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 26.26% is in line with its 5-year average of 29.12%, near the low end of its 5-year range (-75.10%–823.85%).
306.10% above its 12-month average of 6.47%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): -75.10%.
EBITDA MARGIN
26.26%
EBITDA MARGIN AVG TTM
6.47%
EBITDA MARGIN AVG 3Y
24.57%
EBITDA MARGIN AVG 5Y
29.12%
EBITDA MARGIN AVG 10Y
30.38%
EBITDA MARGIN AVG 15Y
31.28%
EBITDA MARGIN AVG 20Y
29.25%
CURRENT VS TTM AVG
+306.10%
CURRENT VS 3Y AVG
+6.90%
CURRENT VS 5Y AVG
-9.82%
CURRENT VS 10Y AVG
-13.57%
CURRENT VS 15Y AVG
-16.06%
CURRENT VS 20Y AVG
-10.22%
Financial Institutions, Inc.
Market Cap
$780.17M
EBITDA Margin
26.26%
TTM Avg
6.47%
3Y Avg
24.57%
5Y Avg
29.12%
Market Cap
$805.64M
EBITDA Margin
27.66%
TTM Avg
18.82%
3Y Avg
15.07%
5Y Avg
12.12%
Market Cap
$814.04M
EBITDA Margin
12.16%
TTM Avg
11.70%
3Y Avg
15.08%
5Y Avg
20.25%
Market Cap
$739.97M
EBITDA Margin
28.92%
TTM Avg
29.17%
3Y Avg
31.84%
5Y Avg
34.54%
Market Cap
$733.89M
EBITDA Margin
88.86%
TTM Avg
72.81%
3Y Avg
65.88%
5Y Avg
60.44%
Market Cap
$726.78M
EBITDA Margin
18.80%
TTM Avg
3.92%
3Y Avg
15.45%
5Y Avg
23.03%
Market Cap
$726.07M
EBITDA Margin
76.11%
TTM Avg
74.22%
3Y Avg
23007.63%
5Y Avg
15363.33%
Market Cap
$722.62M
EBITDA Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$843.86M
EBITDA Margin
32.00%
TTM Avg
29.99%
3Y Avg
28.41%
5Y Avg
28.27%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Financial Institutions, Inc. (FISI) | $780.17M | 26.26% | 6.47% | 24.57% | 29.12% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 27.66% | 18.82% | 15.07% | 12.12% |
| Alerus Financial Corporation (ALRS)vs › | $814.04M | 12.16% | 11.70% | 15.08% | 20.25% |
| Independent Bank Corporation (IBCP)vs › | $739.97M | 28.92% | 29.17% | 31.84% | 34.54% |
| Carlyle Secured Lending, Inc. (CGBD)vs › | $733.89M | 88.86% | 72.81% | 65.88% | 60.44% |
| Washington Trust Bancorp, Inc. (WASH)vs › | $726.78M | 18.80% | 3.92% | 15.45% | 23.03% |
| Fidus Investment Corporation (FDUS)vs › | $726.07M | 76.11% | 74.22% | 23007.63% | 15363.33% |
| WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs › | $722.62M | N/A | N/A | N/A | N/A |
| Capital City Bank Group, Inc. (CCBG)vs › | $843.86M | 32.00% | 29.99% | 28.41% | 28.27% |
| California BanCorp (BCAL)vs › | $697.98M | 39.47% | 22.96% | 25.24% | 23.06% |
EBITDA Margin
26.3%
Operating Margin
24.2%
Net Margin
26.2%
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 | -75.10% |
| 2026-03-31 | 27.03% |
| 2025-12-31 | 27.11% |
| 2025-09-30 | 28.17% |
| 2025-06-30 | 25.12% |
| 2025-03-31 | 24.76% |
| 2024-12-31 | 823.85% |
| 2024-09-30 | 18.83% |
| 2024-06-30 | 31.39% |
| 2024-03-31 | 5.00% |
| 2023-12-31 | 18.57% |
| 2023-09-30 | 21.76% |
| 2023-06-30 | 22.91% |
| 2023-03-31 | 22.74% |
| 2022-12-31 | 24.12% |
| 2022-09-30 | 32.25% |
| 2022-06-30 | 38.67% |
| 2022-03-31 | 38.47% |
| 2021-12-31 | 46.83% |
| 2021-09-30 | 45.36% |
| 2021-06-30 | 54.18% |
| 2021-03-31 | 52.47% |
| 2020-12-31 | 34.29% |
| 2020-09-30 | 33.03% |
| 2020-06-30 | 31.28% |
| 2020-03-31 | 6.66% |
| 2019-12-31 | 29.64% |
| 2019-09-30 | 35.06% |
| 2019-06-30 | 31.68% |
| 2019-03-31 | 33.04% |
| 2018-12-31 | 22.49% |
| 2018-09-30 | 30.36% |
| 2018-06-30 | 37.03% |
| 2018-03-31 | 30.05% |
| 2017-12-31 | 30.19% |
| 2017-09-30 | 31.69% |
| 2017-06-30 | 26.00% |
| 2017-03-31 | 32.77% |
| 2016-12-31 | 33.86% |
| 2016-09-30 | 35.77% |
| 2016-06-30 | 31.10% |
| 2016-03-31 | 32.17% |
| 2015-12-31 | 28.16% |
| 2015-09-30 | 36.57% |
| 2015-06-30 | 33.00% |
| 2015-03-31 | 33.57% |
| 2014-12-31 | 28.09% |
| 2014-09-30 | 36.44% |
| 2014-06-30 | 35.57% |
| 2014-03-31 | 36.78% |
| 2013-12-31 | 33.46% |
| 2013-09-30 | 33.51% |
| 2013-06-30 | 36.93% |
| 2013-03-31 | 32.75% |
| 2012-12-31 | 33.18% |
| 2012-09-30 | 22.35% |
| 2012-06-30 | 35.90% |
| 2012-03-31 | 35.38% |
| 2011-12-31 | 31.58% |
| 2011-09-30 | 28.42% |
| 2011-06-30 | 33.32% |
| 2011-03-31 | 33.61% |
| 2010-12-31 | 26.50% |
| 2010-09-30 | 29.68% |
| 2010-06-30 | 29.30% |
| 2010-03-31 | 31.92% |
| 2009-12-31 | 30.50% |
| 2009-09-30 | 18.92% |
| 2009-06-30 | 15.71% |
| 2009-03-31 | 18.18% |
| 2008-12-31 | -87.37% |
| 2008-09-30 | -87.46% |
| 2008-06-30 | 7.45% |
| 2008-03-31 | 20.90% |
| 2007-12-31 | 18.19% |
| 2007-09-30 | 24.43% |
| 2007-06-30 | 17.52% |
| 2007-03-31 | 19.69% |
| 2006-12-31 | 16.77% |
| 2006-09-30 | 27.38% |
| 2006-06-30 | 28.07% |
| 2006-03-31 | 21.09% |
| 2005-12-31 | 14.47% |
| 2005-09-30 | 36.26% |
| 2005-06-30 | -50.89% |
| 2005-03-31 | 14.67% |
| 2004-12-31 | -4.43% |
| 2004-09-30 | 27.27% |
| 2004-06-30 | 28.35% |
| 2004-03-31 | 16.32% |
| 2003-12-31 | 10.55% |
| 2003-09-30 | 20.63% |
| 2003-06-30 | 20.40% |
| 2003-03-31 | 23.13% |
| 2002-12-31 | 28.99% |
| 2002-09-30 | 32.70% |
