Embassy Bancorp, Inc. (EMYB) EBT Margin (2012 - 2026)
Embassy Bancorp's EBT Margin came in at 37.94% for Q2 2026, up 1.58 percentage points from 36.35% a year earlier and up 0.28 percentage points from the prior quarter.
Embassy Bancorp, Inc. (EMYB) EBT Margin (2012 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Embassy Bancorp reported EBT Margin of 37.67%, up 4.15 percentage points year-over-year; for FY2025, it was 36.33%, up 4.55 percentage points from FY2024.
- EBT Margin carries a five-year change of -2.65 percentage points (FY2020 to FY2025).
- Going back by year, EBT Margin was 31.77% in FY2024 (-5.32 pp), 37.09% in FY2023 (-8.14 pp), 45.23% in FY2022 (-0.21 pp) and 45.44% in FY2021 (+6.46 pp).
- The five-year range for quarterly EBT Margin is 31.26% (Q2 2024) to 48.27% (Q4 2022).
- Year-over-year, EBT Margin has increased for six consecutive quarters, with an average year-over-year change of +1.82 percentage points over the last eight quarters.
- The fastest year-over-year change in EBT Margin over five years came in Q3 2025 (a gain of 6.85 percentage points), and the weakest in Q4 2023 (a drop of 12.15 percentage points).
- Business Quant data shows EMYB's EBT Margin at 37.66% (Q1 2026), 35.90% (Q4 2025) and 39.22% (Q3 2025) in the three quarters before Q2 2026.
Peer Comparison
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 | 40.70% |
| Mar 31, 2022 | 44.90% |
| Dec 31, 2021 | 44.37% |
| Sep 30, 2021 | 46.76% |
Embassy Bancorp, Inc. EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=EMYB&period=max&api_key=YOUR_API_KEY
import requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "EMYB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()
const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();