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Embassy Bancorp, Inc. EMYB
OTC · OOTC · stock · State Commercial Banks · website · IPO 2010-06-25
Embassy Bancorp, Inc. financials (annual, from 10-K)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $18.1M | $4.1M | $4.0M | $6.4M | $9.3M | $6.1M | $4.3M | $3.9M |
| Income tax | $2.9M | $2.1M | $2.8M | $4.3M | $4.1M | $2.9M | $2.5M | $2.3M | $4.5M | $2.9M |
| Net income | $13.7M | $10.4M | $12.7M | $17.7M | $16.8M | $12.8M | $10.9M | $10.1M | $7.3M | $7.1M |
| EPS (diluted) | $1.79 | $1.37 | $1.67 | $2.34 | $2.22 | $1.70 | $1.44 | $1.34 | $0.97 | $0.96 |
| Operating cash flow | $12.8M | $9.9M | $19.5M | $19.9M | $15.2M | $13.6M | $14.3M | $12.8M | $10.4M | $9.2M |
| Free cash flow | $12.2M | $9.2M | $18.7M | $19.2M | $13.7M | $11.7M | $13.5M | $11.8M | $9.9M | $8.6M |
| Cash & equivalents | — | — | — | — | — | — | — | $27.6M | $33.5M | $24.2M |
| Total assets | $1.8B | $1.7B | $1.7B | $1.6B | $1.6B | $1.4B | $1.2B | $1.1B | $997.0M | $924.2M |
| Total liabilities | $1.7B | $1.6B | $1.6B | $1.6B | $1.5B | $1.3B | $1.1B | $1.0B | $917.2M | $851.0M |
| Shareholders' equity | $127.6M | $106.5M | $105.7M | $88.3M | $122.5M | $112.2M | $99.6M | $87.2M | $79.8M | $73.3M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +31.2% | -17.5% | -28.5% | +5.5% | +31.0% | +17.7% | +7.9% | +38.1% | +2.1% | -3.5% |
| EPS growth | +30.7% | -18.0% | -28.6% | +5.4% | +30.6% | +18.1% | +7.5% | +38.1% | +1.0% | -4.0% |
| Free cash flow growth | +32.5% | -50.8% | -2.6% | +39.7% | +17.9% | -13.9% | +14.4% | +19.0% | +15.2% | +20.4% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Source: SEC EDGAR filings · CIK 0001449794 · as of 2025-12-31. Facts from filings plus Stocktoria's own computed scores — not investment advice.