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 38.74% is 13% below its 5-year average of 44.69%, near the low end of its 5-year range (31.89%–57.02%).
2.18% below its 12-month average of 39.60%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 41.03%.
EBITDA MARGIN
38.74%
EBITDA MARGIN AVG TTM
39.60%
EBITDA MARGIN AVG 3Y
39.35%
EBITDA MARGIN AVG 5Y
44.69%
EBITDA MARGIN AVG 10Y
47.34%
EBITDA MARGIN AVG 15Y
48.97%
EBITDA MARGIN AVG 20Y
45.97%
CURRENT VS TTM AVG
-2.18%
CURRENT VS 3Y AVG
-1.56%
CURRENT VS 5Y AVG
-13.32%
CURRENT VS 10Y AVG
-18.17%
CURRENT VS 15Y AVG
-20.88%
CURRENT VS 20Y AVG
-15.72%
First Financial Bankshares, Inc.
Market Cap
$4.57B
EBITDA Margin
38.74%
TTM Avg
39.60%
3Y Avg
39.35%
5Y Avg
44.69%
Market Cap
$4.58B
EBITDA Margin
27.99%
TTM Avg
25.14%
3Y Avg
27.61%
5Y Avg
28.45%
Market Cap
$4.65B
EBITDA Margin
17.40%
TTM Avg
16.56%
3Y Avg
19.55%
5Y Avg
22.37%
Market Cap
$4.80B
EBITDA Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.81B
EBITDA Margin
44.11%
TTM Avg
44.91%
3Y Avg
45.62%
5Y Avg
46.14%
Market Cap
$4.30B
EBITDA Margin
51.60%
TTM Avg
51.27%
3Y Avg
53.87%
5Y Avg
52.18%
Market Cap
$4.28B
EBITDA Margin
27.99%
TTM Avg
25.14%
3Y Avg
27.61%
5Y Avg
28.45%
Market Cap
$4.90B
EBITDA Margin
15.42%
TTM Avg
16.77%
3Y Avg
13.40%
5Y Avg
17.09%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Bankshares, Inc. (FFIN) | $4.57B | 38.74% | 39.60% | 39.35% | 44.69% |
| Fulton Financial Corporation (FULTP)vs › | $4.58B | 27.99% | 25.14% | 27.61% | 28.45% |
| TFS Financial Corporation (TFSL)vs › | $4.65B | 17.40% | 16.56% | 19.55% | 22.37% |
| JPMorgan U.S. Tech Leaders ETF (JTEK)vs › | $4.80B | N/A | N/A | N/A | N/A |
| Hamilton Lane Incorporated (HLNE)vs › | $4.81B | 44.11% | 44.91% | 45.62% | 46.14% |
| Bank OZK (OZK)vs › | $4.84B | 37.77% | 37.28% | 43.05% | 45.82% |
| International Bancshares Corporation (IBOC)vs › | $4.30B | 51.60% | 51.27% | 53.87% | 52.18% |
| Fulton Financial Corporation (FULT)vs › | $4.28B | 27.99% | 25.14% | 27.61% | 28.45% |
| Eastern Bankshares, Inc. (EBC)vs › | $4.90B | 15.42% | 16.77% | 13.40% | 17.09% |
| SLM Corporation (SLM)vs › | $4.23B | 32.44% | 29.88% | 28.80% | 38.29% |
EBITDA Margin
38.7%
Operating Margin
38.0%
Net Margin
31.2%
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 | 41.03% |
| 2026-03-31 | 42.50% |
| 2025-12-31 | 41.42% |
| 2025-09-30 | 31.89% |
| 2025-06-30 | 41.18% |
| 2025-03-31 | 40.61% |
| 2024-12-31 | 41.12% |
| 2024-09-30 | 37.35% |
| 2024-06-30 | 36.85% |
| 2024-03-31 | 38.78% |
| 2023-12-31 | 36.88% |
| 2023-09-30 | 39.66% |
| 2023-06-30 | 42.33% |
| 2023-03-31 | 46.08% |
| 2022-12-31 | 50.47% |
| 2022-09-30 | 53.13% |
| 2022-06-30 | 55.68% |
| 2022-03-31 | 54.05% |
| 2021-12-31 | 54.38% |
| 2021-09-30 | 56.11% |
| 2021-06-30 | 57.02% |
| 2021-03-31 | 58.08% |
| 2020-12-31 | 59.05% |
| 2020-09-30 | 52.61% |
| 2020-06-30 | 53.04% |
| 2020-03-31 | 41.84% |
| 2019-12-31 | 49.33% |
| 2019-09-30 | 51.41% |
| 2019-06-30 | 51.12% |
| 2019-03-31 | 49.20% |
| 2018-12-31 | 48.76% |
| 2018-09-30 | 51.38% |
| 2018-06-30 | 50.56% |
| 2018-03-31 | 48.20% |
| 2017-12-31 | 49.19% |
| 2017-09-30 | 49.42% |
| 2017-06-30 | 48.66% |
| 2017-03-31 | 47.49% |
| 2016-12-31 | 47.98% |
| 2016-09-30 | 46.05% |
| 2016-06-30 | 49.25% |
| 2016-03-31 | 47.55% |
| 2015-12-31 | 46.82% |
| 2015-09-30 | 48.64% |
| 2015-06-30 | 51.92% |
| 2015-03-31 | 51.86% |
| 2014-12-31 | 49.86% |
| 2014-09-30 | 50.50% |
| 2014-06-30 | 47.81% |
| 2014-03-31 | 50.48% |
| 2013-12-31 | 49.30% |
| 2013-09-30 | 45.06% |
| 2013-06-30 | 50.02% |
| 2013-03-25 | 51.48% |
| 2012-12-31 | 54.57% |
| 2012-09-30 | 52.76% |
| 2012-06-30 | 51.33% |
| 2012-03-31 | 49.72% |
| 2011-12-31 | 48.20% |
| 2011-09-30 | 48.84% |
| 2011-06-30 | 46.16% |
| 2011-03-31 | 45.03% |
| 2010-12-31 | 43.53% |
| 2010-09-30 | 43.63% |
| 2010-06-30 | 42.02% |
| 2010-03-31 | 42.54% |
| 2009-12-31 | 38.10% |
| 2009-09-30 | 41.80% |
| 2009-06-30 | 41.65% |
| 2009-03-31 | 42.70% |
| 2008-12-31 | 39.21% |
| 2008-09-30 | 39.94% |
| 2008-06-30 | 40.10% |
| 2008-03-31 | 37.69% |
| 2007-12-31 | 34.60% |
| 2007-09-30 | 35.01% |
| 2007-06-30 | 37.11% |
| 2007-03-31 | 34.49% |
| 2006-12-31 | 35.92% |
| 2006-09-30 | 35.85% |
| 2006-06-30 | 38.25% |
| 2006-03-31 | 37.79% |
| 2005-12-31 | 39.56% |
| 2005-09-30 | 42.06% |
| 2005-06-30 | 44.72% |
| 2005-03-31 | 44.58% |
| 2004-09-30 | 44.99% |
| 2004-06-30 | 45.69% |
| 2004-03-31 | 47.85% |
| 2003-12-31 | 44.81% |
| 2003-09-30 | 47.62% |
| 2003-06-30 | 47.22% |
| 2003-03-31 | 43.91% |
| 2002-09-30 | 44.80% |
