Embassy Bancorp, Inc. (EMYB) FCF Margin (2010 - 2026)
Embassy Bancorp's FCF Margin came in at 22.33% for Q2 2026, up 4.98 percentage points from 17.35% a year earlier but down 15.97 percentage points from the prior quarter.
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Analysis
Embassy Bancorp, Inc. (EMYB) FCF Margin (2010 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Embassy Bancorp reported FCF Margin of 30.94%, up 2.46 percentage points year-over-year; for FY2025, it was 26.71%, up 3.33 percentage points from FY2024.
- FCF Margin carries a five-year change of -2.16 percentage points (FY2020 to FY2025).
- Going back by year, FCF Margin was 23.38% in FY2024 (-21.48 pp), 44.86% in FY2023 (+5.39 pp), 39.47% in FY2022 (+9.54 pp) and 29.93% in FY2021 (+1.07 pp).
- The five-year range for quarterly FCF Margin is 2.58% (Q2 2024) to 56.20% (Q1 2023).
- Year-over-year, FCF Margin has increased for three consecutive quarters, with an average year-over-year change of +2.99 percentage points over the last eight quarters.
- The fastest year-over-year change in FCF Margin over five years came in Q3 2022 (a gain of 22.42 percentage points), and the weakest in Q1 2024 (a drop of 40.00 percentage points).
- Business Quant data shows EMYB's FCF Margin at 38.30% (Q1 2026), 30.96% (Q4 2025) and 32.96% (Q3 2025) in the three quarters before Q2 2026.
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 22.33% |
| Mar 31, 2026 | 38.30% |
| Dec 31, 2025 | 30.96% |
| Sep 30, 2025 | 32.96% |
| Jun 30, 2025 | 17.35% |
| Mar 31, 2025 | 24.92% |
| Dec 31, 2024 | 18.58% |
| Sep 30, 2024 | 54.99% |
| Jun 30, 2024 | 2.58% |
| Mar 31, 2024 | 16.21% |
| Dec 31, 2023 | 26.86% |
| Sep 30, 2023 | 54.98% |
| Jun 30, 2023 | 39.20% |
| Mar 31, 2023 | 56.20% |
| Dec 31, 2022 | 39.66% |
| Sep 30, 2022 | 48.34% |
| Jun 30, 2022 | 25.70% |
| Mar 31, 2022 | 43.41% |
| Dec 31, 2021 | 27.46% |
| Sep 30, 2021 | 25.93% |
API Access
Embassy Bancorp, Inc. FCF 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=fcf-margin&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-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=fcf-margin&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();