Embassy BancorpEMYB -1.23%63 Net Margin % is 30.90% as of Mar. 2026, which is 2% above its 10-year median of 30.36. GuruFocus rates EMYB with a GF Score™ of 63/100 and a GF Value™ of $18.44 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Embassy Bancorp ranks better than 63.79% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Embassy Bancorp's Net Income for the
three
months ended in Mar. 2026 was $3.74 Mil. Embassy Bancorp's Revenue for the
three
months ended in Mar. 2026 was $12.10 Mil. Therefore, Embassy Bancorp's net margin for the quarter that ended in Mar. 2026 was 30.90%.
The historical rank and industry rank for Embassy Bancorp's Net Margin % or its related term are showing as below:
EMYB'
s Net Margin % Range Over the Past 10 Years
Min: 23.55 Med: 30.36 Max: 36.82
Current: 30.89
EMYB's Net Margin % is ranked better than 63.79% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs EMYB: 30.89
Embassy Bancorp (OTCPK:EMYB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Embassy Bancorp Net Margin % Related Terms
Embassy Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Embassy Bancorp's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Embassy Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Embassy Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Embassy Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Embassy Bancorp's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Embassy Bancorp (EMYB) has a Net Margin % of 30.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Embassy Bancorp and its competitors. This is near median its historical median of 30.36. Over the past decade, Embassy Bancorp's Net Margin % has ranged from 23.55 to 36.82. According to the industry distribution chart, Embassy Bancorp ranks #553 out of 1527 companies in the Banks industry, placing it in the top 36.2%.
Is Embassy Bancorp's Net Margin % too high?
Embassy Bancorp's current Net Margin % of 30.90% is near median its 10-year median of 30.36. Over the past 10 years, this metric has ranged from a low of 23.55 to a high of 36.82. The Banks industry median Net Margin % is 26.95. Embassy Bancorp's value of 30.90% is 14.7% above this industry median. Based on the distribution chart, Embassy Bancorp ranks #553 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Embassy Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Embassy Bancorp's Net Margin % compare to MSWV and MNAT?
According to the Banks industry distribution chart, Embassy Bancorp ranks #553 out of 1527 companies for Net Margin %. This puts Embassy Bancorp in the upper half of its industry. The industry median Net Margin % is 26.95. Embassy Bancorp's value of 30.90% is 14.7% above this benchmark. Historically, Embassy Bancorp's own Net Margin % has ranged from 23.55 to 36.82 over the past decade. While the company's 10-year median is 30.36 vs. the industry median of 26.95, Embassy Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Embassy Bancorp's current Net Margin % of 30.90% is 14.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current Net Margin % is 30.90%, which is near median its own 10-year median of 30.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Embassy Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Embassy Bancorp (EMYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.44, compared to a current price of $21.70 — trading 17.7% above its estimated fair value. The current Net Margin % is 30.90%, which is near median its 10-year median of 30.36 and 14.7% above the Banks industry median of 26.95. Embassy Bancorp's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current Net Margin % is 30.90% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Embassy Bancorp (EMYB) Overvalued in 2026?
Based on GuruFocus' analysis, Embassy Bancorp stock appears to be overvalued.
The current stock price of $21.70 is trading 17.7% above its estimated GF Value™ of $18.44.
GuruFocus considers Embassy Bancorp to be Modestly Overvalued.
Key valuation signals for EMYB:
Net Margin %: 30.90% (near median its 10-year median of 30.36)
GF Value™: $18.44 vs. price of $21.70 (17.7% above fair value)
Industry Position: 14.7% above the Banks median (#553 of 1527)
No single metric tells the full story. See the EMYB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Embassy Bancorp Inc acts as an independent community financial services provider. It offers traditional banking and related financial services to individual, business, and government customers. The bank also offers commercial and retail financial services such as savings and demand deposits, commercial loans, consumer loans, residential mortgages, home equity loans, and other financial services. Its other services comprise night depository services, wire transfers, bond coupon redemption, cash management services, and escrow management services among others.
63GF Score
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