Embassy Bancorp, Inc. (EMYB) Net Margin (2012 - 2026)
Embassy Bancorp (EMYB) posted Net Margin of 31.33% for Q2 2026, up 1.06 percentage points from 30.27% a year earlier and up 0.58 percentage points from the prior quarter.
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Embassy Bancorp, Inc. (EMYB) Net Margin (2012 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Net Margin at Embassy Bancorp was 30.97%, up 3.12 percentage points year-over-year; for FY2025, it was 29.98%, up 3.46 percentage points from FY2024.
- Annual Net Margin shows a five-year change of -1.76 percentage points (FY2020 to FY2025).
- In prior years, Embassy Bancorp's Net Margin was 26.52% in FY2024 (-3.86 pp), 30.37% in FY2023 (-6.03 pp), 36.41% in FY2022 (-0.17 pp) and 36.58% in FY2021 (+4.84 pp).
- Quarterly Net Margin has run from a low of 25.98% in Q2 2024 to a high of 38.74% in Q4 2022 over five years.
- On a year-over-year basis, Net Margin has increased in each of the last six quarters, with an average year-over-year change of +1.41 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Net Margin in the past five years was Q3 2025, with a gain of 5.24 percentage points; the weakest was Q4 2023, with a drop of 9.08 percentage points.
- According to Business Quant data, Net Margin for the three prior quarters was 30.76% (Q1 2026), 29.51% (Q4 2025) and 32.31% (Q3 2025).
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 31.33% |
| 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 | 29.67% |
| 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 | 35.81% |
| Sep 30, 2021 | 37.52% |
API Access
Embassy Bancorp, Inc. Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "EMYB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();