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.
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Analysis
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 Set
Peer Comparison
Historic Data
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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% |
API Access
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_KEYimport 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();