Embassy Bancorp (EMYB) FCF Margin (2010 - 2026)

Embassy Bancorp has disclosed FCF Margin across 17 years of filings, most recently posting 22.33% for Q2 2026.

• In Q2 2026, FCF Margin rose 498.0% year-over-year to 22.33%; the TTM figure through Jun 2026 stood at 30.94% (up 246.0% YoY), while the FY2025 annual figure was 26.71%, up 333.0% from the prior year.
• FCF Margin came in at 22.33% for Q2 2026 at Embassy Bancorp, down from 38.3% in the prior quarter.
• In the past five years, FCF Margin ranged from a high of 56.2% in Q1 2023 to a low of 2.58% in Q2 2024.
• Average FCF Margin over 5 years is 32.95%, with a median of 31.96% recorded in 2025.
• Year-over-year, FCF Margin soared 2242 bps in 2022 and tumbled 4000 bps in 2024.
• Over 5 years, FCF Margin stood at 39.66% in 2022, then tumbled by 32 bps to 26.86% in 2023, then plunged by 31 bps to 18.58% in 2024, then jumped by 67 bps to 30.96% in 2025, then declined by 28 bps to 22.33% in 2026.
• Per Business Quant data, the three most recent FCF Margin figures were 22.33% in Q2 2026, 38.3% in Q1 2026, and 30.96% in Q4 2025.