Embassy Bancorp (EMYB) Net Margin (2010 - 2026)
Embassy Bancorp's (EMYB) quarterly Net Margin came in at 31.33% in Q2 2026, up 106.0% year-over-year from 15.21% in Q2 2025, and up 1.87% quarter-over-quarter from 30.76% in Q1 2026.
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Embassy Bancorp (EMYB) Net Margin (2010 - 2026) Analysis & Trends
Embassy Bancorp has disclosed Net Margin across 17 years of filings, most recently posting 31.33% for Q2 2026.
- In Q2 2026, Net Margin rose 106.0% year-over-year to 31.33%; the TTM figure through Jun 2026 stood at 29.78% (up 325.0% YoY), while the FY2025 annual figure was 27.92%, up 367.0% from the prior year.
- Net Margin came in at 31.33% for Q2 2026 at Embassy Bancorp, up from 30.76% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 37.47% in Q3 2022 to a low of 20.77% in Q4 2024.
- Average Net Margin over 5 years is 29.79%, with a median of 30.19% recorded in 2023.
- Year-over-year, Net Margin slumped 1107 bps in 2023 and jumped 524 bps in 2025.
- Over 5 years, Net Margin stood at 36.04% in 2022, then plunged by 31 bps to 24.97% in 2023, then retreated by 17 bps to 20.77% in 2024, then rose by 19 bps to 24.68% in 2025, then increased by 27 bps to 31.33% in 2026.
- Per Business Quant data, the three most recent Net Margin figures were 31.33% in Q2 2026, 30.76% in Q1 2026, and 24.68% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 23.30% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 24.18% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 24.27% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 28.79% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 24.18% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 864.86% |
| 10 | Embassy Bancorp | 163.96 Mn | -121.11 Mn | - | 31.33% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 31.33% |
| Mar 31, 2026 | 30.76% |
| Dec 31, 2025 | 24.68% |
| Sep 30, 2025 | 32.31% |
| Jun 30, 2025 | 30.27% |
| Mar 31, 2025 | 27.61% |
| Dec 31, 2024 | 20.77% |
| Sep 30, 2024 | 27.08% |
| Jun 30, 2024 | 25.98% |
| Mar 31, 2024 | 26.83% |
| Dec 31, 2023 | 24.97% |
| Sep 30, 2023 | 30.11% |
| Jun 30, 2023 | 28.52% |
| Mar 31, 2023 | 32.91% |
| Dec 31, 2022 | 36.04% |
| Sep 30, 2022 | 37.47% |
| Jun 30, 2022 | 31.89% |
| Mar 31, 2022 | 36.65% |
| Dec 31, 2021 | 33.14% |
| Sep 30, 2021 | 37.52% |