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 38.33% is 18% below its 5-year average of 46.73%, near the low end of its 5-year range (33.84%–66.88%).
0.03% above its 12-month average of 38.32%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.62%.
EBITDA MARGIN
38.33%
EBITDA MARGIN AVG TTM
38.32%
EBITDA MARGIN AVG 3Y
37.82%
EBITDA MARGIN AVG 5Y
46.73%
EBITDA MARGIN AVG 10Y
47.52%
EBITDA MARGIN AVG 15Y
47.49%
EBITDA MARGIN AVG 20Y
44.63%
CURRENT VS TTM AVG
+0.03%
CURRENT VS 3Y AVG
+1.35%
CURRENT VS 5Y AVG
-17.97%
CURRENT VS 10Y AVG
-19.34%
CURRENT VS 15Y AVG
-19.29%
CURRENT VS 20Y AVG
-14.12%
Market Cap
$1.22B
EBITDA Margin
52.46%
TTM Avg
52.45%
3Y Avg
52.43%
5Y Avg
52.43%
Market Cap
$1.29B
EBITDA Margin
30.44%
TTM Avg
33.38%
3Y Avg
36.62%
5Y Avg
33.00%
Market Cap
$1.32B
EBITDA Margin
29.36%
TTM Avg
28.67%
3Y Avg
30.39%
5Y Avg
31.60%
Market Cap
$1.32B
EBITDA Margin
37.36%
TTM Avg
36.77%
3Y Avg
38.05%
5Y Avg
39.27%
Market Cap
$1.32B
EBITDA Margin
24.14%
TTM Avg
24.51%
3Y Avg
30.11%
5Y Avg
30.98%
Market Cap
$1.14B
EBITDA Margin
23.12%
TTM Avg
21.83%
3Y Avg
23.77%
5Y Avg
26.19%
Market Cap
$1.14B
EBITDA Margin
23.70%
TTM Avg
20.59%
3Y Avg
26.74%
5Y Avg
26.74%
Market Cap
$1.38B
EBITDA Margin
59.88%
TTM Avg
61.99%
3Y Avg
65.87%
5Y Avg
64.56%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Preferred Bank (PFBC) | $1.24B | 38.33% | 38.32% | 37.82% | 46.73% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 52.46% | 52.45% | 52.43% | 52.43% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 30.44% | 33.38% | 36.62% | 33.00% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 29.36% | 28.67% | 30.39% | 31.60% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 37.36% | 36.77% | 38.05% | 39.27% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.32B | 24.14% | 24.51% | 30.11% | 30.98% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 23.12% | 21.83% | 23.77% | 26.19% |
| Heritage Financial Corporation (HFWA)vs › | $1.14B | 23.70% | 20.59% | 26.74% | 26.74% |
| Westamerica Bancorporation (WABC)vs › | $1.38B | 59.88% | 61.99% | 65.87% | 64.56% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 32.09% | 30.90% | 33.80% | 36.07% |
EBITDA Margin
38.3%
Operating Margin
38.2%
Net Margin
26.8%
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 | 38.62% |
| 2026-03-31 | 37.23% |
| 2025-12-31 | 38.51% |
| 2025-09-30 | 39.37% |
| 2025-06-30 | 37.86% |
| 2025-03-31 | 36.37% |
| 2024-12-31 | 33.84% |
| 2024-09-30 | 35.78% |
| 2024-06-30 | 36.62% |
| 2024-03-31 | 36.82% |
| 2023-12-31 | 40.87% |
| 2023-09-30 | 41.93% |
| 2023-06-30 | 43.99% |
| 2023-03-31 | 49.69% |
| 2022-12-31 | 56.31% |
| 2022-09-30 | 61.23% |
| 2022-06-30 | 60.57% |
| 2022-03-31 | 64.37% |
| 2021-12-31 | 66.88% |
| 2021-09-30 | 65.87% |
| 2021-06-30 | 58.56% |
| 2021-03-31 | 56.25% |
| 2020-12-31 | 53.68% |
| 2020-09-30 | 43.29% |
| 2020-06-30 | 41.52% |
| 2020-03-31 | 40.89% |
| 2019-12-31 | 49.73% |
| 2019-09-30 | 48.16% |
| 2019-06-30 | 47.80% |
| 2019-03-31 | 47.93% |
| 2018-12-31 | 45.81% |
| 2018-09-30 | 49.52% |
| 2018-06-30 | 50.39% |
| 2018-03-31 | 50.43% |
| 2017-12-31 | 52.89% |
| 2017-09-30 | 53.33% |
| 2017-06-30 | 48.84% |
| 2017-03-31 | 43.96% |
| 2016-12-31 | 46.93% |
| 2016-09-30 | 49.00% |
| 2016-06-30 | 46.71% |
| 2016-03-31 | 47.48% |
| 2015-12-31 | 50.36% |
| 2015-09-30 | 53.05% |
| 2015-06-30 | 52.05% |
| 2015-03-31 | 49.73% |
| 2014-12-31 | 51.70% |
| 2014-09-30 | 50.32% |
| 2014-06-30 | 48.44% |
| 2014-03-31 | 43.35% |
| 2013-12-31 | 47.68% |
| 2013-09-30 | 43.64% |
| 2013-06-30 | 44.74% |
| 2013-03-31 | 42.80% |
| 2012-12-31 | 57.11% |
| 2012-09-30 | 28.69% |
| 2012-06-30 | -53.66% |
| 2012-03-31 | 22.64% |
| 2011-12-31 | 17.44% |
| 2011-09-30 | 15.07% |
| 2011-06-30 | 14.88% |
| 2011-03-31 | 8.56% |
| 2010-12-31 | -101.66% |
| 2010-09-30 | -35.39% |
| 2010-06-30 | -21.14% |
| 2010-03-31 | 23.28% |
| 2009-12-31 | -3435.27% |
| 2009-09-30 | -395.60% |
| 2009-06-30 | -81.65% |
| 2009-03-31 | -11.22% |
| 2008-12-31 | -60.38% |
| 2008-09-30 | -9.26% |
| 2008-06-30 | 2.75% |
| 2008-03-31 | 21.77% |
| 2007-09-30 | 41.74% |
| 2007-03-31 | 40.93% |
| 2006-12-31 | 42.62% |
| 2006-09-30 | 45.90% |
| 2005-12-31 | 45.08% |
| 2005-09-30 | 48.45% |
| 2005-06-30 | 51.29% |
| 2005-03-31 | 49.77% |
| 2004-12-31 | 48.55% |
| 2004-09-30 | 41.77% |
| 2004-06-30 | 41.67% |
| 2004-03-31 | 40.82% |
