Embassy Bancorp, Inc. (EMYB)

Embassy Bancorp Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	48.54	45.57	39.8	41.85	47.73	44.98
Revenue Growth	14.63%	14.50%	-4.88%	-12.33%	6.12%	18.86%
Net Income Net Income Growth	15.24	13.7	10.44	12.66	17.7	16.79
Earnings Per Share EPS Growth	2.01	1.79	1.37	1.67	2.34	2.22
EPS Growth	30.62%	30.66%	-17.73%	-28.83%	5.41%	30.59%

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	132.94	112.86	96.52	78.92	67.3	169.69
Total Debt Total Debt Growth	7.75	14.4	26.52	56.84	20.68	34.8
Net Cash (Debt) Net Cash Growth	125.19	98.46	70	22.09	46.61	134.89
Net Cash Growth	49.24%	40.65%	216.95%	-52.62%	-65.44%	209.02%
Net Cash Per Share Net Cash Per Share Growth	16.58	12.90	9.19	2.91	6.16	17.85

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	15.89	12.83	9.94	19.5	19.91	15.25
Capital Expenditures CapEx Growth	-0.67	-0.63	-0.74	-0.81	-0.72	-1.51
Free Cash Flow Free Cash Flow Growth	15.22	12.2	9.21	18.69	19.19	13.74
Free Cash Flow Growth	26.80%	32.55%	-50.75%	-2.60%	39.71%	17.90%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	31.39%	30.05%	26.23%	30.24%	37.09%	37.32%
FCF Margin	31.35%	26.77%	23.13%	44.67%	40.21%	30.54%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 21, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.550	0.480	0.420	0.400	0.350	0.300
Dividend Per Share Growth	14.58%	14.29%	5.00%	14.29%	16.67%	36.36%
Dividend Yield	2.46%	2.71%	2.67%	2.97%	2.12%	1.70%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 21, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	11.12	10.03	12.11	8.83	7.93	9.07
P/FCF Ratio	10.88	11.26	13.73	5.98	7.32	11.08
PS Ratio	3.41	3.01	3.18	2.67	2.94	3.39

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

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