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 41.57% is in line with its 5-year average of 42.24%, around the middle of its 5-year range (32.17%–56.11%).
4.80% above its 12-month average of 39.66%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 39.69%.
EBITDA MARGIN
41.57%
EBITDA MARGIN AVG TTM
39.66%
EBITDA MARGIN AVG 3Y
37.28%
EBITDA MARGIN AVG 5Y
42.24%
EBITDA MARGIN AVG 10Y
38.42%
EBITDA MARGIN AVG 15Y
34.56%
EBITDA MARGIN AVG 20Y
28.42%
CURRENT VS TTM AVG
+4.80%
CURRENT VS 3Y AVG
+11.52%
CURRENT VS 5Y AVG
-1.60%
CURRENT VS 10Y AVG
+8.20%
CURRENT VS 15Y AVG
+20.29%
CURRENT VS 20Y AVG
+46.26%
Unity Bancorp, Inc.
Market Cap
$555.36M
EBITDA Margin
41.57%
TTM Avg
39.66%
3Y Avg
37.28%
5Y Avg
42.24%
Market Cap
$555.78M
EBITDA Margin
25.54%
TTM Avg
22.61%
3Y Avg
27.17%
5Y Avg
29.80%
Market Cap
$556.96M
EBITDA Margin
17.95%
TTM Avg
17.48%
3Y Avg
15.09%
5Y Avg
18.14%
Market Cap
$558.75M
EBITDA Margin
29.19%
TTM Avg
18.62%
3Y Avg
27.70%
5Y Avg
35.08%
Market Cap
$560.09M
EBITDA Margin
-49.95%
TTM Avg
28.93%
3Y Avg
-61.21%
5Y Avg
-42.85%
Market Cap
$560.55M
EBITDA Margin
22.19%
TTM Avg
20.19%
3Y Avg
27.30%
5Y Avg
31.28%
Market Cap
$547.79M
EBITDA Margin
36.62%
TTM Avg
31.22%
3Y Avg
28.87%
5Y Avg
31.20%
Market Cap
$567.53M
EBITDA Margin
-337.58%
TTM Avg
-215.52%
3Y Avg
-238.57%
5Y Avg
-238.57%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Unity Bancorp, Inc. (UNTY) | $555.36M | 41.57% | 39.66% | 37.28% | 42.24% |
| Civista Bancshares, Inc. (CIVB)vs › | $555.78M | 25.54% | 22.61% | 27.17% | 29.80% |
| Investors Title Company (ITIC)vs › | $556.96M | 17.95% | 17.48% | 15.09% | 18.14% |
| Community West Bancshares (CWBC)vs › | $558.75M | 29.19% | 18.62% | 27.70% | 35.08% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $560.09M | -49.95% | 28.93% | -61.21% | -42.85% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 22.19% | 20.19% | 27.30% | 31.28% |
| Northrim BanCorp, Inc. (NRIM)vs › | $547.79M | 36.62% | 31.22% | 28.87% | 31.20% |
| Gemini Space Station, Inc. (GEMI)vs › | $567.53M | -337.58% | -215.52% | -238.57% | -238.57% |
| Stewards Inc. (SWRD)vs › | $543.67M | N/A | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWB)vs › | $568.44M | 22.19% | 20.19% | 27.30% | 31.28% |
EBITDA Margin
41.6%
Operating Margin
37.0%
Net Margin
28.0%
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 | 39.69% |
| 2026-03-31 | 40.65% |
| 2025-12-31 | 41.79% |
| 2025-09-30 | 32.72% |
| 2025-06-30 | 43.48% |
| 2025-03-31 | 37.55% |
| 2024-12-31 | 36.52% |
| 2024-09-30 | 36.87% |
| 2024-06-30 | 32.17% |
| 2024-03-31 | 33.64% |
| 2023-12-31 | 33.44% |
| 2023-09-30 | 37.27% |
| 2023-06-30 | 38.81% |
| 2022-12-31 | 44.44% |
| 2022-09-30 | 51.39% |
| 2022-06-30 | 52.63% |
| 2022-03-31 | 53.35% |
| 2021-12-31 | 55.29% |
| 2021-09-30 | 56.11% |
| 2021-06-30 | 47.09% |
| 2021-03-31 | 49.20% |
| 2020-12-31 | 44.09% |
| 2020-09-30 | 36.58% |
| 2020-06-30 | 33.28% |
| 2020-03-31 | 33.42% |
| 2019-12-31 | 40.38% |
| 2019-09-30 | 38.09% |
| 2019-06-30 | 38.58% |
| 2019-03-31 | 36.16% |
| 2018-12-31 | 39.67% |
| 2018-09-30 | 36.13% |
| 2018-06-30 | 39.01% |
| 2018-03-31 | 38.26% |
| 2017-12-31 | 38.52% |
| 2017-09-30 | 37.68% |
| 2017-06-30 | 38.19% |
| 2017-03-31 | 35.85% |
| 2016-12-31 | 34.31% |
| 2016-09-30 | 33.67% |
| 2016-06-30 | 34.54% |
| 2016-03-31 | 51.53% |
| 2015-12-31 | 30.90% |
| 2015-09-30 | 31.07% |
| 2015-06-30 | 31.34% |
| 2015-03-31 | 27.11% |
| 2014-12-31 | 27.36% |
| 2014-09-30 | 26.32% |
| 2014-06-30 | 22.94% |
| 2014-03-31 | 22.30% |
| 2013-12-31 | 21.76% |
| 2013-09-30 | 22.60% |
| 2013-06-30 | 23.66% |
| 2013-03-31 | 20.74% |
| 2012-12-31 | 22.06% |
| 2012-09-30 | 20.83% |
| 2012-06-30 | 17.54% |
| 2012-03-31 | 15.43% |
| 2011-12-31 | 12.43% |
| 2011-09-30 | 13.53% |
| 2011-06-30 | 11.51% |
| 2011-03-31 | 3.25% |
| 2010-12-31 | 3.04% |
| 2010-09-30 | 10.67% |
| 2010-06-30 | 9.79% |
| 2010-03-31 | 10.05% |
| 2009-12-31 | 0.64% |
| 2009-09-30 | -5.83% |
| 2009-06-30 | -10.30% |
| 2009-03-31 | 10.73% |
| 2008-12-31 | 1.92% |
| 2008-09-30 | -5.55% |
| 2008-03-31 | 15.21% |
| 2007-12-31 | 9.42% |
| 2007-09-30 | 12.85% |
| 2007-06-30 | 17.28% |
| 2007-03-31 | 17.30% |
| 2006-09-30 | 22.38% |
| 2006-06-30 | 20.58% |
| 2006-03-31 | 23.53% |
| 2005-12-31 | 24.15% |
| 2005-09-30 | 25.86% |
| 2005-06-30 | 27.90% |
| 2005-03-31 | 26.43% |
| 2004-12-31 | 25.99% |
| 2004-09-30 | 31.60% |
| 2004-06-30 | 27.24% |
| 2004-03-31 | 26.53% |
| 2003-12-31 | 19.74% |
| 2003-09-30 | 27.31% |
| 2003-06-30 | 26.02% |
| 2003-03-31 | 25.26% |
| 2002-12-31 | 23.46% |
| 2002-09-30 | 22.44% |
