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Embassy Bancorp, Inc. (EMYB)
OTCMKTS · Delayed Price · Currency is USD
22.50
0.00 (0.00%)
At close: Jul 31, 2026

Embassy Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
47.345.5739.841.8547.7344.98
Revenue Growth
16.25%14.50%-4.88%-12.33%6.12%18.86%
Net Income
14.5513.710.4412.6617.716.79
Earnings Per Share
1.911.791.371.672.342.22
EPS Growth
34.91%30.66%-17.73%-28.83%5.41%30.59%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
141.83112.8696.5278.9267.3169.69
Total Debt
12.7114.426.5256.8420.6834.8
Net Cash (Debt)
129.1398.467022.0946.61134.89
Net Cash Growth
41.61%40.65%216.95%-52.62%-65.44%209.02%
Net Cash Per Share
16.9712.909.192.916.1617.85

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
14.9812.839.9419.519.9115.25
Capital Expenditures
-0.73-0.63-0.74-0.81-0.72-1.51
Free Cash Flow
14.2512.29.2118.6919.1913.74
Free Cash Flow Growth
38.64%32.55%-50.75%-2.60%39.71%17.90%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
30.76%30.05%26.23%30.24%37.09%37.32%
FCF Margin
30.13%26.77%23.13%44.67%40.21%30.54%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.4800.4800.4200.4000.3500.300
Dividend Per Share Growth
14.58%14.29%5.00%14.29%16.67%36.36%
Dividend Yield
2.13%2.71%2.67%2.97%2.12%1.70%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.7810.0312.118.837.939.07
P/FCF Ratio
11.6911.2613.735.987.3211.08
PS Ratio
3.523.013.182.672.943.39