Embassy Bancorp, Inc.
EMYB
Rank in Stocks
#17799
Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the... Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.
Share Price
$20.90
Last synced: 2026-11-09
Market Cap
$154.78M
Change (1 day)
0.00%
Change (1 year)
21.44%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Embassy Bancorp, Inc. (EMYB)
Category
Financial Services
Operating Margin for Embassy Bancorp, Inc. (EMYB)
Operating Margin as of November 2026 TTM: 23.77%
According to Embassy Bancorp, Inc.'s latest financial reports, its current operating margin (TTM) is 23.77%. At the end of 2025 the company had an operating margin of 22.21%.
Operating Margin history for Embassy Bancorp, Inc. from 2008 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 23.77% | 7.02% |
| 2025 | 22.21% | 20.58% |
| 2024 | 18.42% | -28.99% |
| 2023 | 25.94% | -38.06% |
| 2022 | 41.88% | -0.38% |
| 2021 | 42.04% | 24.34% |
| 2020 | 33.81% | 13.15% |
| 2019 | 29.88% | -3.21% |
| 2018 | 30.87% | -7.91% |
| 2017 | 33.52% | 6.21% |
| 2016 | 31.56% | -10.70% |
| 2015 | 35.34% | 7.09% |
| 2014 | 33.00% | 10.89% |
| 2013 | 29.76% | -2.46% |
| 2012 | 30.51% | 3.39% |
| 2011 | 29.51% | 15.05% |
| 2010 | 25.65% | 55.08% |
| 2009 | 16.54% | 91.21% |
| 2008 | 8.65% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.72% |
CN
|
|
| 57.52% | -97.58% |
IT
|
|
| 21.82% | -99.08% |
IN
|
|
| 26.74% | -98.88% |
IN
|
|
| 20.55% | -99.14% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Embassy Bancorp, Inc.'s operating margin
What is Embassy Bancorp, Inc.'s operating margin?
Embassy Bancorp, Inc.'s operating margin is 23.77%, as of Nov 2026.
What was Embassy Bancorp, Inc.'s operating margin in 2025?
In 2025, Embassy Bancorp, Inc.'s operating margin was 22.21%, compared with 18.42% in 2024.
How has Embassy Bancorp, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Embassy Bancorp, Inc.'s operating margin was highest in 2021 (42.04%) and lowest in 2024 (18.42%).
How does Embassy Bancorp, Inc.'s operating margin compare with similar companies?
Embassy Bancorp, Inc.'s operating margin (23.77%) is higher than that of 2 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.