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 33.22% is in line with its 5-year average of 31.97%, around the middle of its 5-year range (16.57%–52.98%).
3.81% above its 12-month average of 32.00%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 32.21%.
EBITDA MARGIN
33.22%
EBITDA MARGIN AVG TTM
32.00%
EBITDA MARGIN AVG 3Y
27.95%
EBITDA MARGIN AVG 5Y
31.97%
EBITDA MARGIN AVG 10Y
35.35%
EBITDA MARGIN AVG 15Y
34.39%
EBITDA MARGIN AVG 20Y
31.01%
CURRENT VS TTM AVG
+3.81%
CURRENT VS 3Y AVG
+18.84%
CURRENT VS 5Y AVG
+3.92%
CURRENT VS 10Y AVG
-6.02%
CURRENT VS 15Y AVG
-3.41%
CURRENT VS 20Y AVG
+7.12%
First Financial Corporation
Market Cap
$885.95M
EBITDA Margin
33.22%
TTM Avg
32.00%
3Y Avg
27.95%
5Y Avg
31.97%
Market Cap
$879.69M
EBITDA Margin
-0.61%
TTM Avg
-0.61%
3Y Avg
28.82%
5Y Avg
32.11%
Market Cap
$865.95M
EBITDA Margin
27.91%
TTM Avg
25.84%
3Y Avg
30.10%
5Y Avg
33.10%
Market Cap
$863.64M
EBITDA Margin
-26.52%
TTM Avg
-15.17%
3Y Avg
8.24%
5Y Avg
22.44%
Market Cap
$904.09M
EBITDA Margin
37.09%
TTM Avg
39.06%
3Y Avg
41.30%
5Y Avg
42.86%
Market Cap
$917.74M
EBITDA Margin
18.67%
TTM Avg
18.67%
3Y Avg
18.67%
5Y Avg
18.67%
Market Cap
$848.73M
EBITDA Margin
32.00%
TTM Avg
29.99%
3Y Avg
28.41%
5Y Avg
28.27%
Market Cap
$923.82M
EBITDA Margin
23.68%
TTM Avg
22.74%
3Y Avg
26.29%
5Y Avg
27.38%
Market Cap
$844.49M
EBITDA Margin
77.24%
TTM Avg
40.67%
3Y Avg
27.34%
5Y Avg
25.12%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Corporation (THFF) | $885.95M | 33.22% | 32.00% | 27.95% | 31.97% |
| Lufax Holding Ltd (LU)vs › | $879.69M | -0.61% | -0.61% | 28.82% | 32.11% |
| Great Southern Bancorp, Inc. (GSBC)vs › | $865.95M | 27.91% | 25.84% | 30.10% | 33.10% |
| Eagle Bancorp, Inc. (EGBN)vs › | $863.64M | -26.52% | -15.17% | 8.24% | 22.44% |
| First Community Bankshares, Inc. (FCBC)vs › | $904.09M | 37.09% | 39.06% | 41.30% | 42.86% |
| Forbright, Inc. Class A Common Stock (FRBT)vs › | $917.74M | 18.67% | 18.67% | 18.67% | 18.67% |
| Capital City Bank Group, Inc. (CCBG)vs › | $848.73M | 32.00% | 29.99% | 28.41% | 28.27% |
| Mid Penn Bancorp, Inc. (MPB)vs › | $923.82M | 23.68% | 22.74% | 26.29% | 27.38% |
| Navient Corporation (NAVI)vs › | $844.49M | 77.24% | 40.67% | 27.34% | 25.12% |
| Prospect Capital Corporation (PSEC)vs › | $919.35M | 51.04% | 51.04% | -3.05% | 30.72% |
EBITDA Margin
33.2%
Operating Margin
28.5%
Net Margin
25.6%
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 | 32.21% |
| 2026-03-31 | 21.97% |
| 2025-12-31 | 42.69% |
| 2025-09-30 | 32.34% |
| 2025-06-30 | 30.79% |
| 2025-03-31 | 32.36% |
| 2024-12-31 | 27.43% |
| 2024-09-30 | 16.57% |
| 2024-06-30 | 21.56% |
| 2024-03-31 | 21.48% |
| 2023-12-31 | 22.47% |
| 2023-09-30 | 29.80% |
| 2023-06-30 | 31.74% |
| 2023-03-31 | 33.04% |
| 2022-12-31 | 32.65% |
| 2022-09-30 | 40.08% |
| 2022-06-30 | 39.06% |
| 2022-03-31 | 52.98% |
| 2021-12-31 | 20.29% |
| 2021-09-30 | 44.05% |
| 2021-06-30 | 45.75% |
| 2021-03-31 | 37.92% |
| 2020-12-31 | 38.31% |
| 2020-09-30 | 35.68% |
| 2020-06-30 | 34.08% |
| 2020-03-31 | 32.87% |
| 2019-12-31 | 36.73% |
| 2019-09-30 | 32.29% |
| 2019-06-30 | 39.06% |
| 2019-03-31 | 32.05% |
| 2018-12-31 | 35.04% |
| 2018-09-30 | 37.27% |
| 2018-06-30 | 45.03% |
| 2018-03-31 | 31.82% |
| 2017-12-31 | 36.44% |
| 2017-09-30 | 35.50% |
| 2017-06-30 | 34.97% |
| 2017-03-31 | 37.35% |
| 2016-12-31 | 36.06% |
| 2016-09-30 | 34.91% |
| 2016-06-30 | 34.81% |
| 2016-03-31 | 51.70% |
| 2015-12-31 | 29.50% |
| 2015-09-30 | 33.75% |
| 2015-06-30 | 28.89% |
| 2015-03-31 | 32.44% |
| 2014-12-31 | 35.76% |
| 2014-09-30 | 33.50% |
| 2014-06-30 | 37.35% |
| 2014-03-31 | 33.22% |
| 2013-12-31 | 36.29% |
| 2013-09-30 | 34.26% |
| 2013-06-30 | 27.42% |
| 2013-03-31 | 31.38% |
| 2012-12-31 | 33.84% |
| 2012-09-30 | 32.20% |
| 2012-06-30 | 33.58% |
| 2012-03-31 | 28.27% |
| 2011-12-31 | 38.35% |
| 2011-09-30 | 37.09% |
| 2011-06-30 | 35.58% |
| 2011-03-31 | 37.28% |
| 2010-12-31 | 33.69% |
| 2010-09-30 | 25.73% |
| 2010-06-30 | 31.50% |
| 2010-03-31 | 22.32% |
| 2009-12-31 | 18.15% |
| 2009-09-30 | 26.17% |
| 2009-06-30 | 17.60% |
| 2009-03-31 | 16.94% |
| 2008-12-31 | 26.46% |
| 2008-09-30 | 17.58% |
| 2008-06-30 | 23.93% |
| 2008-03-31 | 21.95% |
| 2007-12-31 | 20.12% |
| 2007-09-30 | 25.73% |
| 2007-06-30 | 21.48% |
| 2007-03-31 | 21.84% |
| 2006-12-31 | 31.38% |
| 2006-09-30 | 18.39% |
| 2006-06-30 | 22.58% |
| 2006-03-31 | 19.97% |
| 2005-12-31 | 18.21% |
| 2005-09-30 | 23.60% |
| 2005-06-30 | 18.63% |
| 2005-03-31 | 25.19% |
| 2004-12-31 | 22.05% |
| 2004-09-30 | 27.99% |
| 2004-06-30 | 24.35% |
| 2004-03-31 | 32.95% |
| 2003-12-31 | 27.39% |
| 2003-09-30 | 23.65% |
| 2003-06-30 | 24.64% |
| 2003-03-31 | 25.39% |
| 2002-09-30 | 20.90% |
