Embassy Bancorp (EMYB) Interest Coverage Ratio (2010 - 2026)
Embassy Bancorp (EMYB) posted Interest Coverage Ratio of 1.09 for Q1 2026, down 32.77% sequentially from 1.61 in Q4 2025, and up 2.65% YoY from 1.06 in Q1 2025.
Embassy Bancorp (EMYB) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Embassy Bancorp has reported Interest Coverage Ratio for 17 years, with the latest figure at 1.09 in Q1 2026.
- Quarterly Interest Coverage Ratio rose 2.65% year-over-year to 1.09 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 3.56 (up 29.44% YoY) and the FY2025 annual result came in at 1.34, up 11.9% from the prior year.
- Interest Coverage Ratio eased to 1.09 in Q1 2026 per EMYB's latest filing, from 1.61 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 1.61 in Q4 2025 and troughed at 5.03 in Q4 2022.
- A 5-year average of 0.68 and a median of 1.06 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2024: Interest Coverage Ratio sank 76.53% in 2022, then soared 614.18% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 5.03 in 2022, then surged by 102.31% to 0.12 in 2023, then jumped by 614.18% to 0.83 in 2024, then surged by 94.32% to 1.61 in 2025, then plunged by 32.77% to 1.09 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 1.09, 1.61, and 1.09 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.76 Bn | 84.56 Bn | - | - |
| 2 | Pnc Financial Services | 97.50 Bn | 97.50 Bn | - | 2.00 |
| 3 | Us Bancorp | 95.92 Bn | 95.92 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.78 Bn | -144.31 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.01 Bn | -81.30 Bn | - | 1.49 |
| 7 | Nu Holdings | 71.00 Bn | 57.31 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.52 Bn | 61.52 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.66 Bn | 25.94 Bn | - | 1.90 |
| 10 | Embassy Bancorp | 165.52 Mn | -119.55 Mn | - | 1.70 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.10 |
| Mar 31, 2026 | 1.09 |
| Dec 31, 2025 | 1.61 |
| Sep 30, 2025 | 1.09 |
| Jun 30, 2025 | 1.07 |
| Mar 31, 2025 | 1.06 |
| Dec 31, 2024 | 0.83 |
| Sep 30, 2024 | 1.06 |
| Jun 30, 2024 | 1.05 |
| Mar 31, 2024 | 1.05 |
| Dec 31, 2023 | 0.12 |
| Sep 30, 2023 | 1.05 |
| Jun 30, 2023 | 1.06 |
| Mar 31, 2023 | 1.08 |
| Dec 31, 2022 | -5.03 |
| Sep 30, 2022 | 1.08 |
| Jun 30, 2022 | 1.09 |
| Mar 31, 2022 | 1.16 |
| Dec 31, 2021 | -3.00 |
| Sep 30, 2021 | 2.99 |