Embassy Bancorp, Inc. (EMYB)
OTCMKTS · Delayed Price · Currency is USD
22.50
0.00 (0.00%)
At close: Jul 31, 2026
Embassy Bancorp Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 & Equivalents | 141.83 | 112.86 | 96.52 | 78.92 | 67.3 | 169.69 |
Investment Securities | 154.27 | 153.94 | 105.19 | 77.73 | 107.94 | 89.96 |
Mortgage-Backed Securities | 195.34 | 187.99 | 175.64 | 198.34 | 209.05 | 220.3 |
Total Investments | 349.61 | 341.93 | 280.83 | 276.06 | 316.99 | 310.26 |
Gross Loans | 1,296 | 1,291 | 1,268 | 1,254 | 1,209 | 1,117 |
Allowance for Loan Losses | -12.1 | -12.04 | -12.17 | -12.46 | -12.45 | -11.48 |
Net Loans | 1,284 | 1,279 | 1,256 | 1,242 | 1,196 | 1,105 |
Property, Plant & Equipment | 2.79 | 7.38 | 9.32 | 10.23 | 11.04 | 12.69 |
Accrued Interest Receivable | 4.28 | 4.28 | 3.6 | 3.3 | 2.93 | 2.6 |
Long-Term Deferred Tax Assets | - | 13.56 | 16.82 | 14.93 | 16.82 | 3.2 |
Other Long-Term Assets | 58.66 | 41.37 | 41.07 | 31.47 | 28.71 | 29.62 |
Total Assets | 1,842 | 1,801 | 1,704 | 1,656 | 1,640 | 1,633 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Interest Bearing Deposits | 1,121 | 1,099 | 1,034 | 1,009 | 1,056 | 1,089 |
Institutional Deposits | 190.88 | 184.38 | 167.62 | 138.77 | 82.92 | 54.74 |
Non-Interest Bearing Deposits | 369.96 | 357.22 | 351.37 | 328.67 | 381.81 | 323.51 |
Total Deposits | 1,682 | 1,640 | 1,553 | 1,476 | 1,521 | 1,467 |
Short-Term Borrowings | 12.71 | 9.88 | 20.52 | 50.24 | 13.38 | 11.25 |
Current Portion of Long-Term Debt | - | - | - | - | - | 14.65 |
Current Portion of Leases | - | 1.92 | - | - | - | - |
Accrued Interest Payable | 7.64 | 7.2 | 7.81 | 7.84 | 0.99 | 0.65 |
Long-Term Leases | - | 2.61 | 6 | 6.6 | 7.3 | 8.9 |
Pension & Post-Retirement Benefits | - | 8.4 | 8.1 | 7.8 | 7.3 | 6.7 |
Other Long-Term Liabilities | 14.99 | 2.75 | 2.55 | 2.13 | 1.87 | 1.5 |
Total Liabilities | 1,717 | 1,673 | 1,598 | 1,551 | 1,552 | 1,511 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Common Stock | 7.84 | 7.82 | 7.79 | 7.76 | 7.74 | 7.69 |
Additional Paid-In Capital | 29.57 | 29.22 | 28.8 | 28.25 | 27.63 | 26.96 |
Retained Earnings | 137.03 | 133.29 | 123.26 | 116.02 | 106.55 | 91.49 |
Treasury Stock | -7.62 | -4.66 | -2.74 | -2.67 | -2.54 | -2.44 |
Comprehensive Income & Other | -42.01 | -38.1 | -50.64 | -43.7 | -51.11 | -1.19 |
Shareholders' Equity | 124.81 | 127.58 | 106.48 | 105.66 | 88.28 | 122.52 |
Total Liabilities & Equity | 1,842 | 1,801 | 1,704 | 1,656 | 1,640 | 1,633 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Total Debt | 12.71 | 14.4 | 26.52 | 56.84 | 20.68 | 34.8 |
Net Cash (Debt) | 129.13 | 98.46 | 70 | 22.09 | 46.61 | 134.89 |
Net Cash Growth | 41.61% | 40.65% | 216.95% | -52.62% | -65.44% | 209.02% |
Net Cash Per Share | 16.97 | 12.90 | 9.19 | 2.91 | 6.16 | 17.85 |
Filing Date Shares Outstanding | 7.41 | 7.56 | 7.64 | 7.62 | 7.6 | 7.55 |
Total Common Shares Outstanding | 7.41 | 7.55 | 7.63 | 7.6 | 7.59 | 7.54 |
Book Value Per Share | 16.83 | 16.90 | 13.96 | 13.91 | 11.64 | 16.24 |
Tangible Book Value | 124.81 | 127.58 | 106.48 | 105.66 | 88.28 | 122.52 |
Tangible Book Value Per Share | 16.83 | 16.90 | 13.96 | 13.91 | 11.64 | 16.24 |