Embassy Bancorp (EMYB) Net Margin (2010 - 2026)
Embassy Bancorp (EMYB) posted Net Margin of 10.85% for Q1 2026, down 144.05% sequentially from 24.63% in Q4 2025, and down 420.0% YoY from 3.39% in Q1 2025.
Embassy Bancorp (EMYB) Net Margin (2010 - 2026) Analysis & Trends
Embassy Bancorp has reported Net Margin for 17 years, with the latest figure at 10.85% in Q1 2026.
- Quarterly Net Margin fell 420.0% year-over-year to 10.85% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 14.39% (down 175.0% YoY) and the FY2025 annual result came in at 52.47%, down 30577.0% from the prior year.
- Net Margin retreated to 10.85% in Q1 2026 per EMYB's latest filing, from 24.63% in the prior quarter.
- Over five years, Net Margin peaked at 32.9% in Q4 2022 and troughed at 21.06% in Q1 2022.
- A 5-year average of 2.04% and a median of 6.65% in 2025 frame the typical range for Net Margin.
- The sharpest annual moves came in 2022 and 2025: Net Margin plunged 5917 bps in 2022, then surged 1724 bps in 2025.
- Over 5 years, Net Margin stood at 32.9% in 2022, then plunged by 57 bps to 14.29% in 2023, then slumped by 48 bps to 7.39% in 2024, then surged by 233 bps to 24.63% in 2025, then slumped by 144 bps to 10.85% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 10.85%, 24.63%, and 10.93% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 25.60% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 23.30% |
| 10 | Embassy Bancorp | 163.89 Mn | -121.18 Mn | - | 31.33% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -14.29% |
| Mar 31, 2026 | -10.85% |
| Dec 31, 2025 | 24.63% |
| Sep 30, 2025 | -10.93% |
| Jun 30, 2025 | -8.59% |
| Mar 31, 2025 | -6.65% |
| Dec 31, 2024 | 7.39% |
| Sep 30, 2024 | -8.16% |
| Jun 30, 2024 | -5.51% |
| Mar 31, 2024 | -5.54% |
| Dec 31, 2023 | 14.29% |
| Sep 30, 2023 | -4.84% |
| Jun 30, 2023 | -6.55% |
| Mar 31, 2023 | -8.15% |
| Dec 31, 2022 | 32.90% |
| Sep 30, 2022 | -7.88% |
| Jun 30, 2022 | -9.09% |
| Mar 31, 2022 | -21.06% |
| Dec 31, 2021 | 28.86% |
| Sep 30, 2021 | 44.65% |