Embassy Bancorp (EMYB) EBT Margin (2010 - 2026)
Embassy Bancorp's (EMYB) quarterly EBT Margin came in at 37.94% in Q2 2026, up 158.0% year-over-year from 14.7% in Q2 2025, and up 0.74% quarter-over-quarter from 37.66% in Q1 2026.
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Embassy Bancorp (EMYB) EBT Margin (2010 - 2026) Analysis & Trends
Embassy Bancorp has disclosed EBT Margin across 17 years of filings, most recently posting 37.94% for Q2 2026.
- In Q2 2026, EBT Margin rose 158.0% year-over-year to 37.94%; the TTM figure through Jun 2026 stood at 37.67% (up 415.0% YoY), while the FY2025 annual figure was 36.33%, up 455.0% from the prior year.
- EBT Margin came in at 37.94% for Q2 2026 at Embassy Bancorp, up from 37.66% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 48.27% in Q4 2022 to a low of 31.26% in Q2 2024.
- Average EBT Margin over 5 years is 37.53%, with a median of 36.58% recorded in 2025.
- Year-over-year, EBT Margin sank 1215 bps in 2023 and soared 685 bps in 2025.
- Over 5 years, EBT Margin stood at 48.27% in 2022, then declined by 25 bps to 36.12% in 2023, then retreated by 13 bps to 31.48% in 2024, then rose by 14 bps to 35.9% in 2025, then rose by 6 bps to 37.94% in 2026.
- Per Business Quant data, the three most recent EBT Margin figures were 37.94% in Q2 2026, 37.66% in Q1 2026, and 35.9% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 34.47% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 31.64% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 41.98% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 31.58% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 33.07% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 37.65% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 33.08% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 1,204.05% |
| 10 | Embassy Bancorp | 163.96 Mn | -121.11 Mn | - | 37.94% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 37.94% |
| Mar 31, 2026 | 37.66% |
| Dec 31, 2025 | 35.90% |
| Sep 30, 2025 | 39.22% |
| Jun 30, 2025 | 36.35% |
| Mar 31, 2025 | 33.55% |
| Dec 31, 2024 | 31.48% |
| Sep 30, 2024 | 32.38% |
| Jun 30, 2024 | 31.26% |
| Mar 31, 2024 | 31.98% |
| Dec 31, 2023 | 36.12% |
| Sep 30, 2023 | 36.80% |
| Jun 30, 2023 | 34.75% |
| Mar 31, 2023 | 40.32% |
| Dec 31, 2022 | 48.27% |
| Sep 30, 2022 | 46.61% |
| Jun 30, 2022 | 40.04% |
| Mar 31, 2022 | 44.90% |
| Dec 31, 2021 | 44.37% |
| Sep 30, 2021 | 46.76% |