Embassy Bancorp (EMYB) FCF Margin (2010 - 2026)
Embassy Bancorp (EMYB) posted FCF Margin of 13.51% for Q1 2026, down 143.73% sequentially from 30.9% in Q4 2025, and down 751.0% YoY from 2.08% in Q1 2025.
Embassy Bancorp (EMYB) FCF Margin (2010 - 2026) Analysis & Trends
Embassy Bancorp has reported FCF Margin for 17 years, with the latest figure at 13.51% in Q1 2026.
- Quarterly FCF Margin fell 751.0% year-over-year to 13.51% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 14.69% (down 265.0% YoY) and the FY2025 annual result came in at 50.19%, down 27611.0% from the prior year.
- FCF Margin slipped to 13.51% in Q1 2026 per EMYB's latest filing, from 30.9% in the prior quarter.
- Over five years, FCF Margin peaked at 33.68% in Q4 2022 and troughed at 24.95% in Q1 2022.
- A 5-year average of 2.76% and a median of 7.21% in 2022 frame the typical range for FCF Margin.
- The sharpest annual moves came in 2022 and 2025: FCF Margin tumbled 6193 bps in 2022, then surged 2565 bps in 2025.
- Over 5 years, FCF Margin stood at 33.68% in 2022, then tumbled by 60 bps to 13.33% in 2023, then plunged by 61 bps to 5.24% in 2024, then soared by 489 bps to 30.9% in 2025, then sank by 144 bps to 13.51% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 13.51%, 30.9%, and 11.15% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 121.22 Bn | 85.03 Bn | - | - |
| 2 | Pnc Financial Services | 97.56 Bn | 97.56 Bn | - | 31.23% |
| 3 | Us Bancorp | 95.77 Bn | 95.77 Bn | - | 62.71% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.78 Bn | -144.31 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 71.82 Bn | -81.49 Bn | - | - |
| 7 | Nu Holdings | 71.00 Bn | 57.31 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.57 Bn | 61.57 Bn | - | 18.14% |
| 9 | Fifth Third Bancorp | 49.51 Bn | 25.79 Bn | - | - |
| 10 | Embassy Bancorp | 165.52 Mn | -119.55 Mn | - | 22.33% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -10.18% |
| Mar 31, 2026 | -13.51% |
| Dec 31, 2025 | 30.90% |
| Sep 30, 2025 | -11.15% |
| Jun 30, 2025 | -4.93% |
| Mar 31, 2025 | -6.01% |
| Dec 31, 2024 | 5.24% |
| Sep 30, 2024 | -16.57% |
| Jun 30, 2024 | -0.55% |
| Mar 31, 2024 | -3.35% |
| Dec 31, 2023 | 13.33% |
| Sep 30, 2023 | -8.83% |
| Jun 30, 2023 | -9.00% |
| Mar 31, 2023 | -13.93% |
| Dec 31, 2022 | 33.68% |
| Sep 30, 2022 | -10.17% |
| Jun 30, 2022 | -7.21% |
| Mar 31, 2022 | -24.95% |
| Dec 31, 2021 | 23.58% |
| Sep 30, 2021 | 30.85% |