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 28.03% is 28% below its 5-year average of 39.16%, near the high end of its 5-year range (-31.11%–47.78%).
19.69% above its 12-month average of 23.42%.
Reported quarterly EBITDA margin; no daily interpolation. Q1 FY2026 (2026-03-31): 36.57%.
EBITDA MARGIN
28.03%
EBITDA MARGIN AVG TTM
23.42%
EBITDA MARGIN AVG 3Y
34.45%
EBITDA MARGIN AVG 5Y
39.16%
EBITDA MARGIN AVG 10Y
36.69%
EBITDA MARGIN AVG 15Y
35.72%
EBITDA MARGIN AVG 20Y
31.22%
CURRENT VS TTM AVG
+19.69%
CURRENT VS 3Y AVG
-18.63%
CURRENT VS 5Y AVG
-28.43%
CURRENT VS 10Y AVG
-23.60%
CURRENT VS 15Y AVG
-21.54%
CURRENT VS 20Y AVG
-10.23%
ChoiceOne Financial Services, Inc.
Market Cap
$494.11M
EBITDA Margin
28.03%
TTM Avg
23.42%
3Y Avg
34.45%
5Y Avg
39.16%
Market Cap
$488.87M
EBITDA Margin
11.25%
TTM Avg
8.98%
3Y Avg
9.22%
5Y Avg
7.00%
Market Cap
$486.98M
EBITDA Margin
26.18%
TTM Avg
24.12%
3Y Avg
27.46%
5Y Avg
30.31%
Market Cap
$474.16M
EBITDA Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$471.79M
EBITDA Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$527.43M
EBITDA Margin
25.31%
TTM Avg
17.02%
3Y Avg
25.80%
5Y Avg
26.57%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| ChoiceOne Financial Services, Inc. (COFS) | $494.11M | 28.03% | 23.42% | 34.45% | 39.16% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $488.87M | 11.25% | 8.98% | 9.22% | 7.00% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $486.98M | 26.18% | 24.12% | 27.46% | 30.31% |
| Churchill Capital Corp XI (CCXI)vs › | $505.73M | N/A | N/A | N/A | N/A |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $474.16M | N/A | N/A | N/A | N/A |
| Sierra Bancorp (BSRR)vs › | $515.19M | 29.23% | 29.46% | 30.59% | 34.83% |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.79M | N/A | N/A | N/A | N/A |
| Bankwell Financial Group, Inc. (BWFG)vs › | $527.43M | 25.31% | 17.02% | 25.80% | 26.57% |
| Bank7 Corp. (BSVN)vs › | $530.89M | 42.17% | 42.59% | 41.11% | 44.68% |
| Citizens & Northern Corporation (CZNC)vs › | $456.87M | 20.11% | 21.00% | 24.01% | 26.28% |
EBITDA Margin
28.0%
Operating Margin
19.2%
Net Margin
30.0%
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.
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 |
|---|---|
| 2026-03-31 | 36.57% |
| 2025-12-31 | 36.56% |
| 2025-09-30 | 38.53% |
| 2025-06-30 | 36.54% |
| 2025-03-31 | -31.11% |
| 2024-12-31 | 33.20% |
| 2024-09-30 | 33.81% |
| 2024-06-30 | 32.90% |
| 2024-03-31 | 30.49% |
| 2023-12-31 | 29.77% |
| 2023-09-30 | 31.16% |
| 2023-06-30 | 34.86% |
| 2023-03-31 | 38.98% |
| 2022-12-31 | 44.73% |
| 2022-09-30 | 45.64% |
| 2022-06-30 | 47.78% |
| 2022-03-31 | 46.07% |
| 2021-12-31 | 45.88% |
| 2021-09-30 | 47.64% |
| 2021-06-30 | 44.59% |
| 2021-03-31 | 47.54% |
| 2020-12-31 | 34.81% |
| 2020-09-30 | 30.78% |
| 2020-06-30 | 38.78% |
| 2020-03-31 | 31.10% |
| 2019-12-31 | 30.93% |
| 2019-09-30 | 20.12% |
| 2019-06-30 | 27.33% |
| 2019-03-31 | 30.20% |
| 2018-12-31 | 30.84% |
| 2018-09-30 | 35.49% |
| 2018-06-30 | 34.57% |
| 2018-03-31 | 33.52% |
| 2017-12-31 | 39.24% |
| 2017-09-30 | 38.15% |
| 2017-06-30 | 38.08% |
| 2017-03-31 | 36.56% |
| 2016-12-31 | 40.97% |
| 2016-09-30 | 41.52% |
| 2016-06-30 | 36.24% |
| 2016-03-31 | 35.14% |
| 2015-12-31 | 34.95% |
| 2015-09-30 | 37.94% |
| 2015-06-30 | 38.22% |
| 2015-03-31 | 39.11% |
| 2014-12-31 | 40.38% |
| 2014-09-30 | 41.62% |
| 2014-06-30 | 39.03% |
| 2014-03-31 | 37.59% |
| 2013-12-31 | 38.87% |
| 2013-09-30 | 36.98% |
| 2013-06-30 | 37.97% |
| 2013-03-31 | 35.41% |
| 2012-12-31 | 31.57% |
| 2012-09-30 | 31.28% |
| 2012-06-30 | 29.25% |
| 2012-03-31 | 27.07% |
| 2011-12-31 | 27.63% |
| 2011-09-30 | 25.00% |
| 2011-06-30 | 24.68% |
| 2011-03-31 | 21.28% |
| 2010-12-31 | 19.86% |
| 2010-09-30 | 21.17% |
| 2010-06-30 | 19.60% |
| 2010-03-31 | 18.14% |
| 2009-12-31 | 5.58% |
| 2009-09-30 | 12.36% |
| 2009-06-30 | 9.87% |
| 2009-03-31 | 18.88% |
| 2008-12-31 | -11.14% |
| 2008-09-30 | 15.08% |
| 2008-06-30 | 17.01% |
| 2008-03-31 | 16.15% |
| 2007-12-31 | 18.44% |
| 2007-09-30 | 14.11% |
| 2007-06-30 | 18.17% |
| 2007-03-31 | 21.21% |
| 2006-12-31 | 15.79% |
| 2006-09-30 | 17.99% |
| 2006-06-30 | 21.58% |
| 2006-03-31 | 22.19% |
| 2005-12-31 | 23.79% |
| 2005-09-30 | 25.75% |
| 2005-06-30 | 26.19% |
| 2005-03-31 | 26.66% |
| 2004-12-31 | 25.27% |
| 2004-09-30 | 24.29% |
| 2004-06-30 | 25.30% |
| 2004-03-31 | 27.88% |
| 2003-12-31 | 26.59% |
| 2003-09-30 | 27.25% |
| 2003-06-30 | 25.10% |
| 2003-03-31 | 24.12% |
| 2002-12-31 | 10.80% |
| 2002-09-30 | 30.86% |
