Embassy Bancorp annual return on equity
2011
2012
2013
2014
2015
2016
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2018
2019
2020
2021
2022
2023
2024
2025
Embassy Bancorp Return on Equity (ROE) Growth & History (EMYB)
Embassy Bancorp's return on equity was 11.70% for fiscal 2025.
View full Embassy Bancorp company overviewEmbassy Bancorp annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 11.70% | +1.86 pp |
| 2024 | 2024-12-31 | 9.84% | −3.21 pp |
| 2023 | 2023-12-31 | 13.05% | −3.74 pp |
| 2022 | 2022-12-31 | 16.80% | +2.49 pp |
| 2021 | 2021-12-31 | 14.30% | +2.21 pp |
| 2020 | 2020-12-31 | 12.10% | +0.45 pp |
| 2019 | 2019-12-31 | 11.65% | −0.43 pp |
| 2018 | 2018-12-31 | 12.07% | +2.53 pp |
| 2017 | 2017-12-31 | 9.54% | −0.57 pp |
| 2016 | 2016-12-31 | 10.11% | −1.34 pp |
| 2015 | 2015-12-31 | 11.45% | +0.35 pp |
| 2014 | 2014-12-31 | 11.10% | +0.49 pp |
| 2013 | 2013-12-31 | 10.61% | −1.56 pp |
| 2012 | 2012-12-31 | 12.17% | −0.52 pp |
| 2011 | 2011-12-31 | 12.69% | — |
Embassy Bancorp quarterly return on equity
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Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 3.26% | +0.23 pp |
| Q1 2026 | 2026-03-31 | 2.96% | +0.33 pp |
| Q4 2025 | 2025-12-31 | 2.86% | +0.42 pp |
| Q3 2025 | 2025-09-30 | 3.20% | +0.70 pp |
| Q2 2025 | 2025-06-30 | 3.03% | +0.62 pp |
| Q1 2025 | 2025-03-31 | 2.64% | +0.22 pp |
| Q4 2024 | 2024-12-31 | 2.44% | −0.51 pp |
| Q3 2024 | 2024-09-30 | 2.50% | −0.82 pp |
| Q2 2024 | 2024-06-30 | 2.41% | −0.78 pp |
| Q1 2024 | 2024-03-31 | 2.42% | −1.70 pp |
| Q4 2023 | 2023-12-31 | 2.95% | −3.12 pp |
| Q3 2023 | 2023-09-30 | 3.32% | −2.51 pp |
| Q2 2023 | 2023-06-30 | 3.20% | −0.78 pp |
| Q1 2023 | 2023-03-31 | 4.12% | +0.39 pp |
| Q4 2022 | 2022-12-31 | 6.07% | +2.60 pp |
| Q3 2022 | 2022-09-30 | 5.83% | +2.06 pp |
| Q2 2022 | 2022-06-30 | 3.97% | +0.40 pp |
| Q1 2022 | 2022-03-31 | 3.73% | +0.15 pp |
| Q4 2021 | 2021-12-31 | 3.47% | +0.19 pp |
| Q3 2021 | 2021-09-30 | 3.78% | +0.56 pp |
| Q2 2021 | 2021-06-30 | 3.57% | +0.38 pp |
| Q1 2021 | 2021-03-31 | 3.58% | +1.15 pp |
| Q4 2020 | 2020-12-31 | 3.28% | +0.34 pp |
| Q3 2020 | 2020-09-30 | 3.21% | +0.24 pp |
| Q2 2020 | 2020-06-30 | 3.19% | +0.37 pp |
| Q1 2020 | 2020-03-31 | 2.43% | −0.43 pp |
| Q4 2019 | 2019-12-31 | 2.94% | +0.01 pp |
| Q3 2019 | 2019-09-30 | 2.97% | −0.25 pp |
| Q2 2019 | 2019-06-30 | 2.82% | −0.25 pp |
| Q1 2019 | 2019-03-31 | 2.85% | −0.10 pp |
| Q4 2018 | 2018-12-31 | 2.93% | +1.57 pp |
| Q3 2018 | 2018-09-30 | 3.22% | +0.37 pp |
| Q2 2018 | 2018-06-30 | 3.08% | +0.35 pp |
| Q1 2018 | 2018-03-31 | 2.96% | +0.40 pp |
| Q4 2017 | 2017-12-31 | 1.36% | −1.20 pp |
| Q3 2017 | 2017-09-30 | 2.85% | +0.07 pp |
| Q2 2017 | 2017-06-30 | 2.73% | +0.37 pp |
| Q1 2017 | 2017-03-31 | 2.55% | +0.23 pp |
| Q4 2016 | 2016-12-31 | 2.56% | −0.30 pp |
| Q3 2016 | 2016-09-30 | 2.78% | −0.09 pp |
| Q2 2016 | 2016-06-30 | 2.36% | −0.28 pp |
| Q1 2016 | 2016-03-31 | 2.33% | −0.78 pp |
| Q4 2015 | 2015-12-31 | 2.85% | +0.08 pp |
| Q3 2015 | 2015-09-30 | 2.88% | −0.05 pp |
| Q2 2015 | 2015-06-30 | 2.63% | −0.10 pp |
| Q1 2015 | 2015-03-31 | 3.11% | +0.43 pp |
| Q4 2014 | 2014-12-31 | 2.77% | −0.38 pp |
| Q3 2014 | 2014-09-30 | 2.92% | +0.19 pp |
| Q2 2014 | 2014-06-30 | 2.73% | +0.25 pp |
| Q1 2014 | 2014-03-31 | 2.68% | +0.35 pp |
| Q4 2013 | 2013-12-31 | 3.16% | −0.02 pp |
| Q3 2013 | 2013-09-30 | 2.73% | −1.08 pp |
| Q2 2013 | 2013-06-30 | 2.48% | −0.07 pp |
| Q1 2013 | 2013-03-31 | 2.33% | −0.27 pp |
| Q4 2012 | 2012-12-31 | 3.18% | −0.13 pp |
| Q3 2012 | 2012-09-30 | 3.81% | +0.22 pp |
| Q2 2012 | 2012-06-30 | 2.56% | −0.33 pp |
| Q1 2012 | 2012-03-31 | 2.60% | — |
| Q4 2011 | 2011-12-31 | 3.31% | — |
| Q3 2011 | 2011-09-30 | 3.59% | — |
| Q2 2011 | 2011-06-30 | 2.89% | — |
Embassy Bancorp return on equity trends
Over the last five fiscal years, Embassy Bancorp's return on equity decreased from 12.10% to 11.70%, a change of −0.39 percentage points. The latest reported quarter, Q2 2026, shows 3.26%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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