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 33.97% is 18% below its 5-year average of 41.38%, near the low end of its 5-year range (29.22%–60.00%).
5.03% below its 12-month average of 35.77%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 35.92%.
EBITDA MARGIN
33.97%
EBITDA MARGIN AVG TTM
35.77%
EBITDA MARGIN AVG 3Y
33.93%
EBITDA MARGIN AVG 5Y
41.38%
EBITDA MARGIN AVG 10Y
38.27%
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-5.03%
CURRENT VS 3Y AVG
+0.11%
CURRENT VS 5Y AVG
-17.90%
CURRENT VS 10Y AVG
-11.25%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Five Star Bancorp
Market Cap
$1.06B
EBITDA Margin
33.97%
TTM Avg
35.77%
3Y Avg
33.93%
5Y Avg
41.38%
Market Cap
$1.05B
EBITDA Margin
21.74%
TTM Avg
19.15%
3Y Avg
2.06%
5Y Avg
12.52%
Market Cap
$1.07B
EBITDA Margin
25.31%
TTM Avg
25.55%
3Y Avg
25.55%
5Y Avg
21.23%
Market Cap
$1.03B
EBITDA Margin
43.33%
TTM Avg
44.29%
3Y Avg
46.19%
5Y Avg
43.01%
Market Cap
$1.03B
EBITDA Margin
28.64%
TTM Avg
29.35%
3Y Avg
34.45%
5Y Avg
35.84%
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
39.21%
TTM Avg
38.86%
3Y Avg
42.99%
5Y Avg
47.26%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Five Star Bancorp (FSBC) | $1.06B | 33.97% | 35.77% | 33.93% | 41.38% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | 21.74% | 19.15% | 2.06% | 12.52% |
| Northeast Bank (NBN)vs › | $1.05B | 38.22% | 37.47% | 36.99% | 46.16% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 25.31% | 25.55% | 25.55% | 21.23% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.03B | 43.33% | 44.29% | 46.19% | 43.01% |
| Mercantile Bank Corporation (MBWM)vs › | $1.03B | 28.64% | 29.35% | 34.45% | 35.84% |
| 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% |
| MetroCity Bankshares, Inc. (MCBS)vs › | $1.01B | 39.21% | 38.86% | 42.99% | 47.26% |
| CNB Financial Corporation (CCNE)vs › | $1.01B | 23.06% | 22.04% | 25.89% | 27.41% |
EBITDA Margin
34.0%
Operating Margin
34.6%
Net Margin
25.9%
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 | 35.92% |
| 2026-03-31 | 36.70% |
| 2025-12-31 | 37.31% |
| 2025-06-30 | 33.15% |
| 2025-03-31 | 32.43% |
| 2024-12-31 | 33.57% |
| 2024-09-30 | 29.22% |
| 2024-06-30 | 31.07% |
| 2024-03-31 | 31.45% |
| 2023-12-31 | 32.47% |
| 2023-09-30 | 35.11% |
| 2023-06-30 | 38.80% |
| 2023-03-31 | 45.67% |
| 2022-12-31 | 49.63% |
| 2022-09-30 | 51.64% |
| 2022-06-30 | 52.36% |
| 2022-03-31 | 56.28% |
| 2021-12-31 | 53.66% |
| 2021-09-30 | 60.00% |
| 2021-06-30 | 51.09% |
| 2021-03-31 | 52.44% |
| 2020-12-31 | 43.31% |
| 2020-09-30 | 47.17% |
| 2020-06-30 | 51.54% |
| 2020-03-31 | 39.51% |
| 2019-12-31 | -1.43% |
| 2019-09-30 | 1387.50% |
| 2019-06-30 | -225.00% |
| 2019-03-31 | 1985.71% |
| 2018-12-31 | 15650.00% |
| 2018-09-30 | 2277.78% |
| 2018-06-30 | -7.49% |
| 2018-03-31 | 21.84% |
| 2017-09-30 | 17.97% |
| 2017-06-30 | 18.52% |
| 2016-12-31 | 8.59% |
| 2016-09-30 | 19.79% |
