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 13.57% is 33% below its 5-year average of 20.16%, around the middle of its 5-year range (-25.69%–48.11%).
3.55% below its 12-month average of 14.07%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 7.52%.
EBITDA MARGIN
13.57%
EBITDA MARGIN AVG TTM
14.07%
EBITDA MARGIN AVG 3Y
10.85%
EBITDA MARGIN AVG 5Y
20.16%
EBITDA MARGIN AVG 10Y
25.35%
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-3.55%
CURRENT VS 3Y AVG
+25.05%
CURRENT VS 5Y AVG
-32.70%
CURRENT VS 10Y AVG
-46.48%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Columbia Financial, Inc.
Market Cap
$2.48B
EBITDA Margin
13.57%
TTM Avg
14.07%
3Y Avg
10.85%
5Y Avg
20.16%
Market Cap
$2.49B
EBITDA Margin
19.61%
TTM Avg
22.92%
3Y Avg
28.44%
5Y Avg
31.96%
Market Cap
$2.49B
EBITDA Margin
27.47%
TTM Avg
26.00%
3Y Avg
29.16%
5Y Avg
32.38%
Market Cap
$2.44B
EBITDA Margin
-135.44%
TTM Avg
-42.42%
3Y Avg
15.56%
5Y Avg
34.37%
Market Cap
$2.53B
EBITDA Margin
19.58%
TTM Avg
24.50%
3Y Avg
31.82%
5Y Avg
42.49%
Market Cap
$2.39B
EBITDA Margin
19.58%
TTM Avg
24.50%
3Y Avg
31.82%
5Y Avg
42.49%
Market Cap
$2.39B
EBITDA Margin
19.58%
TTM Avg
24.50%
3Y Avg
31.82%
5Y Avg
42.49%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Columbia Financial, Inc. (CLBK) | $2.48B | 13.57% | 14.07% | 10.85% | 20.16% |
| First Busey Corporation (BUSE)vs › | $2.49B | 19.61% | 22.92% | 28.44% | 31.96% |
| First Bancorp (FBNC)vs › | $2.49B | 28.47% | 25.16% | 31.86% | 34.24% |
| First Merchants Corporation (FRME)vs › | $2.49B | 27.47% | 26.00% | 29.16% | 32.38% |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | -135.44% | -42.42% | 15.56% | 34.37% |
| Merchants Bancorp (MBINM)vs › | $2.53B | 19.58% | 24.50% | 31.82% | 42.49% |
| WaFd, Inc. (WAFDP)vs › | $2.57B | 21.23% | 24.23% | 32.47% | 34.56% |
| Merchants Bancorp (MBINL)vs › | $2.39B | 19.58% | 24.50% | 31.82% | 42.49% |
| Merchants Bancorp (MBINN)vs › | $2.39B | 19.58% | 24.50% | 31.82% | 42.49% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | 15.76% | 14.04% | 9.60% | 6.86% |
EBITDA Margin
13.6%
Operating Margin
11.8%
Net Margin
11.5%
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 | 7.52% |
| 2026-03-31 | 18.56% |
| 2025-12-31 | 18.30% |
| 2025-09-30 | 10.02% |
| 2025-06-30 | 15.95% |
| 2025-03-31 | 12.99% |
| 2024-12-31 | -25.69% |
| 2024-09-30 | 8.75% |
| 2024-06-30 | 6.93% |
| 2024-03-31 | 2.02% |
| 2023-12-31 | 9.01% |
| 2023-09-30 | 14.44% |
| 2023-06-30 | 5.75% |
| 2023-03-31 | 28.10% |
| 2022-12-31 | 35.62% |
| 2022-09-30 | 35.76% |
| 2022-06-30 | 42.45% |
| 2022-03-31 | 40.37% |
| 2021-12-31 | 46.24% |
| 2021-09-30 | 42.25% |
| 2021-06-30 | 48.11% |
| 2021-03-31 | 41.77% |
| 2020-12-31 | 35.35% |
| 2020-09-30 | 29.06% |
| 2020-06-30 | 26.90% |
| 2020-03-31 | 14.62% |
| 2019-12-31 | 23.99% |
| 2019-09-30 | 27.94% |
| 2019-06-30 | 24.14% |
| 2019-03-31 | 28.27% |
| 2018-12-31 | 27.79% |
| 2018-09-30 | 29.73% |
| 2018-06-30 | -27.99% |
| 2018-03-31 | 29.59% |
| 2017-12-31 | 25.18% |
| 2017-09-30 | 19.53% |
| 2017-06-30 | 41.77% |
| 2017-03-31 | 31.58% |
| 2016-12-31 | 31.75% |
