Embassy Bancorp (EMYB) EBT Margin (2010 - 2026)
Embassy Bancorp (EMYB) posted EBT Margin of 13.29% for Q1 2026, down 137.07% sequentially from 35.83% in Q4 2025, and down 520.0% YoY from 3.16% in Q1 2025.
Embassy Bancorp (EMYB) EBT Margin (2010 - 2026) Analysis & Trends
Embassy Bancorp has reported EBT Margin for 17 years, with the latest figure at 13.29% in Q1 2026.
- Quarterly EBT Margin fell 520.0% year-over-year to 13.29% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 18.21% (down 299.0% YoY) and the FY2025 annual result came in at 68.27%, down 37515.0% from the prior year.
- EBT Margin eased to 13.29% in Q1 2026 per EMYB's latest filing, from 35.83% in the prior quarter.
- Over five years, EBT Margin peaked at 40.99% in Q4 2022 and troughed at 25.81% in Q1 2022.
- A 5-year average of 2.07% and a median of 8.09% in 2025 frame the typical range for EBT Margin.
- The sharpest annual moves came in 2022 and 2025: EBT Margin tumbled 7324 bps in 2022, then surged 2695 bps in 2025.
- Over 5 years, EBT Margin stood at 40.99% in 2022, then slumped by 56 bps to 17.93% in 2023, then slumped by 50 bps to 8.89% in 2024, then soared by 303 bps to 35.83% in 2025, then plunged by 137 bps to 13.29% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 13.29%, 35.83%, and 13.26% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 37.61% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 36.74% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 31.64% |
| 10 | Embassy Bancorp | 163.89 Mn | -121.18 Mn | - | 37.94% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -17.30% |
| Mar 31, 2026 | -13.29% |
| Dec 31, 2025 | 35.83% |
| Sep 30, 2025 | -13.26% |
| Jun 30, 2025 | -10.32% |
| Mar 31, 2025 | -8.09% |
| Dec 31, 2024 | 8.89% |
| Sep 30, 2024 | -9.76% |
| Jun 30, 2024 | -6.63% |
| Mar 31, 2024 | -6.60% |
| Dec 31, 2023 | 17.93% |
| Sep 30, 2023 | -5.91% |
| Jun 30, 2023 | -7.98% |
| Mar 31, 2023 | -9.99% |
| Dec 31, 2022 | 40.99% |
| Sep 30, 2022 | -9.81% |
| Jun 30, 2022 | -11.41% |
| Mar 31, 2022 | -25.81% |
| Dec 31, 2021 | 38.10% |
| Sep 30, 2021 | 55.64% |