Embassy Bancorp (EMYB) Asset Utilization Ratio (2011 - 2026)
Embassy Bancorp (EMYB) posted Asset Utilization Ratio of 0.05 for Q1 2026, up 10.04% sequentially from 0.06 in Q4 2025, and down 7.89% YoY from 0.06 in Q1 2025.
Embassy Bancorp (EMYB) Asset Utilization Ratio (2011 - 2026) Analysis & Trends
Embassy Bancorp has reported Asset Utilization Ratio for 16 years, with the latest figure at 0.05 in Q1 2026.
- Quarterly Asset Utilization Ratio fell 7.89% year-over-year to 0.05 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.05 (down 7.89% YoY) and the FY2025 annual result came in at 0.01, up 726.29% from the prior year.
- Asset Utilization Ratio advanced to 0.05 in Q1 2026 per EMYB's latest filing, from 0.06 in the prior quarter.
- Over five years, Asset Utilization Ratio peaked at 0.01 in Q1 2022 and troughed at 0.08 in Q3 2023.
- A 5-year average of 0.06 and a median of 0.06 in 2024 frame the typical range for Asset Utilization Ratio.
- The sharpest annual moves came in 2023 and 2025: Asset Utilization Ratio tumbled 1025.59% in 2023, then jumped 42.6% in 2025.
- Over 5 years, Asset Utilization Ratio stood at 0.07 in 2022, then retreated by 24.69% to 0.08 in 2023, then soared by 37.08% to 0.05 in 2024, then dropped by 15.35% to 0.06 in 2025, then increased by 10.04% to 0.05 in 2026.
- According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.05, 0.06, and 0.05 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 0.04 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 0.04 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.02 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 0.02 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | 0.23 |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 0.04 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 0.04 |
| 10 | Embassy Bancorp | 165.52 Mn | -119.55 Mn | - | 0.03 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -0.05 |
| Mar 31, 2026 | -0.05 |
| Dec 31, 2025 | -0.06 |
| Sep 30, 2025 | -0.05 |
| Jun 30, 2025 | -0.05 |
| Mar 31, 2025 | -0.05 |
| Dec 31, 2024 | -0.05 |
| Sep 30, 2024 | -0.06 |
| Jun 30, 2024 | -0.08 |
| Mar 31, 2024 | -0.08 |
| Dec 31, 2023 | -0.08 |
| Sep 30, 2023 | -0.08 |
| Jun 30, 2023 | -0.08 |
| Mar 31, 2023 | -0.08 |
| Dec 31, 2022 | -0.07 |
| Sep 30, 2022 | -0.07 |
| Jun 30, 2022 | -0.02 |
| Mar 31, 2022 | 0.01 |
| Dec 31, 2021 | 0.03 |
| Sep 30, 2021 | 0.03 |