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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $269.0K | - | - | - | $260.0K | - | - | - | $269.0K | - |
| Operating Income | $4.58M | - | $4.60M | $4.13M | $3.51M | - | $3.25M | $3.00M | $3.02M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $6.38M | - |
| Income Tax | $839.0K | - | $811.0K | $691.0K | $621.0K | - | $531.0K | $506.0K | $487.0K | - |
| Net Income | $3.74M | - | $3.79M | $3.44M | $2.89M | - | $2.71M | $2.49M | $2.54M | - |
| EPS - Basic | $0.50 | - | $0.50 | $0.45 | $0.38 | - | $0.36 | $0.33 | $0.33 | - |
| EPS - Diluted | $0.50 | - | $0.50 | $0.45 | $0.38 | - | $0.36 | $0.33 | $0.33 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $141.83M | $112.86M | $108.00M | $91.82M | $97.90M | $96.52M | $91.91M | $135.89M | $59.51M | $78.92M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.84B | $1.80B | $1.78B | $1.76B | $1.75B | $1.70B | $1.72B | $1.72B | $1.65B | $1.66B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.72B | $1.67B | $1.66B | $1.65B | $1.64B | $1.60B | $1.60B | $1.61B | $1.55B | $1.55B |
| Stockholders' Equity | $124.81M | $127.58M | $122.43M | $114.31M | $112.44M | $106.48M | $114.49M | $102.62M | $103.78M | $105.66M |
| Retained Earnings | $137.03M | $133.29M | $129.71M | $125.91M | $126.15M | $123.26M | $120.56M | $117.85M | $118.55M | $116.02M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.83M | - | - | - | $2.68M | - | - | - | $1.81M | - |
| Investing Cash Flow | ($17.32M) | - | - | - | ($46.51M) | - | - | - | ($21.31M) | - |
| Financing Cash Flow | $41.47M | - | - | - | $45.20M | - | - | - | $86.0K | - |
| CapEx | $175.0K | - | - | - | $78.0K | - | - | - | $274.0K | - |
| Free Cash Flow | $4.66M | - | - | - | $2.61M | - | - | - | $1.53M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.25 | - | - | - | 0.90 | - | - | - | 0.60 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.3% | - | 17.6% | 16.7% | 17.7% | - | 16.4% | 16.9% | 16.1% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.2% | - | 0.2% | 0.1% | 0.2% | - |
| Return on equity | 3.0% | - | 3.1% | 3.0% | 2.6% | - | 2.4% | 2.4% | 2.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.5x | - |
| Equity multiplier | 14.76 | 14.11 | 14.52 | 15.39 | 15.60 | 16.01 | 14.98 | 16.73 | 15.93 | 15.68 |
| Liabilities / Assets | 0.93 | 0.93 | 0.93 | 0.94 | 0.94 | 0.94 | 0.93 | 0.94 | 0.94 | 0.94 |
| 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) | 30.5% | - | 41.9% | 37.7% | 16.0% | - | -11.6% | -19.3% | -34.8% | - |
| Net income growth (YoY) | 29.5% | - | 39.8% | 37.9% | 13.8% | - | -9.6% | -18.2% | -33.0% | - |
| EPS growth (YoY) | 31.6% | - | 38.9% | 36.4% | 15.2% | - | -7.7% | -17.5% | -34.0% | - |
| EPS CAGR (3y) | 0.0% | - | -7.4% | -3.5% | -12.1% | - | -15.2% | -15.1% | -14.6% | - |
| EPS CAGR (5y) | -1.2% | - | 1.7% | 0.5% | 2.9% | - | -1.1% | -1.2% | -0.6% | - |
| FCF growth (YoY) | 78.7% | - | - | - | 70.1% | - | - | - | -76.3% | - |
| FCF CAGR (5y) | 3.5% | - | - | - | 12.5% | - | - | - | -14.1% | - |
| Book value growth (YoY) | 11.0% | 19.8% | 6.9% | 11.4% | 8.3% | 0.8% | 33.7% | 8.0% | 8.5% | 19.7% |
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 |