Embassy Bancorp, Inc. (EMYB)

OTCMKTS · Delayed Price · Currency is USD

21.29

+0.29 (1.38%)

Oct 22, 2026, 3:47 PM EDT

Embassy Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	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	15.24	13.7	10.44	12.66	17.7	16.79
Earnings Per Share	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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	132.94	112.86	96.52	78.92	67.3	169.69
Total Debt	7.75	14.4	26.52	56.84	20.68	34.8
Net Cash (Debt)	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	16.58	12.90	9.19	2.91	6.16	17.85

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	15.89	12.83	9.94	19.5	19.91	15.25
Capital Expenditures	-0.67	-0.63	-0.74	-0.81	-0.72	-1.51
Free Cash Flow	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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 22, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	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	2.58%	2.64%	2.53%	2.72%	1.89%	1.49%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 22, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	10.60	10.03	12.11	8.83	7.93	9.07
P/FCF Ratio	10.14	11.26	13.73	5.98	7.32	11.08
PS Ratio	3.18	3.01	3.18	2.67	2.94	3.39