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 21.23% is 49% below its 5-year average of 41.26%, near the low end of its 5-year range (21.23%–75.18%).
18.58% below its 12-month average of 26.08%.
Reported quarterly EBITDA margin; no daily interpolation. Q3 FY2026 (2026-06-30): 25.36%.
EBITDA MARGIN
21.23%
EBITDA MARGIN AVG TTM
26.08%
EBITDA MARGIN AVG 3Y
35.27%
EBITDA MARGIN AVG 5Y
41.26%
EBITDA MARGIN AVG 10Y
42.46%
EBITDA MARGIN AVG 15Y
42.91%
EBITDA MARGIN AVG 20Y
37.48%
CURRENT VS TTM AVG
-18.58%
CURRENT VS 3Y AVG
-39.80%
CURRENT VS 5Y AVG
-48.55%
CURRENT VS 10Y AVG
-50.00%
CURRENT VS 15Y AVG
-50.53%
CURRENT VS 20Y AVG
-43.35%
Market Cap
$2.58B
EBITDA Margin
15.76%
TTM Avg
14.04%
3Y Avg
9.60%
5Y Avg
6.86%
Market Cap
$2.53B
EBITDA Margin
19.58%
TTM Avg
24.50%
3Y Avg
31.82%
5Y Avg
42.49%
Market Cap
$2.63B
EBITDA Margin
27.79%
TTM Avg
27.06%
3Y Avg
30.18%
5Y Avg
32.73%
Market Cap
$2.49B
EBITDA Margin
27.47%
TTM Avg
26.00%
3Y Avg
29.16%
5Y Avg
32.38%
Market Cap
$2.49B
EBITDA Margin
19.61%
TTM Avg
22.92%
3Y Avg
28.44%
5Y Avg
31.96%
Market Cap
$2.66B
EBITDA Margin
29.08%
TTM Avg
18.88%
3Y Avg
19.60%
5Y Avg
25.49%
Market Cap
$2.48B
EBITDA Margin
13.57%
TTM Avg
6.63%
3Y Avg
16.46%
5Y Avg
22.83%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| WaFd, Inc. (WAFDP) | $2.57B | 21.23% | 26.08% | 35.27% | 41.26% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | 15.76% | 14.04% | 9.60% | 6.86% |
| Merchants Bancorp (MBINM)vs › | $2.53B | 19.58% | 24.50% | 31.82% | 42.49% |
| NBT Bancorp Inc. (NBTB)vs › | $2.63B | 27.79% | 27.06% | 30.18% | 32.73% |
| First Merchants Corporation (FRME)vs › | $2.49B | 27.47% | 26.00% | 29.16% | 32.38% |
| First Bancorp (FBNC)vs › | $2.49B | 28.47% | 25.16% | 31.86% | 34.24% |
| First Busey Corporation (BUSE)vs › | $2.49B | 19.61% | 22.92% | 28.44% | 31.96% |
| Trustmark Corporation (TRMK)vs › | $2.66B | 29.08% | 18.88% | 19.60% | 25.49% |
| Columbia Financial, Inc. (CLBK)vs › | $2.48B | 13.57% | 6.63% | 16.46% | 22.83% |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | -135.44% | -42.42% | 15.56% | 34.37% |
EBITDA Margin
21.2%
Operating Margin
23.6%
Net Margin
18.5%
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 | 25.36% |
| 2026-03-31 | 26.79% |
| 2024-12-31 | 28.96% |
| 2024-03-31 | 75.18% |
| 2023-09-30 | 22.45% |
| 2023-06-30 | 32.86% |
| 2022-12-31 | 41.87% |
| 2022-09-30 | 51.73% |
| 2022-06-30 | 52.46% |
| 2022-03-31 | 51.69% |
| 2021-12-31 | 41.97% |
| 2021-09-30 | 43.86% |
| 2021-03-31 | 52.21% |
| 2020-12-31 | 36.43% |
| 2020-09-30 | 35.10% |
| 2020-06-30 | 43.12% |
| 2019-12-31 | 48.29% |
| 2019-09-30 | 40.92% |
| 2019-06-30 | 38.04% |
| 2019-03-31 | 40.01% |
| 2018-12-31 | 41.05% |
| 2018-09-30 | 44.34% |
| 2018-06-30 | 45.75% |
| 2018-03-31 | 47.25% |
| 2017-12-31 | 49.74% |
| 2017-09-30 | 49.74% |
| 2017-06-30 | 50.28% |
| 2017-03-31 | 47.22% |
| 2016-12-31 | 50.46% |
| 2016-06-30 | 51.35% |
| 2016-03-31 | 48.27% |
| 2015-12-31 | 38.37% |
| 2015-09-30 | 46.22% |
| 2015-06-30 | 48.02% |
| 2015-03-31 | 46.97% |
| 2014-12-31 | 47.12% |
| 2014-09-30 | 49.60% |
| 2014-06-30 | 42.97% |
| 2014-03-31 | 44.88% |
| 2013-12-31 | 48.44% |
| 2013-09-30 | 49.53% |
| 2013-06-30 | 46.35% |
| 2013-03-31 | 44.28% |
| 2012-12-31 | 42.18% |
| 2012-09-30 | 41.76% |
| 2012-06-30 | 38.14% |
| 2012-03-31 | 34.53% |
| 2011-12-31 | 33.69% |
| 2011-09-30 | 30.32% |
| 2011-06-30 | 29.38% |
| 2011-03-31 | 24.55% |
| 2010-12-31 | 23.51% |
| 2010-09-30 | 28.43% |
| 2010-06-30 | 12.34% |
| 2010-03-31 | 27.11% |
| 2009-12-31 | 7.32% |
| 2009-09-30 | 9.12% |
| 2009-06-30 | 7.40% |
| 2009-03-31 | 10.17% |
| 2008-12-31 | 19.09% |
| 2008-09-30 | -31.83% |
| 2008-06-30 | 27.90% |
| 2008-03-31 | 29.45% |
| 2007-12-31 | 30.67% |
| 2007-09-30 | 31.77% |
| 2007-06-30 | 33.42% |
| 2007-03-31 | 34.19% |
| 2006-12-31 | 34.87% |
| 2006-03-31 | 43.12% |
| 2005-12-31 | 44.59% |
| 2005-06-30 | 48.52% |
