emyb · Embassy Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.06M | $1.15M | $915.0K | $883.0K | $864.0K | $760.0K |
| Operating Income | $16.60M | $12.51M | $15.46M | $21.99M | $20.85M | $15.73M |
| Interest Expense | - | - | $18.12M | $4.10M | $4.01M | $6.41M |
| Income Tax | $2.90M | $2.07M | $2.80M | $4.29M | $4.07M | $2.92M |
| Net Income | $13.70M | $10.44M | $12.66M | $17.70M | $16.79M | $12.81M |
| EPS - Basic | $1.79 | $1.37 | $1.67 | $2.34 | $2.23 | $1.71 |
| EPS - Diluted | $1.79 | $1.37 | $1.67 | $2.34 | $2.22 | $1.70 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $112.86M | $96.52M | $78.92M | $67.30M | $169.69M | $131.91M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.80B | $1.70B | $1.66B | $1.64B | $1.63B | $1.44B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | $14.65M | $14.65M |
| Total Liabilities | $1.67B | $1.60B | $1.55B | $1.55B | $1.51B | $1.33B |
| Stockholders' Equity | $127.58M | $106.48M | $105.66M | $88.28M | $122.52M | $112.17M |
| Retained Earnings | $133.29M | $123.26M | $116.02M | $106.55M | $91.49M | $76.96M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.83M | $9.94M | $19.50M | $19.91M | $15.25M | $13.63M |
| Investing Cash Flow | ($67.63M) | ($36.15M) | $3.25M | ($161.32M) | ($156.21M) | ($173.77M) |
| Financing Cash Flow | $71.13M | $43.81M | ($11.13M) | $39.01M | $178.75M | $252.06M |
| CapEx | $632.0K | $739.0K | $806.0K | $719.0K | $1.51M | $1.98M |
| Free Cash Flow | $12.20M | $9.21M | $18.69M | $19.19M | $13.74M | $11.65M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.89 | 0.88 | 1.48 | 1.08 | 0.82 | 0.91 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 17.5% | 16.5% | 18.1% | 19.5% | 19.5% | 18.6% |
| Return on assets | 0.8% | 0.6% | 0.8% | 1.1% | 1.0% | 0.9% |
| Return on equity | 10.7% | 9.8% | 12.0% | 20.1% | 13.7% | 11.4% |
| Return on invested capital | - | - | - | - | 12.2% | 10.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | 0.12 | 0.13 |
| Debt / Assets | - | - | - | - | 0.01 | 0.01 |
| Debt / EBITDA | - | - | - | - | 0.67 | 0.89 |
| Interest coverage | - | - | 0.9x | 5.4x | 5.2x | 2.5x |
| Equity multiplier | 14.11 | 16.01 | 15.68 | 18.58 | 13.33 | 12.86 |
| Liabilities / Assets | 0.93 | 0.94 | 0.94 | 0.95 | 0.92 | 0.92 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 32.7% | -19.1% | -29.7% | 5.5% | 32.6% | 17.6% |
| Net income growth (YoY) | 31.2% | -17.5% | -28.5% | 5.5% | 31.0% | 17.7% |
| EPS growth (YoY) | 30.7% | -18.0% | -28.6% | 5.4% | 30.6% | 18.1% |
| EPS CAGR (3y) | -8.5% | -14.9% | -0.6% | 17.6% | 18.3% | 20.6% |
| EPS CAGR (5y) | 1.0% | -1.0% | 4.5% | 19.3% | 18.3% | 11.2% |
| FCF growth (YoY) | 32.5% | -50.8% | -2.6% | 39.7% | 17.9% | -13.9% |
| FCF CAGR (5y) | 0.9% | -7.4% | 9.6% | 17.1% | 9.8% | 10.2% |
| Book value growth (YoY) | 19.8% | 0.8% | 19.7% | -27.9% | 9.2% | 12.6% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Embassy Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.48/share trailing 12 months · +14.3% YoY
| Ex-date | Per share |
|---|---|
| Jun 27, 2025 | $0.4800 |
| Jun 28, 2024 | $0.4200 |
| Jun 29, 2023 | $0.4000 |
| Jun 29, 2022 | $0.3500 |
| Jun 29, 2021 | $0.3000 |
| Sep 4, 2020 | $0.2200 |
| Aug 30, 2019 | $0.2000 |
| Aug 30, 2018 | $0.1700 |
| Aug 30, 2017 | $0.1400 |
| Aug 30, 2016 | $0.1300 |
| Aug 28, 2015 | $0.1000 |
| Aug 28, 2014 | $0.0600 |
| Aug 29, 2013 | $0.0500 |
| Aug 30, 2012 | $0.0400 |