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 23.12% is in line with its 5-year average of 25.22%, near the low end of its 5-year range (17.77%–37.07%).
2.94% below its 12-month average of 23.82%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 23.79%.
EBITDA MARGIN
23.12%
EBITDA MARGIN AVG TTM
23.82%
EBITDA MARGIN AVG 3Y
21.65%
EBITDA MARGIN AVG 5Y
25.22%
EBITDA MARGIN AVG 10Y
26.27%
EBITDA MARGIN AVG 15Y
26.65%
EBITDA MARGIN AVG 20Y
25.00%
CURRENT VS TTM AVG
-2.94%
CURRENT VS 3Y AVG
+6.80%
CURRENT VS 5Y AVG
-8.34%
CURRENT VS 10Y AVG
-11.99%
CURRENT VS 15Y AVG
-13.23%
CURRENT VS 20Y AVG
-7.54%
Univest Financial Corporation
Market Cap
$1.14B
EBITDA Margin
23.12%
TTM Avg
23.82%
3Y Avg
21.65%
5Y Avg
25.22%
Market Cap
$1.14B
EBITDA Margin
23.70%
TTM Avg
20.59%
3Y Avg
26.74%
5Y Avg
26.74%
Market Cap
$1.06B
EBITDA Margin
25.31%
TTM Avg
25.55%
3Y Avg
25.55%
5Y Avg
21.23%
Market Cap
$1.22B
EBITDA Margin
52.46%
TTM Avg
52.45%
3Y Avg
52.43%
5Y Avg
52.43%
Market Cap
$1.05B
EBITDA Margin
21.74%
TTM Avg
19.15%
3Y Avg
2.06%
5Y Avg
12.52%
Market Cap
$1.04B
EBITDA Margin
33.97%
TTM Avg
32.67%
3Y Avg
38.80%
5Y Avg
42.51%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Univest Financial Corporation (UVSP) | $1.14B | 23.12% | 23.82% | 21.65% | 25.22% |
| Heritage Financial Corporation (HFWA)vs › | $1.14B | 23.70% | 20.59% | 26.74% | 26.74% |
| Trupanion, Inc. (TRUP)vs › | $1.08B | 2.63% | 1.58% | -0.73% | -0.97% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 25.31% | 25.55% | 25.55% | 21.23% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 52.46% | 52.45% | 52.43% | 52.43% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | 21.74% | 19.15% | 2.06% | 12.52% |
| Preferred Bank (PFBC)vs › | $1.24B | 38.33% | 37.05% | 44.57% | 47.52% |
| Five Star Bancorp (FSBC)vs › | $1.04B | 33.97% | 32.67% | 38.80% | 42.51% |
| Northeast Bank (NBN)vs › | $1.04B | 38.22% | 37.47% | 36.99% | 46.16% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 50.39% | 40.71% | 42.47% | 50.65% |
EBITDA Margin
23.1%
Operating Margin
23.6%
Net Margin
18.9%
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 | 23.79% |
| 2026-03-31 | 26.62% |
| 2025-12-31 | 22.30% |
| 2025-09-30 | 25.67% |
| 2025-06-30 | 20.72% |
| 2025-03-31 | 23.07% |
| 2024-12-31 | 18.51% |
| 2024-09-30 | 19.87% |
| 2024-06-30 | 19.51% |
| 2024-03-31 | 24.31% |
| 2023-12-31 | 17.77% |
| 2023-09-30 | 19.19% |
| 2023-06-30 | 20.09% |
| 2023-03-31 | 26.59% |
| 2022-12-31 | 30.74% |
| 2022-09-30 | 31.96% |
| 2022-06-30 | 23.13% |
| 2022-03-31 | 36.65% |
| 2021-09-30 | 36.89% |
| 2021-06-30 | 37.07% |
| 2021-03-31 | 55.66% |
| 2020-12-31 | 46.21% |
| 2020-09-30 | 33.65% |
| 2020-06-30 | 4.43% |
| 2020-03-31 | 2.12% |
| 2019-12-31 | 29.23% |
| 2019-09-30 | 32.12% |
| 2019-06-30 | 30.49% |
| 2019-03-31 | 30.43% |
| 2018-12-31 | 35.79% |
| 2018-09-30 | 30.50% |
| 2018-06-30 | 9.61% |
| 2018-03-31 | 28.90% |
| 2017-12-31 | 26.49% |
| 2017-09-30 | 30.26% |
| 2017-06-30 | 31.29% |
| 2017-03-31 | 29.93% |
| 2016-12-31 | 16.30% |
| 2016-09-30 | -0.68% |
| 2016-06-30 | 21.85% |
| 2016-03-31 | 29.29% |
| 2015-12-31 | 27.70% |
| 2015-09-30 | 30.91% |
| 2015-06-30 | 26.31% |
| 2015-03-31 | 25.55% |
| 2014-12-31 | 26.87% |
| 2014-09-30 | 31.44% |
| 2014-06-30 | 25.63% |
| 2014-03-31 | 28.70% |
| 2013-12-31 | 22.35% |
| 2013-09-30 | 26.65% |
| 2013-06-30 | 25.30% |
| 2013-03-31 | 27.20% |
| 2012-12-31 | 22.69% |
| 2012-09-30 | 30.41% |
| 2012-06-30 | 25.80% |
| 2012-03-31 | 22.89% |
| 2011-12-31 | 26.39% |
| 2011-09-30 | 24.17% |
| 2011-06-30 | 20.94% |
| 2011-03-31 | 18.07% |
| 2010-12-31 | 21.14% |
| 2010-09-30 | 18.03% |
| 2010-06-30 | 16.78% |
| 2010-03-31 | 12.90% |
| 2009-12-31 | 4.34% |
| 2009-09-30 | 11.31% |
| 2009-06-30 | 10.53% |
| 2009-03-31 | 17.23% |
| 2008-12-31 | 19.20% |
| 2008-09-30 | 18.49% |
| 2008-06-30 | 22.10% |
| 2008-03-31 | 26.52% |
| 2007-12-31 | 28.55% |
| 2007-09-30 | 26.29% |
| 2007-06-30 | 24.38% |
| 2007-03-31 | 25.81% |
| 2006-12-31 | 28.63% |
| 2006-09-30 | 28.06% |
| 2006-06-30 | 27.88% |
| 2006-03-31 | 29.91% |
| 2005-12-31 | 33.44% |
| 2005-09-30 | 34.89% |
| 2005-06-30 | 33.25% |
| 2005-03-31 | 32.68% |
| 2004-12-31 | 41.33% |
| 2004-09-30 | 34.60% |
| 2004-06-30 | 33.51% |
| 2004-03-31 | 32.60% |
| 2003-12-31 | 36.80% |
| 2003-09-30 | 35.19% |
| 2003-06-30 | 35.61% |
| 2003-03-31 | 32.95% |
| 2002-12-31 | 35.73% |
| 2002-09-30 | 33.14% |
