-03-31 | 33.20% |
| 2025-12-31 | 40.30% |
| 2025-09-30 | 40.45% |
| 2025-06-30 | 38.51% |
| 2025-03-31 | 39.72% |
| 2024-12-31 | 40.67% |
| 2024-09-30 | 39.18% |
| 2024-06-30 | 40.25% |
| 2024-03-31 | 36.59% |
| 2023-12-31 | 112.65% |
| 2023-09-30 | 42.82% |
| 2023-06-30 | 43.66% |
| 2023-03-31 | 36.12% |
| 2022-12-31 | 47.28% |
| 2022-09-30 | 43.99% |
| 2022-06-30 | 53.37% |
| 2022-03-31 | 51.15% |
| 2021-12-31 | 52.59% |
| 2021-09-30 | 54.84% |
| 2021-06-30 | 54.86% |
| 2021-03-31 | 54.04% |
| 2020-12-31 | 49.98% |
| 2020-09-30 | 51.94% |
| 2020-06-30 | 38.75% |
| 2020-03-31 | 39.22% |
| 2019-12-31 | 40.23% |
| 2019-09-30 | 32.79% |
| 2019-06-30 | 37.19% |
| 2019-03-31 | 41.44% |
| 2018-12-31 | 36.66% |
| 2018-09-30 | 38.12% |
| 2018-06-30 | 39.05% |
| 2018-03-31 | 46.88% |
| 2017-12-31 | 35.77% |
| 2017-09-30 | 41.92% |
| 2017-06-30 | 50.43% |
| 2017-03-31 | 48.55% |
| 2016-12-31 | 46.07% |
| 2016-09-30 | 47.50% |
| 2016-06-30 | 100.00% |
| 2016-03-31 | 100.00% |
| 2015-12-31 | -82.39% |
| 2015-09-30 | 48.77% |
| 2015-06-30 | 57.24% |
| 2015-03-31 | 100.00% |
| 2014-12-31 | -81.45% |
| 2014-09-30 | 100.00% |
| 2014-06-30 | 45.10% |
| 2014-03-31 | 100.00% |
| 2013-12-31 | -90.88% |
| 2013-09-30 | 100.00% |
| 2013-06-30 | 46.76% |
| 2013-03-31 | 43.74% |
| 2012-12-31 | 21.67% |
| 2011-12-31 | 22.74% |
| 2011-09-30 | 28.95% |
| 2011-06-30 | 24.73% |
| 2011-03-31 | 30.30% |
| 2010-12-31 | 18.01% |
| 2010-09-30 | 25.42% |
| 2010-06-30 | 14.84% |
| 2010-03-31 | 24.35% |
| 2009-12-31 | 12.80% |
| 2009-09-30 | 22.60% |
| 2009-06-30 | 18.81% |
| 2009-03-31 | 13.08% |
| 2008-12-31 | -2.92% |
| 2008-09-30 | 10.45% |
| 2008-06-30 | 12.97% |
| 2008-03-31 | 23.01% |
| 2007-12-31 | 10.59% |
| 2007-09-30 | 19.22% |
| 2007-06-30 | 24.27% |
| 2007-03-31 | 18.16% |
| 2006-12-31 | 16.23% |
| 2006-09-30 | 16.01% |
| 2006-06-30 | 12.04% |
| 2006-03-31 | 23.99% |
| 2005-12-31 | 15.83% |
| 2005-09-30 | 9.43% |
| 2005-06-30 | 30.53% |
| 2005-03-31 | 35.16% |
| 2004-12-31 | 31.59% |
| 2004-09-30 | 36.56% |
| 2004-06-30 | 34.29% |
| 2004-03-31 | 37.17% |
| 2003-12-31 | 30.20% |
| 2003-09-30 | 35.39% |
| 2003-06-30 | 37.02% |
| 2003-03-31 | 31.03% |
| 2002-12-31 | 11.56% |
| 2002-09-30 | 55.57% |
| 2002-06-30 | 56.12% |
| 2002-03-31 | 58.53% |
| 2001-12-31 | 22.72% |
