Embassy Bancorp (EMYB) Net Margin (2010 - 2026)
Embassy Bancorp (EMYB) reported Net Margin of 10.85% for Q1 2026, down 420.0% on a YoY basis from 3.39% in Q1 2025, and down 144.05% sequentially from 24.63% in Q4 2025.
Embassy Bancorp (EMYB) Net Margin (2010 - 2026) Analysis & Trends
Embassy Bancorp (EMYB) has 17 years of Net Margin data on file, last reported at 10.85% in Q1 2026.
- For the quarter ending Q1 2026, Net Margin fell 420.0% year-over-year to 10.85%; the trailing twelve-month figure through Mar 2026 stood at 14.39% (down 476.0% YoY), and the FY2025 full-year result was 52.47%, down 30577.0% from the prior year.
- Net Margin retreated to 10.85% in Q1 2026, from 24.63% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 37.82% in Q4 2022 to a low of 21.06% in Q1 2022.
- A 5-year average of 0.23% and a median of 6.65% in 2025 frame the typical range for Net Margin.
- Across the five-year window, Net Margin slumped 5917 bps in 2022 and soared 1291 bps in 2023, its largest moves.
- Tracing EMYB's Net Margin over 5 years: stood at 37.82% in 2022, then declined by 26 bps to 27.95% in 2023, then decreased by 2 bps to 27.37% in 2024, then slipped by 10 bps to 24.63% in 2025, then tumbled by 144 bps to 10.85% in 2026.
- Business Quant data shows EMYB's Net Margin at 10.85% in Q1 2026, 24.63% in Q4 2025, and 10.93% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 43,124.21 Bn | 43,125.44 Bn | -775,612.08 | 401,783.65% |
| 2 | Shinhan Financial | 33,971.34 Bn | 33,973.00 Bn | - | 8,284,010.29% |
| 3 | Bank Of Chile | 4,105.33 Bn | 4,105.33 Bn | 167,623.00 | 0.00% |
| 4 | NatWest | 768.74 Bn | 572.78 Bn | 1.79 Bn | 32.86% |
| 5 | Mizuho Financial | 385.64 Bn | 389.59 Bn | - | 0.38% |
| 6 | Lloyds Banking | 358.14 Bn | 358.14 Bn | - | 27.26% |
| 7 | First Capital | 200.03 Bn | 199.69 Bn | - | 251.63% |
| 8 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 28.90% |
| 9 | Pnc Financial Services | 100.96 Bn | 101.01 Bn | - | 27.35% |
| 10 | Embassy Bancorp | 169.94 Mn | -126.16 Mn | - | -10.85% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 27.37% |
| Sep 30, 2024 | -8.16% |
| Jun 30, 2024 | -5.51% |
| Mar 31, 2024 | -5.54% |
| Dec 31, 2023 | 27.95% |
| Sep 30, 2023 | -4.84% |
| Jun 30, 2023 | -6.55% |
| Mar 31, 2023 | -8.15% |
| Dec 31, 2022 | 37.82% |
| Sep 30, 2022 | -7.88% |
| Jun 30, 2022 | -9.09% |
| Mar 31, 2022 | -21.06% |
| Dec 31, 2021 | 26.93% |
| Sep 30, 2021 | 44.65% |
| Jun 30, 2021 | 38.67% |