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 43.33% is in line with its 5-year average of 44.58%, around the middle of its 5-year range (24.36%–56.13%).
1.58% above its 12-month average of 42.65%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.79%.
EBITDA MARGIN
43.33%
EBITDA MARGIN AVG TTM
42.65%
EBITDA MARGIN AVG 3Y
44.43%
EBITDA MARGIN AVG 5Y
44.58%
EBITDA MARGIN AVG 10Y
38.99%
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+1.58%
CURRENT VS 3Y AVG
-2.47%
CURRENT VS 5Y AVG
-2.80%
CURRENT VS 10Y AVG
+11.14%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Esquire Financial Holdings, Inc.
Market Cap
$1.02B
EBITDA Margin
43.33%
TTM Avg
42.65%
3Y Avg
44.43%
5Y Avg
44.58%
Market Cap
$1.02B
EBITDA Margin
28.64%
TTM Avg
29.35%
3Y Avg
34.45%
5Y Avg
35.84%
Market Cap
$1.02B
EBITDA Margin
14.23%
TTM Avg
17.67%
3Y Avg
25.68%
5Y Avg
27.53%
Market Cap
$1.02B
EBITDA Margin
23.06%
TTM Avg
22.04%
3Y Avg
25.89%
5Y Avg
27.41%
Market Cap
$1.01B
EBITDA Margin
23.26%
TTM Avg
21.28%
3Y Avg
23.77%
5Y Avg
25.43%
Market Cap
$1.01B
EBITDA Margin
23.06%
TTM Avg
22.04%
3Y Avg
25.89%
5Y Avg
27.41%
Market Cap
$1.01B
EBITDA Margin
39.21%
TTM Avg
38.86%
3Y Avg
42.99%
5Y Avg
47.26%
Market Cap
$1.04B
EBITDA Margin
50.39%
TTM Avg
40.71%
3Y Avg
42.47%
5Y Avg
50.65%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Esquire Financial Holdings, Inc. (ESQ) | $1.02B | 43.33% | 42.65% | 44.43% | 44.58% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 28.64% | 29.35% | 34.45% | 35.84% |
| OceanFirst Financial Corp. (OCFC)vs › | $1.02B | 14.23% | 17.67% | 25.68% | 27.53% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.06% | 22.04% | 25.89% | 27.41% |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 23.26% | 21.28% | 23.77% | 25.43% |
| CNB Financial Corporation (CCNE)vs › | $1.01B | 23.06% | 22.04% | 25.89% | 27.41% |
| MetroCity Bankshares, Inc. (MCBS)vs › | $1.01B | 39.21% | 38.86% | 42.99% | 47.26% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.04B | 50.39% | 40.71% | 42.47% | 50.65% |
| Northeast Bank (NBN)vs › | $1.04B | 38.22% | 37.47% | 36.99% | 46.16% |
| Horizon Bancorp, Inc. (HBNC)vs › | $996.57M | -181.86% | -85.35% | -28.02% | -4.87% |
EBITDA Margin
43.3%
Operating Margin
40.6%
Net Margin
29.3%
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 | 38.79% |
| 2026-03-31 | 39.78% |
| 2025-12-31 | 50.99% |
| 2025-09-30 | 43.44% |
| 2025-06-30 | 40.28% |
| 2025-03-31 | 43.60% |
| 2024-12-31 | 44.63% |
| 2024-09-30 | 46.42% |
| 2024-06-30 | 45.49% |
| 2024-03-31 | 44.45% |
| 2023-12-31 | 44.52% |
| 2023-09-30 | 45.77% |
| 2023-06-30 | 45.67% |
| 2023-03-31 | 56.13% |
| 2022-12-31 | 50.91% |
| 2022-09-30 | 49.53% |
| 2022-06-30 | 45.81% |
| 2022-03-31 | 44.90% |
| 2021-12-31 | 47.47% |
| 2021-09-30 | 24.36% |
| 2021-06-30 | 41.48% |
| 2021-03-31 | 38.54% |
| 2020-12-31 | 38.68% |
| 2020-09-30 | 39.85% |
| 2020-06-30 | 30.83% |
| 2020-03-31 | 30.82% |
| 2019-12-31 | 42.52% |
| 2019-09-30 | 43.84% |
| 2019-06-30 | 40.16% |
| 2019-03-31 | 40.70% |
| 2018-12-31 | 39.62% |
| 2018-09-30 | 25.42% |
| 2018-06-30 | 35.44% |
| 2018-03-31 | 33.27% |
| 2017-12-31 | 32.59% |
| 2017-09-30 | 29.48% |
| 2017-06-30 | 26.36% |
| 2017-03-31 | 25.32% |
| 2016-12-31 | 21.08% |
| 2016-09-30 | 24.43% |
| 2016-06-30 | 25.12% |
| 2016-03-31 | 23.22% |
| 2015-12-31 | 22.79% |
| 2015-09-30 | 22.79% |
| 2015-06-30 | 15.14% |
| 2015-03-31 | 15.14% |
