Embassy Bancorp, Inc. (EMYB)

Embassy Bancorp Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	59.79	48.41	45.59	40.06	35.43
Revenue Growth (YoY)	23.50%	6.18%	13.81%	13.07%	4.47%
Gross Profit	59.79	48.41	45.59	40.06	35.43
Selling, General & Admin	15.52	14.68	16.63	15.17	14.72
Other Operating Expenses	-8.73	-8.58	-41.37	-39.5	-36.77
Operating Expenses	8.73	1.74	-24.74	-24.33	-22.06
Operating Income	17.15	26.1	20.85	15.73	13.37
Interest Income	57.16	50.39	47.51	44.33	42.86
Interest Expense	18.12	4.1	4.01	6.41	9.33
Other Expense / Income	40.73	50.39	43.49	37.92	33.53
Pretax Income	15.46	21.99	20.85	15.73	13.37
Income Tax	2.8	4.29	4.07	2.92	2.49
Net Income	12.66	17.7	16.79	12.81	10.88
Net Income Growth	-28.51%	5.46%	31.04%	17.75%	7.94%
Shares Outstanding (Basic)	8	8	8	7	7
Shares Outstanding (Diluted)	8	8	8	8	8
Shares Change	0.72%	-0.12%	0.41%	-0.27%	0.21%
EPS (Basic)	1.67	2.36	2.23	1.71	1.46
EPS (Diluted)	1.67	2.35	2.22	1.70	1.44
EPS Growth	-28.94%	5.86%	30.59%	18.06%	7.46%
Free Cash Flow	18.69	19.19	13.74	11.65	13.53
Free Cash Flow Per Share	2.46	2.54	1.82	1.55	1.79
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	28.68%	53.91%	45.74%	39.27%	37.74%
Profit Margin	21.17%	36.57%	36.82%	31.98%	30.71%
Free Cash Flow Margin	31.26%	39.64%	30.13%	29.08%	38.17%
Effective Tax Rate	18.11%	19.51%	19.50%	18.57%	18.65%
EBITDA	-1.69	26.98	21.72	16.49	14.2
EBITDA Margin	-2.83%	55.73%	47.63%	41.17%	40.08%
Depreciation & Amortization	0.92	0.88	0.86	0.76	0.83
EBIT	-2.61	26.1	20.85	15.73	13.37
EBIT Margin	-4.36%	53.91%	45.74%	39.27%	37.74%

Sources: The data provider is Financial Modeling Prep and the numbers are sourced from SEC filings.