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 59.88% is in line with its 5-year average of 64.50%, near the low end of its 5-year range (56.69%–72.45%).
2.46% above its 12-month average of 58.44%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 56.69%.
EBITDA MARGIN
59.88%
EBITDA MARGIN AVG TTM
58.44%
EBITDA MARGIN AVG 3Y
63.38%
EBITDA MARGIN AVG 5Y
64.50%
EBITDA MARGIN AVG 10Y
62.32%
EBITDA MARGIN AVG 15Y
58.02%
EBITDA MARGIN AVG 20Y
55.98%
CURRENT VS TTM AVG
+2.46%
CURRENT VS 3Y AVG
-5.52%
CURRENT VS 5Y AVG
-7.16%
CURRENT VS 10Y AVG
-3.92%
CURRENT VS 15Y AVG
+3.20%
CURRENT VS 20Y AVG
+6.97%
Westamerica Bancorporation
Market Cap
$1.38B
EBITDA Margin
59.88%
TTM Avg
58.44%
3Y Avg
63.38%
5Y Avg
64.50%
Market Cap
$1.38B
EBITDA Margin
32.09%
TTM Avg
30.90%
3Y Avg
33.80%
5Y Avg
36.07%
Market Cap
$1.39B
EBITDA Margin
34.14%
TTM Avg
24.29%
3Y Avg
27.30%
5Y Avg
28.62%
Market Cap
$1.41B
EBITDA Margin
24.08%
TTM Avg
27.68%
3Y Avg
33.19%
5Y Avg
35.49%
Market Cap
$1.41B
EBITDA Margin
11.45%
TTM Avg
9.23%
3Y Avg
4.45%
5Y Avg
2.08%
Market Cap
$1.42B
EBITDA Margin
31.85%
TTM Avg
33.24%
3Y Avg
35.58%
5Y Avg
34.93%
Market Cap
$1.32B
EBITDA Margin
24.14%
TTM Avg
24.51%
3Y Avg
30.11%
5Y Avg
30.98%
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
29.36%
TTM Avg
28.67%
3Y Avg
30.39%
5Y Avg
31.60%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Westamerica Bancorporation (WABC) | $1.38B | 59.88% | 58.44% | 63.38% | 64.50% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 32.09% | 30.90% | 33.80% | 36.07% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.39B | 34.14% | 24.29% | 27.30% | 28.62% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 24.08% | 27.68% | 33.19% | 35.49% |
| United Fire Group, Inc. (UFCS)vs › | $1.41B | 11.45% | 9.23% | 4.45% | 2.08% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.42B | 31.85% | 33.24% | 35.58% | 34.93% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.32B | 24.14% | 24.51% | 30.11% | 30.98% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 37.36% | 36.77% | 38.05% | 39.27% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 29.36% | 28.67% | 30.39% | 31.60% |
| Lakeland Financial Corporation (LKFN)vs › | $1.44B | 30.91% | 29.13% | 33.70% | 39.37% |
EBITDA Margin
59.9%
Operating Margin
56.1%
Net Margin
41.7%
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 | 56.69% |
| 2026-03-31 | 57.21% |
| 2025-12-31 | 58.38% |
| 2025-09-30 | 59.03% |
| 2025-06-30 | 60.90% |
| 2025-03-31 | 62.81% |
| 2024-12-31 | 62.82% |
| 2024-09-30 | 62.95% |
| 2024-06-30 | 64.08% |
| 2024-03-31 | 66.47% |
| 2023-12-31 | 70.53% |
| 2023-09-30 | 71.26% |
| 2023-06-30 | 70.76% |
| 2023-03-31 | 72.45% |
| 2022-12-31 | 71.46% |
| 2022-09-30 | 69.67% |
| 2022-06-30 | 66.08% |
| 2022-03-31 | 64.11% |
| 2021-12-31 | 63.72% |
| 2021-09-30 | 62.24% |
| 2021-06-30 | 60.82% |
| 2021-03-31 | 59.77% |
| 2020-12-31 | 67.55% |
| 2020-09-30 | 63.45% |
| 2020-06-30 | 62.55% |
| 2020-03-31 | 55.26% |
| 2019-12-31 | 62.77% |
| 2019-09-30 | 62.80% |
| 2019-06-30 | 59.54% |
| 2019-03-31 | 59.13% |
| 2018-12-31 | 53.22% |
| 2018-09-30 | 54.00% |
| 2018-06-30 | 68.95% |
| 2018-03-31 | 48.54% |
| 2017-12-31 | 57.80% |
| 2017-09-30 | 60.94% |
| 2017-06-30 | 63.22% |
| 2017-03-31 | 57.00% |
| 2016-12-31 | 56.77% |
| 2016-09-30 | 60.46% |
| 2016-06-30 | 53.30% |
| 2016-03-31 | 50.76% |
| 2015-12-31 | 51.22% |
| 2015-09-30 | 51.75% |
| 2015-06-30 | 49.70% |
| 2015-03-31 | 49.25% |
| 2014-12-31 | 48.54% |
| 2014-09-30 | 52.04% |
| 2014-06-30 | 47.02% |
| 2014-03-31 | 49.19% |
| 2013-12-31 | 48.91% |
| 2013-09-30 | 49.52% |
| 2013-06-30 | 50.51% |
| 2013-03-31 | 48.11% |
| 2012-12-31 | 49.44% |
| 2012-09-30 | 50.06% |
| 2012-06-30 | 50.22% |
| 2012-03-31 | 50.94% |
| 2011-12-31 | 51.71% |
| 2011-09-30 | 51.27% |
| 2011-06-30 | 47.71% |
| 2011-03-31 | 50.93% |
| 2010-12-31 | 52.28% |
| 2010-09-30 | 52.27% |
| 2010-06-30 | 52.20% |
| 2010-03-31 | 51.09% |
| 2009-12-31 | 169.90% |
| 2009-09-30 | 48.29% |
| 2009-06-30 | 43.46% |
| 2009-03-31 | 114.48% |
| 2008-12-31 | 50.79% |
| 2008-09-30 | -31.42% |
| 2008-06-30 | 23.68% |
| 2008-03-31 | 54.37% |
| 2007-12-31 | 42.24% |
| 2007-09-30 | 43.25% |
| 2007-06-30 | 43.83% |
| 2007-03-31 | 45.47% |
| 2006-12-31 | 46.72% |
| 2006-09-30 | 47.01% |
| 2006-06-30 | 46.73% |
| 2006-03-31 | 50.63% |
| 2005-12-31 | 52.94% |
| 2005-09-30 | 53.30% |
| 2005-06-30 | 54.44% |
| 2005-03-31 | 49.20% |
| 2004-12-31 | 50.30% |
| 2004-09-30 | 56.38% |
| 2004-06-30 | 55.49% |
| 2004-03-31 | 54.65% |
| 2003-12-31 | 53.73% |
| 2003-09-30 | 52.84% |
| 2003-06-30 | 52.04% |
| 2003-03-31 | 52.22% |
| 2002-12-31 | 51.67% |
| 2002-09-30 | 50.44% |
