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 23.70% is in line with its 4-year average of 25.60%, near the high end of its 4-year range (-33.46%–40.66%).
86.53% above its 12-month average of 12.71%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): -33.46%.
EBITDA MARGIN
23.70%
EBITDA MARGIN AVG TTM
12.71%
EBITDA MARGIN AVG 3Y
21.23%
EBITDA MARGIN AVG 5Y
25.60%
EBITDA MARGIN AVG 10Y
30.78%
EBITDA MARGIN AVG 15Y
30.51%
EBITDA MARGIN AVG 20Y
27.12%
CURRENT VS TTM AVG
+86.53%
CURRENT VS 3Y AVG
+11.66%
CURRENT VS 5Y AVG
-7.41%
CURRENT VS 10Y AVG
-23.00%
CURRENT VS 15Y AVG
-22.32%
CURRENT VS 20Y AVG
-12.61%
Heritage Financial Corporation
Market Cap
$1.15B
EBITDA Margin
23.70%
TTM Avg
12.71%
3Y Avg
21.23%
5Y Avg
25.60%
Market Cap
$1.22B
EBITDA Margin
52.46%
TTM Avg
52.45%
3Y Avg
52.43%
5Y Avg
52.43%
Market Cap
$1.07B
EBITDA Margin
25.31%
TTM Avg
25.55%
3Y Avg
25.55%
5Y Avg
21.23%
Market Cap
$1.05B
EBITDA Margin
21.74%
TTM Avg
19.15%
3Y Avg
2.06%
5Y Avg
12.52%
Market Cap
$1.05B
EBITDA Margin
33.97%
TTM Avg
32.67%
3Y Avg
38.80%
5Y Avg
42.51%
Market Cap
$1.04B
EBITDA Margin
50.39%
TTM Avg
40.71%
3Y Avg
42.47%
5Y Avg
50.65%
Market Cap
$1.03B
EBITDA Margin
43.33%
TTM Avg
44.29%
3Y Avg
46.19%
5Y Avg
43.01%
Market Cap
$1.02B
EBITDA Margin
28.64%
TTM Avg
29.35%
3Y Avg
34.45%
5Y Avg
35.84%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Heritage Financial Corporation (HFWA) | $1.15B | 23.70% | 12.71% | 21.23% | 25.60% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 52.46% | 52.45% | 52.43% | 52.43% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 25.31% | 25.55% | 25.55% | 21.23% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | 21.74% | 19.15% | 2.06% | 12.52% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 33.97% | 32.67% | 38.80% | 42.51% |
| Northeast Bank (NBN)vs › | $1.05B | 38.22% | 37.47% | 36.99% | 46.16% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.04B | 50.39% | 40.71% | 42.47% | 50.65% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.03B | 43.33% | 44.29% | 46.19% | 43.01% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 28.64% | 29.35% | 34.45% | 35.84% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 23.06% | 22.04% | 25.89% | 27.41% |
EBITDA Margin
23.7%
Operating Margin
23.1%
Net Margin
23.2%
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 | -33.46% |
| 2026-03-31 | 23.58% |
| 2025-12-31 | 28.96% |
| 2025-09-30 | 25.77% |
| 2025-06-30 | 18.68% |
| 2025-03-31 | 20.81% |
| 2024-12-31 | 20.89% |
| 2024-09-30 | 16.58% |
| 2024-06-30 | 20.68% |
| 2024-03-31 | 10.98% |
| 2023-12-31 | 11.21% |
| 2023-09-30 | 28.88% |
| 2023-06-30 | 27.70% |
| 2023-03-31 | 34.84% |
| 2022-12-31 | 40.66% |
| 2022-09-30 | 39.89% |
| 2022-06-30 | 39.46% |
| 2020-03-31 | 22.06% |
| 2019-12-31 | 37.32% |
| 2019-09-30 | 34.26% |
| 2019-06-30 | 35.41% |
| 2019-03-31 | 37.61% |
| 2018-12-31 | 38.86% |
| 2018-09-30 | 35.37% |
| 2018-06-30 | 31.64% |
| 2018-03-31 | 27.39% |
| 2017-12-31 | 41.56% |
| 2017-09-30 | 38.33% |
| 2017-06-30 | 40.38% |
| 2017-03-31 | 36.81% |
| 2016-12-31 | 39.24% |
| 2016-09-30 | 41.30% |
| 2016-06-30 | 37.89% |
| 2016-03-31 | 38.54% |
| 2015-12-31 | 38.89% |
| 2015-09-30 | 41.02% |
| 2015-06-30 | 38.87% |
| 2015-03-31 | 41.54% |
| 2014-12-31 | 30.93% |
| 2014-09-30 | 36.16% |
| 2014-06-30 | 24.00% |
| 2014-03-31 | 33.31% |
| 2013-12-31 | 12.94% |
| 2013-09-30 | 30.22% |
| 2013-06-30 | 28.01% |
| 2013-03-31 | 29.18% |
| 2012-12-31 | 31.20% |
| 2012-09-30 | 29.30% |
| 2012-06-30 | 30.27% |
| 2012-03-31 | 35.74% |
| 2011-12-31 | 20.68% |
| 2011-09-30 | 17.58% |
| 2011-06-30 | 13.08% |
| 2011-03-31 | 7.27% |
| 2010-12-31 | 70.19% |
| 2010-09-30 | 20.91% |
| 2010-06-30 | 10.97% |
| 2010-03-31 | 9.46% |
| 2009-12-31 | 6.60% |
| 2009-09-30 | 4.73% |
| 2009-06-30 | 1.80% |
| 2009-03-31 | -4.78% |
| 2008-12-31 | -0.76% |
| 2008-09-30 | 20.51% |
| 2008-06-30 | 18.50% |
| 2008-03-31 | 25.44% |
| 2007-12-31 | 26.12% |
| 2007-09-30 | 27.63% |
| 2007-03-31 | 23.95% |
| 2006-12-31 | 26.05% |
| 2006-09-30 | 28.10% |
| 2006-06-30 | 27.43% |
| 2006-03-31 | 30.24% |
| 2005-12-31 | 31.94% |
| 2005-09-30 | 33.22% |
| 2005-06-30 | 32.68% |
| 2005-03-31 | 35.21% |
| 2004-12-31 | 36.28% |
| 2004-09-30 | 35.67% |
| 2004-06-30 | 34.34% |
| 2004-03-31 | 34.60% |
| 2003-12-31 | 35.79% |
| 2003-09-30 | 37.23% |
| 2003-06-30 | 34.16% |
| 2003-03-31 | 33.10% |
| 2002-12-31 | 35.53% |
| 2002-09-30 | 35.95% |
