Embassy Bancorp (EMYB) Interest Coverage Ratio (2010 - 2026)
Embassy Bancorp (EMYB) reported Interest Coverage Ratio of 1.65 for Q1 2026, up 10.36% year-over-year from 1.49 in Q1 2025, and up 2.78% on a QoQ basis from 1.6 in Q4 2025.
Embassy Bancorp (EMYB) has 17 years of Interest Coverage Ratio data on file, last reported at 1.65 in Q1 2026.
- Quarterly Interest Coverage Ratio rose 10.36% year-over-year to 1.65 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 1.61 (up 11.75% YoY) and the FY2025 annual result came in at 0.12, up 31.51% from the prior year.
- Interest Coverage Ratio improved to 1.65 in Q1 2026 per EMYB's latest filing, from 1.6 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 7.49 in Q3 2022 and bottomed at 1.41 in Q2 2024.
- The 5-year median for Interest Coverage Ratio is 1.62 (2025), against an average of 2.79.
- The widest annual swing landed in 2022, when Interest Coverage Ratio grew 24.27%; it then plunged 77.07% in 2023.
- Tracing EMYB's Interest Coverage Ratio over 5 years: stood at 5.4 in 2022, then plunged by 70.88% to 1.57 in 2023, then declined by 8.69% to 1.44 in 2024, then gained by 11.61% to 1.6 in 2025, then increased by 2.78% to 1.65 in 2026.
- Per Business Quant, the three latest EMYB Interest Coverage Ratio figures stand at 1.65 (Q1 2026), 1.6 (Q4 2025), and 1.62 (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | -3.29 |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 2.53 |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 2.21 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 1.32 |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | -36.40 |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 1.88 |
| 10 | Embassy Bancorp | - | - | - | 1.65 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.65 |
| Dec 31, 2025 | 1.60 |
| Sep 30, 2025 | 1.62 |
| Jun 30, 2025 | 1.56 |
| Mar 31, 2025 | 1.49 |
| Dec 31, 2024 | 1.44 |
| Sep 30, 2024 | 1.42 |
| Jun 30, 2024 | 1.41 |
| Mar 31, 2024 | 1.47 |
| Dec 31, 2023 | 1.57 |
| Sep 30, 2023 | 1.72 |
| Jun 30, 2023 | 1.90 |
| Mar 31, 2023 | 2.62 |
| Dec 31, 2022 | 5.40 |
| Sep 30, 2022 | 7.49 |
| Jun 30, 2022 | 6.33 |
| Mar 31, 2022 | 6.74 |
| Dec 31, 2021 | 6.69 |
| Sep 30, 2021 | 6.90 |
| Jun 30, 2021 | 5.97 |
| Mar 31, 2021 | 5.43 |
| Dec 31, 2020 | 4.49 |
| Sep 30, 2020 | 3.94 |
| Jun 30, 2020 | 3.46 |
| Mar 31, 2020 | 2.47 |
| Dec 31, 2019 | 2.50 |
| Sep 30, 2019 | 2.44 |
| Jun 30, 2019 | 2.36 |
| Mar 31, 2019 | 2.43 |
| Dec 31, 2018 | 2.62 |
| Sep 30, 2018 | 2.95 |
| Jun 30, 2018 | 3.18 |
| Mar 31, 2018 | 3.59 |
| Dec 31, 2017 | 3.76 |
| Sep 30, 2017 | 3.87 |
| Jun 30, 2017 | 3.77 |
| Mar 31, 2017 | 3.58 |
| Dec 31, 2016 | 3.52 |
| Sep 30, 2016 | 3.80 |
| Jun 30, 2016 | 3.42 |
| Mar 31, 2016 | 3.51 |
| Dec 31, 2015 | 4.19 |
| Sep 30, 2015 | 4.24 |
| Jun 30, 2015 | 4.07 |
| Mar 31, 2015 | 4.74 |
| Dec 31, 2014 | 4.03 |
| Sep 30, 2014 | 4.10 |
| Jun 30, 2014 | 3.87 |
| Mar 31, 2014 | 3.84 |
| Dec 31, 2013 | 4.38 |
| Sep 30, 2013 | 3.74 |
| Jun 30, 2013 | 3.37 |
| Mar 31, 2013 | 3.04 |
| Dec 31, 2012 | 3.51 |
| Sep 30, 2012 | 3.63 |
| Jun 30, 2012 | 2.53 |
| Mar 31, 2012 | 2.32 |
| Dec 31, 2011 | 2.58 |
| Sep 30, 2011 | 2.72 |
| Jun 30, 2011 | 2.25 |
| Mar 31, 2011 | 2.23 |
| Dec 31, 2010 | 2.63 |
| Sep 30, 2010 | 2.12 |
| Jun 30, 2010 | 1.90 |