Embassy Bancorp Financials

EMYB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 44/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Embassy Bancorp's revenue grew 13.7% year-over-year to $65.0M, a solid pace of expansion. This earns a growth score of 68/100.

Leverage

Embassy Bancorp has elevated debt relative to equity (D/E of 15.01), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Embassy Bancorp converts 14.2% of revenue into free cash flow ($9.2M). This strong cash generation earns a score of 71/100.

Returns

Embassy Bancorp's ROE of 9.8% shows moderate profitability relative to equity, earning a score of 39/100. This is down from 12.0% the prior year.

Piotroski F-Score Weak

3/9

Embassy Bancorp passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.95x

For every $1 of reported earnings, Embassy Bancorp generates $0.95 in operating cash flow ($9.9M OCF vs $10.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

This page shows Embassy Bancorp (EMYB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$65.0M

YoY+13.7%

5Y CAGR+8.7%

10Y CAGR+9.6%

Embassy Bancorp generated $65.0M in revenue in fiscal year 2024. This represents an increase of 13.7% from the prior year.

EBITDA

N/A

Free Cash Flow

$9.2M

YoY-50.8%

5Y CAGR-7.4%

10Y CAGR+2.2%

Embassy Bancorp generated $9.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 50.8% from the prior year.

Net Income

$10.4M

YoY-17.5%

5Y CAGR-0.8%

10Y CAGR+5.0%

Embassy Bancorp reported $10.4M in net income in fiscal year 2024. This represents a decrease of 17.5% from the prior year.

EPS (Diluted)

$1.37

YoY-18.0%

5Y CAGR-1.0%

10Y CAGR+4.6%

Embassy Bancorp earned $1.37 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 18.0% from the prior year.

Cash & Debt

$96.5M

YoY+22.3%

5Y CAGR+19.3%

10Y CAGR+19.4%

Embassy Bancorp held $96.5M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.42

YoY+5.0%

5Y CAGR+16.0%

10Y CAGR+21.5%

Embassy Bancorp paid $0.42 per share in dividends in fiscal year 2024. This represents an increase of 5.0% from the prior year.

Shares Outstanding

YoY+0.4%

5Y CAGR+0.4%

10Y CAGR+0.4%

Embassy Bancorp had 8M shares outstanding in fiscal year 2024. This represents an increase of 0.4% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.1%

YoY-6.1pp

5Y CAGR-9.3pp

10Y CAGR-8.5pp

Embassy Bancorp's net profit margin was 16.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 6.1 percentage points from the prior year.

Return on Equity

9.8%

YoY-2.2pp

5Y CAGR-1.1pp

10Y CAGR-0.6pp

Embassy Bancorp's ROE was 9.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 2.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$72K

YoY-45.5%

Embassy Bancorp spent $72K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 45.5% from the prior year.

Capital Expenditures

$739K

YoY-8.3%

5Y CAGR-1.0%

10Y CAGR+10.4%

Embassy Bancorp invested $739K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 8.3% from the prior year.

EMYB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$65.0M+13.7%	$57.2M+13.4%	$50.4M+6.1%	$47.5M+7.2%	$44.3M+3.4%	$42.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$28.8M+58.9%	$18.1M+341.6%	$4.1M+2.3%	$4.0M-37.4%	$6.4M-31.3%	$9.3M
Income Tax	$2.1M-26.1%	$2.8M-34.8%	$4.3M+5.5%	$4.1M+39.2%	$2.9M+17.1%	$2.5M
Net Income	$10.4M-17.5%	$12.7M-28.5%	$17.7M+5.5%	$16.8M+31.0%	$12.8M+17.7%	$10.9M
EPS (Diluted)	$1.37-18.0%	$1.67-28.6%	$2.34+5.4%	$2.22+30.6%	$1.70+18.1%	$1.44

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$18.3M+3.0%	$17.7M+4.7%	$16.9M+0.6%	$16.8M+4.4%	$16.1M+6.8%	$15.1M+2.2%	$14.8M+1.7%	$14.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.4M+1.3%	$7.3M+2.8%	$7.1M-4.3%	$7.4M+2.7%	$7.2M+13.4%	$6.4M+6.5%	$6.0M+17.1%	$5.1M
Income Tax	$811K+17.4%	$691K+11.3%	$621K+13.9%	$545K+7.7%	$506K+3.9%	$487K-20.6%	$613K-8.1%	$667K
Net Income	$3.8M+10.4%	$3.4M+19.1%	$2.9M+7.0%	$2.7M+8.3%	$2.5M-1.7%	$2.5M-10.1%	$2.8M-6.1%	$3.0M
EPS (Diluted)	$0.50+11.1%	$0.45+18.4%	$0.38+8.6%	$0.35+6.1%	$0.330.0%	$0.33-13.2%	$0.38-2.6%	$0.39

EMYB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.7B+2.9%	$1.7B+1.0%	$1.6B+0.4%	$1.6B+13.3%	$1.4B+22.6%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$96.5M+22.3%	$78.9M+17.3%	$67.3M-60.3%	$169.7M+28.6%	$131.9M+229.9%	$40.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.6B+3.0%	$1.6B-0.1%	$1.6B+2.7%	$1.5B+13.6%	$1.3B+23.5%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$14.7M0.0%	$14.7M	N/A
Total Equity	$106.5M+0.8%	$105.7M+19.7%	$88.3M-27.9%	$122.5M+9.2%	$112.2M+12.6%	$99.6M
Retained Earnings	$123.3M+6.2%	$116.0M+8.9%	$106.6M+16.5%	$91.5M+18.9%	$77.0M+17.0%	$65.8M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$1.8B+1.1%	$1.8B+0.3%	$1.8B+2.9%	$1.7B-0.7%	$1.7B+3.9%	$1.7B-0.2%	$1.7B-1.2%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$108.0M+17.6%	$91.8M-6.2%	$97.9M+1.4%	$96.5M-29.0%	$135.9M+128.3%	$59.5M-24.6%	$78.9M+1.6%	$77.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.7B+0.6%	$1.6B+0.2%	$1.6B+2.7%	$1.6B-1.0%	$1.6B+4.2%	$1.5B-0.1%	$1.6B-2.5%	$1.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$122.4M+7.1%	$114.3M+1.7%	$112.4M+5.6%	$106.5M+3.8%	$102.6M-1.1%	$103.8M-1.8%	$105.7M+23.4%	$85.6M
Retained Earnings	$129.7M+3.0%	$125.9M-0.2%	$126.1M+2.3%	$123.3M+4.6%	$117.8M-0.6%	$118.6M+2.2%	$116.0M+2.5%	$113.2M

EMYB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$9.9M-49.0%	$19.5M-2.1%	$19.9M+30.6%	$15.2M+11.8%	$13.6M-4.7%	$14.3M
Capital Expenditures	$739K-8.3%	$806K+12.1%	$719K-52.4%	$1.5M-23.8%	$2.0M+154.9%	$778K
Free Cash Flow	$9.2M-50.8%	$18.7M-2.6%	$19.2M+39.7%	$13.7M+17.9%	$11.7M-13.9%	$13.5M
Investing Cash Flow	-$36.2M-1210.7%	$3.3M+102.0%	-$161.3M-3.3%	-$156.2M+10.1%	-$173.8M-226.0%	-$53.3M
Financing Cash Flow	$43.8M+493.8%	-$11.1M-128.5%	$39.0M-78.2%	$178.7M-29.1%	$252.1M+390.3%	$51.4M
Dividends Paid	$3.2M+5.2%	$3.0M+15.0%	$2.6M+17.4%	$2.3M+37.0%	$1.6M+10.0%	$1.5M
Share Buybacks	$72K-45.5%	$132K+32.0%	$100K-85.1%	$670K-12.4%	$765K	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$4.0M+75.4%	$2.3M-15.2%	$2.7M+23.9%	$2.2M+614.9%	$303K-83.2%	$1.8M-34.6%	$2.8M-51.2%	$5.7M
Capital Expenditures	$121K-60.3%	$305K+291.0%	$78K-69.0%	$252K+350.0%	$56K-79.6%	$274K+32.4%	$207K+16.9%	$177K
Free Cash Flow	$3.9M+96.4%	$2.0M-24.4%	$2.6M+36.2%	$1.9M+674.9%	$247K-83.9%	$1.5M-40.0%	$2.6M-53.4%	$5.5M
Investing Cash Flow	$1.3M+116.6%	-$7.8M+83.1%	-$46.5M-1182.5%	$4.3M-72.1%	$15.4M+172.4%	-$21.3M-155.6%	$38.3M+1215.9%	-$3.4M
Financing Cash Flow	$10.9M+2218.9%	-$514K-101.1%	$45.2M+2547.4%	-$1.8M-103.0%	$60.7M+70430.2%	$86K+100.2%	-$39.8M-5832.7%	$694K
Dividends Paid	$0	N/A	N/A	$0	N/A	N/A	$0	$0
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

EMYB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.1%-6.1pp	22.1%-13.0pp	35.1%-0.2pp	35.3%+6.4pp	28.9%+3.5pp	25.4%
Return on Equity	9.8%-2.2pp	12.0%-8.1pp	20.1%+6.3pp	13.7%+2.3pp	11.4%+0.5pp	10.9%
Return on Assets	0.6%-0.1pp	0.8%-0.3pp	1.1%+0.1pp	1.0%+0.1pp	0.9%-0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	15.01+0.3	14.68-2.9	17.58+17.5	0.12-0.0	0.13-10.7	10.81
FCF Margin	14.2%-18.5pp	32.7%-5.4pp	38.1%+9.2pp	28.9%+2.6pp	26.3%-5.3pp	31.6%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	20.8%+1.4pp	19.4%+2.3pp	17.0%+1.0pp	16.0%+0.6pp	15.5%-1.3pp	16.8%-2.3pp	19.1%-1.6pp	20.7%
Return on Equity	3.1%+0.1pp	3.0%+0.4pp	2.6%+0.0pp	2.5%+0.1pp	2.4%-0.0pp	2.4%-0.2pp	2.7%-0.8pp	3.5%
Return on Assets	0.2%0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%+0.0pp	0.1%0.0pp	0.1%-0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	13.52-0.9	14.39-0.2	14.60-0.4	15.01-0.7	15.73+0.8	14.93+0.2	14.68-3.9	18.58
FCF Margin	21.2%+10.1pp	11.1%-4.3pp	15.4%+4.0pp	11.4%+9.8pp	1.5%-8.6pp	10.2%-7.1pp	17.3%-20.5pp	37.8%

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Frequently Asked Questions

What is Embassy Bancorp's annual revenue?

Embassy Bancorp (EMYB) reported $65.0M in total revenue for fiscal year 2024. This represents a 13.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Embassy Bancorp's revenue growing?

Embassy Bancorp (EMYB) revenue grew by 13.7% year-over-year, from $57.2M to $65.0M in fiscal year 2024.

Is Embassy Bancorp profitable?

Yes, Embassy Bancorp (EMYB) reported a net income of $10.4M in fiscal year 2024, with a net profit margin of 16.1%.

What is Embassy Bancorp's earnings per share (EPS)?

Embassy Bancorp (EMYB) reported diluted earnings per share of $1.37 for fiscal year 2024. This represents a -18.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Embassy Bancorp's net profit margin?

Embassy Bancorp (EMYB) had a net profit margin of 16.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Embassy Bancorp pay dividends?

Yes, Embassy Bancorp (EMYB) paid $0.42 per share in dividends during fiscal year 2024.

What is Embassy Bancorp's return on equity (ROE)?

Embassy Bancorp (EMYB) has a return on equity of 9.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Embassy Bancorp's free cash flow?

Embassy Bancorp (EMYB) generated $9.2M in free cash flow during fiscal year 2024. This represents a -50.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Embassy Bancorp's operating cash flow?

Embassy Bancorp (EMYB) generated $9.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Embassy Bancorp's total assets?

Embassy Bancorp (EMYB) had $1.7B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Embassy Bancorp's capital expenditures?

Embassy Bancorp (EMYB) invested $739K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Embassy Bancorp buy back shares?

Yes, Embassy Bancorp (EMYB) spent $72K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Embassy Bancorp have outstanding?

Embassy Bancorp (EMYB) had 8M shares outstanding as of fiscal year 2024.

What is Embassy Bancorp's debt-to-equity ratio?

Embassy Bancorp (EMYB) had a debt-to-equity ratio of 15.01 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Embassy Bancorp's return on assets (ROA)?

Embassy Bancorp (EMYB) had a return on assets of 0.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Embassy Bancorp's Piotroski F-Score?

Embassy Bancorp (EMYB) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Embassy Bancorp's earnings high quality?

Embassy Bancorp (EMYB) has an earnings quality ratio of 0.95x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Embassy Bancorp?

Embassy Bancorp (EMYB) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.