Embassy Bancorp (EMYB) Net Margin (2014 - 2026)
Embassy Bancorp (EMYB) reported Net Margin of 30.76% for Q1 2026, up 315.0% year-over-year from 7.41% in Q1 2025, and up 4.24% on a QoQ basis from 29.51% in Q4 2025.
Embassy Bancorp (EMYB) has 13 years of Net Margin data on file, last reported at 30.76% in Q1 2026.
- Quarterly Net Margin rose 315.0% year-over-year to 30.76% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 30.71% (up 398.0% YoY) and the FY2025 annual result came in at 29.98%, up 346.0% from the prior year.
- Net Margin advanced to 30.76% in Q1 2026 per EMYB's latest filing, from 29.51% in the prior quarter.
- Across five years, Net Margin topped out at 38.74% in Q4 2022 and bottomed at 25.98% in Q2 2024.
- The 5-year median for Net Margin is 30.11% (2023), against an average of 30.71%.
- The widest annual swing landed in 2023, when Net Margin plunged 996 bps; it then soared 524 bps in 2025.
- Tracing EMYB's Net Margin over 5 years: stood at 38.74% in 2022, then decreased by 26 bps to 28.78% in 2023, then slipped by 9 bps to 26.19% in 2024, then grew by 13 bps to 29.51% in 2025, then rose by 4 bps to 30.76% in 2026.
- Per Business Quant, the three latest EMYB Net Margin figures stand at 30.76% (Q1 2026), 29.51% (Q4 2025), and 32.31% (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 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 | - | 251.45% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 26.97% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | -0.97% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 27.35% |
| 10 | Embassy Bancorp | - | - | - | 30.76% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 30.76% |
| Dec 31, 2025 | 29.51% |
| Sep 30, 2025 | 32.31% |
| Jun 30, 2025 | 30.27% |
| Mar 31, 2025 | 27.61% |
| Dec 31, 2024 | 26.19% |
| Sep 30, 2024 | 27.08% |
| Jun 30, 2024 | 25.98% |
| Mar 31, 2024 | 26.83% |
| Dec 31, 2023 | 28.78% |
| Sep 30, 2023 | 30.11% |
| Jun 30, 2023 | 28.52% |
| Mar 31, 2023 | 32.91% |
| Dec 31, 2022 | 38.74% |
| Sep 30, 2022 | 37.47% |
| Jun 30, 2022 | 32.42% |
| Mar 31, 2022 | 36.65% |
| Dec 31, 2021 | 33.61% |
| Sep 30, 2021 | 37.52% |
| Jun 30, 2021 | 36.79% |
| Mar 31, 2021 | 36.16% |
| Dec 31, 2020 | 33.13% |
| Sep 30, 2020 | 33.05% |
| Jun 30, 2020 | 33.14% |
| Mar 31, 2020 | 27.03% |
| Dec 31, 2019 | 28.91% |
| Sep 30, 2019 | 31.68% |
| Jun 30, 2019 | 29.53% |
| Mar 31, 2019 | 29.03% |
| Dec 31, 2018 | 28.30% |
| Sep 30, 2018 | 30.76% |
| Jun 30, 2018 | 29.52% |
| Mar 31, 2018 | 28.96% |
| Dec 31, 2017 | 23.39% |
| Sep 30, 2017 | 26.38% |
| Jun 30, 2017 | 25.68% |
| Mar 31, 2017 | 24.40% |
| Dec 31, 2016 | 24.16% |
| Sep 30, 2016 | 25.90% |
| Jun 30, 2016 | 23.50% |
| Mar 31, 2016 | 22.81% |
| Dec 31, 2015 | 26.66% |
| Sep 30, 2015 | 26.39% |
| Jun 30, 2015 | 24.76% |
| Mar 31, 2015 | 28.34% |
| Dec 31, 2014 | 25.46% |
| Sep 30, 2014 | 26.55% |