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 32.58% is 18% below its 5-year average of 39.84%, around the middle of its 5-year range (15.38%–56.94%).
18.11% below its 12-month average of 39.79%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 41.63%.
EBITDA MARGIN
32.58%
EBITDA MARGIN AVG TTM
39.79%
EBITDA MARGIN AVG 3Y
36.49%
EBITDA MARGIN AVG 5Y
39.84%
EBITDA MARGIN AVG 10Y
38.92%
EBITDA MARGIN AVG 15Y
39.23%
EBITDA MARGIN AVG 20Y
35.36%
CURRENT VS TTM AVG
-18.11%
CURRENT VS 3Y AVG
-10.72%
CURRENT VS 5Y AVG
-18.22%
CURRENT VS 10Y AVG
-16.29%
CURRENT VS 15Y AVG
-16.95%
CURRENT VS 20Y AVG
-7.86%
German American Bancorp, Inc.
Market Cap
$1.85B
EBITDA Margin
32.58%
TTM Avg
39.79%
3Y Avg
36.49%
5Y Avg
39.84%
Market Cap
$1.84B
EBITDA Margin
23.36%
TTM Avg
21.42%
3Y Avg
24.31%
5Y Avg
23.36%
Market Cap
$1.89B
EBITDA Margin
9.35%
TTM Avg
6.57%
3Y Avg
6.57%
5Y Avg
6.57%
Market Cap
$1.78B
EBITDA Margin
29.77%
TTM Avg
19.98%
3Y Avg
16.11%
5Y Avg
7.01%
Market Cap
$1.73B
EBITDA Margin
8.65%
TTM Avg
10.98%
3Y Avg
19.19%
5Y Avg
23.99%
Market Cap
$1.73B
EBITDA Margin
23.47%
TTM Avg
23.20%
3Y Avg
16.49%
5Y Avg
15.25%
Market Cap
$1.98B
EBITDA Margin
31.95%
TTM Avg
30.79%
3Y Avg
36.88%
5Y Avg
36.79%
Market Cap
$2.00B
EBITDA Margin
43.67%
TTM Avg
43.08%
3Y Avg
47.03%
5Y Avg
48.49%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| German American Bancorp, Inc. (GABC) | $1.85B | 32.58% | 39.79% | 36.49% | 39.84% |
| FirstSun Capital Bancorp (FSUN)vs › | $1.84B | 23.36% | 21.42% | 24.31% | 23.36% |
| Apex Treasury Corporation Class A (APXT)vs › | $1.89B | 9.35% | 6.57% | 6.57% | 6.57% |
| EZCORP, Inc. (EZPW)vs › | $1.79B | 14.26% | 13.39% | 12.68% | 11.54% |
| Happen, Inc. Common Stock (HAPN)vs › | $1.78B | 29.77% | 19.98% | 16.11% | 7.01% |
| Hope Bancorp, Inc. (HOPE)vs › | $1.73B | 8.65% | 10.98% | 19.19% | 23.99% |
| Goosehead Insurance, Inc (GSHD)vs › | $1.73B | 23.47% | 23.20% | 16.49% | 15.25% |
| Enterprise Financial Services Corp (EFSCP)vs › | $1.98B | 31.95% | 30.79% | 36.88% | 36.79% |
| City Holding Company (CHCO)vs › | $2.00B | 43.67% | 43.08% | 47.03% | 48.49% |
| Bank First Corporation (BFC)vs › | $1.70B | 39.00% | 39.11% | 46.09% | 47.29% |
EBITDA Margin
32.6%
Operating Margin
35.3%
Net Margin
28.2%
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 | 41.63% |
| 2026-03-31 | 37.90% |
| 2025-12-31 | 45.03% |
| 2025-09-30 | 38.66% |
| 2025-06-30 | 35.70% |
| 2025-03-31 | 15.38% |
| 2024-12-31 | 34.19% |
| 2024-09-30 | 31.59% |
| 2024-06-30 | 55.43% |
| 2024-03-31 | 30.35% |
| 2023-12-31 | 33.68% |
| 2023-09-30 | 35.32% |
| 2023-06-30 | 37.35% |
| 2023-03-31 | 36.70% |
| 2022-12-31 | 43.35% |
| 2022-09-30 | 47.04% |
| 2022-06-30 | 46.51% |
| 2022-03-31 | 18.93% |
| 2021-12-31 | 42.24% |
| 2021-09-30 | 48.27% |
| 2021-06-30 | 56.94% |
| 2021-03-31 | 46.92% |
| 2020-12-31 | 46.68% |
| 2020-09-30 | 36.25% |
| 2020-06-30 | 34.42% |
| 2020-03-31 | 29.83% |
| 2019-12-31 | 36.74% |
| 2019-09-30 | 30.80% |
| 2019-06-30 | 39.47% |
| 2019-03-31 | 37.51% |
| 2018-12-31 | 30.12% |
| 2018-09-30 | 40.20% |
| 2018-06-30 | 36.68% |
| 2018-03-31 | 40.11% |
| 2017-12-31 | 37.53% |
| 2017-09-30 | 39.57% |
| 2017-06-30 | 41.06% |
| 2017-03-31 | 41.18% |
| 2016-12-31 | 41.85% |
| 2016-09-30 | 43.94% |
| 2016-06-30 | 43.59% |
| 2016-03-31 | 26.62% |
| 2015-12-31 | 42.48% |
| 2015-09-30 | 39.74% |
| 2015-06-30 | 43.15% |
| 2015-03-31 | 43.21% |
| 2014-12-31 | 45.51% |
| 2014-09-30 | 46.05% |
| 2014-06-30 | 42.21% |
| 2014-03-31 | 39.49% |
| 2013-12-31 | 40.08% |
| 2013-09-30 | 43.44% |
| 2013-06-30 | 44.31% |
| 2013-03-31 | 38.81% |
| 2012-12-31 | 39.49% |
| 2012-09-30 | 40.89% |
| 2012-06-30 | 40.63% |
| 2012-03-31 | 38.27% |
| 2011-12-31 | 32.82% |
| 2011-09-30 | 35.17% |
| 2011-06-30 | 33.81% |
| 2011-03-31 | 28.50% |
| 2010-12-31 | 27.48% |
| 2010-09-30 | 29.10% |
| 2010-06-30 | 28.65% |
| 2010-03-31 | 26.91% |
| 2009-12-31 | 25.82% |
| 2009-09-30 | 26.31% |
| 2009-06-30 | 23.32% |
| 2009-03-31 | 24.64% |
| 2008-12-31 | 25.90% |
| 2008-09-30 | 26.71% |
| 2008-06-30 | 25.77% |
| 2008-03-31 | 23.16% |
| 2007-12-31 | 21.80% |
| 2007-09-30 | 20.34% |
| 2007-06-30 | 20.33% |
| 2007-03-31 | 12.86% |
| 2006-12-31 | 19.79% |
| 2006-09-30 | 21.89% |
| 2006-06-30 | 22.10% |
| 2006-03-31 | 23.79% |
| 2005-12-31 | 24.17% |
| 2005-09-30 | 25.54% |
| 2005-06-30 | 26.94% |
| 2005-03-31 | 25.19% |
| 2004-09-30 | 27.37% |
| 2004-06-30 | 23.19% |
| 2004-03-31 | 24.44% |
| 2003-12-31 | 17.02% |
| 2003-09-30 | 20.76% |
| 2003-06-30 | 26.80% |
| 2003-03-31 | 28.60% |
| 2002-12-31 | 24.29% |
| 2002-09-30 | 28.35% |
