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 33.58% is in line with its 5-year average of 34.67%, near the high end of its 5-year range (12.57%–41.33%).
3.24% below its 12-month average of 34.70%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 40.50%.
EBITDA MARGIN
33.58%
EBITDA MARGIN AVG TTM
34.70%
EBITDA MARGIN AVG 3Y
33.08%
EBITDA MARGIN AVG 5Y
34.67%
EBITDA MARGIN AVG 10Y
28.68%
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-3.24%
CURRENT VS 3Y AVG
+1.52%
CURRENT VS 5Y AVG
-3.15%
CURRENT VS 10Y AVG
+17.09%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Orange County Bancorp, Inc.
Market Cap
$507.49M
EBITDA Margin
33.58%
TTM Avg
34.70%
3Y Avg
33.08%
5Y Avg
34.67%
Market Cap
$505.26M
EBITDA Margin
24.69%
TTM Avg
21.03%
3Y Avg
27.61%
5Y Avg
34.75%
Market Cap
$494.56M
EBITDA Margin
34.21%
TTM Avg
26.95%
3Y Avg
55.88%
5Y Avg
48.53%
Market Cap
$494.52M
EBITDA Margin
22.15%
TTM Avg
17.18%
3Y Avg
1.17%
5Y Avg
10.65%
Market Cap
$494.26M
EBITDA Margin
28.03%
TTM Avg
30.34%
3Y Avg
35.01%
5Y Avg
36.73%
Market Cap
$487.21M
EBITDA Margin
11.25%
TTM Avg
8.98%
3Y Avg
9.22%
5Y Avg
7.00%
Market Cap
$487.05M
EBITDA Margin
26.18%
TTM Avg
24.12%
3Y Avg
27.46%
5Y Avg
30.31%
Market Cap
$525.31M
EBITDA Margin
25.31%
TTM Avg
17.02%
3Y Avg
25.80%
5Y Avg
26.57%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orange County Bancorp, Inc. (OBT) | $507.49M | 33.58% | 34.70% | 33.08% | 34.67% |
| West Bancorporation, Inc. (WTBA)vs › | $505.26M | 24.69% | 21.03% | 27.61% | 34.75% |
| Private Bancorp of America, Inc. (PBAM)vs › | $494.56M | 34.21% | 26.95% | 55.88% | 48.53% |
| Ponce Financial Group, Inc. (PDLB)vs › | $494.52M | 22.15% | 17.18% | 1.17% | 10.65% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $494.26M | 28.03% | 30.34% | 35.01% | 36.73% |
| Sierra Bancorp (BSRR)vs › | $519.61M | 29.23% | 29.46% | 30.59% | 34.83% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $487.21M | 11.25% | 8.98% | 9.22% | 7.00% |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $487.05M | 26.18% | 24.12% | 27.46% | 30.31% |
| Bankwell Financial Group, Inc. (BWFG)vs › | $525.31M | 25.31% | 17.02% | 25.80% | 26.57% |
| Home Bancorp, Inc. (HBCP)vs › | $527.95M | 29.31% | 26.86% | 29.18% | 32.84% |
EBITDA Margin
33.6%
Operating Margin
34.0%
Net Margin
31.4%
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 | 40.50% |
| 2026-03-31 | 30.46% |
| 2025-12-31 | 35.27% |
| 2025-09-30 | 32.61% |
| 2025-06-30 | 34.68% |
| 2025-03-31 | 32.44% |
| 2024-12-31 | 26.07% |
| 2024-09-30 | 12.57% |
| 2024-06-30 | 29.47% |
| 2024-03-31 | 32.99% |
| 2023-12-31 | 31.66% |
| 2023-09-30 | 35.35% |
| 2023-06-30 | 35.41% |
| 2023-03-31 | 15.23% |
| 2022-12-31 | 41.33% |
| 2022-09-30 | 39.59% |
| 2022-06-30 | 13.73% |
| 2022-03-31 | 35.00% |
| 2021-12-31 | 37.00% |
| 2021-09-30 | 37.34% |
| 2021-06-30 | 36.94% |
| 2021-03-31 | 37.92% |
| 2020-12-31 | 28.88% |
| 2020-09-30 | 24.45% |
| 2020-06-30 | 23.00% |
| 2020-03-31 | 21.13% |
| 2019-12-31 | 24.80% |
| 2019-09-30 | 26.38% |
| 2019-06-30 | 25.52% |
| 2019-03-31 | 21.39% |
| 2018-12-31 | 23.90% |
| 2018-09-30 | 21.01% |
| 2018-06-30 | 17.07% |
| 2018-03-31 | 16.09% |
| 2017-12-31 | 66.14% |
| 2017-09-30 | 66.14% |
| 2017-06-30 | 69.43% |
| 2017-03-31 | 69.43% |
| 2016-12-31 | 81.99% |
| 2016-09-30 | 81.99% |
| 2016-06-30 | 26.58% |
| 2016-03-31 | 26.58% |
| 2015-12-31 | 2.36% |
| 2015-09-30 | 2.36% |
| 2015-06-30 | 4.41% |
| 2015-03-31 | 4.41% |
| 2014-12-31 | 37.65% |
| 2014-09-30 | 37.65% |
| 2014-06-30 | 39.55% |
| 2014-03-31 | 39.55% |
| 2012-12-31 | 42.80% |
