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

Embassy Bancorp (EMYB) reported diluted earnings per share of $1.79 for fiscal year 2025. This represents a 30.7% 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.

Embassy Bancorp Financials

EMYB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Embassy Bancorp (EMYB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

Rhea AI EMYB FY2025 2026-05-13

Embassy Bancorp’s returns depend on balance-sheet leverage, with modest asset profitability converted into double-digit equity returns.

Return on assets was only 0.8% while return on equity reached 10.7%, so shareholder returns are being created by leverage more than by unusually profitable assets. That reading fits a 13.1x debt-to-equity posture and the last three years' pattern: earnings compressed while revenue expanded, then recovered only after interest expense stopped rising.

Operating cash flow of $12.8M stayed close to net income of $13.7M, which suggests earnings quality remained intact even as profit swung across recent years. Because capital spending was just $632K, free cash flow mostly reflects operating performance rather than a business that must continually reinvest to stand still.

Total assets reached $1.8B and cash rose to $112.9M, but internally generated cash was far smaller than the balance sheet's expansion. Financing inflows of $71.1M alongside investing outflows of $67.6M show the bank grows by attracting funding and redeploying it, not by building a capital-heavy operating footprint.

Financial Health Signals

Financial Profile 27/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Embassy Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Embassy Bancorp's revenue grew 10.0% year-over-year to $71.5M, a solid pace of expansion. This earns a growth score of 53/100.

Leverage

Embassy Bancorp has elevated debt relative to equity (D/E of 13.11), 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 17.1% of revenue into free cash flow ($12.2M). This strong cash generation earns a score of 73/100.

Returns

Embassy Bancorp's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 9.8% the prior year.

Piotroski F-Score Neutral

5/9

Embassy Bancorp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, Embassy Bancorp generates $0.94 in operating cash flow ($12.8M OCF vs $13.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$71.5M

YoY+10.0%

5Y CAGR+10.0%

10Y CAGR+9.7%

Embassy Bancorp generated $71.5M in revenue in fiscal year 2025. This represents an increase of 10.0% from the prior year.

EBITDA

N/A

Net Income

$13.7M

YoY+31.2%

5Y CAGR+1.3%

10Y CAGR+6.3%

Embassy Bancorp reported $13.7M in net income in fiscal year 2025. This represents an increase of 31.2% from the prior year.

EPS (Diluted)

$1.79

YoY+30.7%

5Y CAGR+1.0%

10Y CAGR+6.0%

Embassy Bancorp earned $1.79 per diluted share (EPS) in fiscal year 2025. This represents an increase of 30.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$12.2M

YoY+32.5%

5Y CAGR+0.9%

10Y CAGR+5.5%

Embassy Bancorp generated $12.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 32.5% from the prior year.

Cash & Debt

$112.9M

YoY+16.9%

5Y CAGR-3.1%

10Y CAGR+19.2%

Embassy Bancorp held $112.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.48

YoY+14.3%

5Y CAGR+16.9%

10Y CAGR+17.0%

Embassy Bancorp paid $0.48 per share in dividends in fiscal year 2025. This represents an increase of 14.3% from the prior year.

Shares Outstanding

YoY-1.0%

5Y CAGR+0.0%

10Y CAGR+0.2%

Embassy Bancorp had 8M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.2%

YoY+3.1pp

5Y CAGR-9.7pp

10Y CAGR-7.0pp

Embassy Bancorp's net profit margin was 19.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.1 percentage points from the prior year.

Return on Equity

10.7%

YoY+0.9pp

5Y CAGR-0.7pp

10Y CAGR-0.1pp

Embassy Bancorp's ROE was 10.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$11K

YoY-84.7%

5Y CAGR-57.2%

Embassy Bancorp spent $11K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 84.7% from the prior year.

Capital Expenditures

$632K

YoY-14.5%

5Y CAGR-20.4%

10Y CAGR-7.3%

Embassy Bancorp invested $632K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 14.5% from the prior year.

EMYB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$71.5M+10.0%	$65.0M+13.7%	$57.2M+13.4%	$50.4M+6.1%	$47.5M+7.2%	$44.3M
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	$15.1M+6.0%	$14.2M+3.4%	$13.8M+2.8%	$13.4M+10.3%	$12.1M+9.5%	$11.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$29.0M+0.9%	$28.8M+58.9%	$18.1M+341.6%	$4.1M+2.3%	$4.0M-37.4%	$6.4M
Income Tax	$2.9M+40.1%	$2.1M-26.1%	$2.8M-34.8%	$4.3M+5.5%	$4.1M+39.2%	$2.9M
Net Income	$13.7M+31.2%	$10.4M-17.5%	$12.7M-28.5%	$17.7M+5.5%	$16.8M+31.0%	$12.8M
EPS (Diluted)	$1.79+30.7%	$1.37-18.0%	$1.67-28.6%	$2.34+5.4%	$2.22+30.6%	$1.70

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$18.5M-0.2%	$18.5M+1.6%	$18.3M+3.0%	$17.7M+4.7%	$16.9M+0.6%	$16.8M-0.5%	$16.9M+5.0%	$16.1M
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	$3.9M-1.5%	$3.9M+4.1%	$3.8M-1.6%	$3.8M+6.7%	$3.6M-1.6%	$3.6M-0.6%	$3.7M+5.6%	$3.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.1M-2.1%	$7.2M-2.5%	$7.4M+1.3%	$7.3M+2.8%	$7.1M-4.3%	$7.4M-4.2%	$7.8M+7.2%	$7.2M
Income Tax	$839K+8.1%	$776K-4.3%	$811K+17.4%	$691K+11.3%	$621K+13.9%	$545K+2.6%	$531K+4.9%	$506K
Net Income	$3.7M+4.4%	$3.6M-5.6%	$3.8M+10.4%	$3.4M+19.1%	$2.9M+7.0%	$2.7M-0.6%	$2.7M+8.9%	$2.5M
EPS (Diluted)	$0.50	N/A	$0.50+11.1%	$0.45+18.4%	$0.38	N/A	$0.36+9.1%	$0.33

EMYB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.8B+5.6%	$1.7B+2.9%	$1.7B+1.0%	$1.6B+0.4%	$1.6B+13.3%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$112.9M+16.9%	$96.5M+22.3%	$78.9M+17.3%	$67.3M-60.3%	$169.7M+28.6%	$131.9M
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	$1.7B+4.7%	$1.6B+3.0%	$1.6B-0.1%	$1.6B+2.7%	$1.5B+13.6%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$14.7M0.0%	$14.7M
Total Equity	$127.6M+19.8%	$106.5M+0.8%	$105.7M+19.7%	$88.3M-27.9%	$122.5M+9.2%	$112.2M
Retained Earnings	$133.3M+8.1%	$123.3M+6.2%	$116.0M+8.9%	$106.6M+16.5%	$91.5M+18.9%	$77.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.8B+2.3%	$1.8B+1.3%	$1.8B+1.1%	$1.8B+0.3%	$1.8B+2.9%	$1.7B-0.6%	$1.7B-0.1%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$141.8M+25.7%	$112.9M+4.5%	$108.0M+17.6%	$91.8M-6.2%	$97.9M+1.4%	$96.5M+5.0%	$91.9M-32.4%	$135.9M
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+2.6%	$1.7B+1.0%	$1.7B+0.6%	$1.6B+0.2%	$1.6B+2.7%	$1.6B-0.2%	$1.6B-0.8%	$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	$124.8M-2.2%	$127.6M+4.2%	$122.4M+7.1%	$114.3M+1.7%	$112.4M+5.6%	$106.5M-7.0%	$114.5M+11.6%	$102.6M
Retained Earnings	$137.0M+2.8%	$133.3M+2.8%	$129.7M+3.0%	$125.9M-0.2%	$126.1M+2.3%	$123.3M+2.2%	$120.6M+2.3%	$117.8M

EMYB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$12.8M+29.1%	$9.9M-49.0%	$19.5M-2.1%	$19.9M+30.6%	$15.2M+11.8%	$13.6M
Capital Expenditures	$632K-14.5%	$739K-8.3%	$806K+12.1%	$719K-52.4%	$1.5M-23.8%	$2.0M
Free Cash Flow	$12.2M+32.5%	$9.2M-50.8%	$18.7M-2.6%	$19.2M+39.7%	$13.7M+17.9%	$11.7M
Investing Cash Flow	-$67.6M-87.1%	-$36.2M-1210.7%	$3.3M+102.0%	-$161.3M-3.3%	-$156.2M+10.1%	-$173.8M
Financing Cash Flow	$71.1M+62.4%	$43.8M+493.8%	-$11.1M-128.5%	$39.0M-78.2%	$178.7M-29.1%	$252.1M
Dividends Paid	$3.7M+14.7%	$3.2M+5.2%	$3.0M+15.0%	$2.6M+17.4%	$2.3M+37.0%	$1.6M
Share Buybacks	$11K-84.7%	$72K-45.5%	$132K+32.0%	$100K-85.1%	$670K-12.4%	$765K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$4.8M+24.4%	$3.9M-2.7%	$4.0M+75.4%	$2.3M-15.2%	$2.7M+23.9%	$2.2M-61.8%	$5.7M+1771.0%	$303K
Capital Expenditures	$175K+36.7%	$128K+5.8%	$121K-60.3%	$305K+291.0%	$78K-69.0%	$252K+60.5%	$157K+180.4%	$56K
Free Cash Flow	$4.7M+24.0%	$3.8M-2.9%	$3.9M+96.4%	$2.0M-24.4%	$2.6M+36.2%	$1.9M-65.3%	$5.5M+2131.6%	$247K
Investing Cash Flow	-$17.3M-18.9%	-$14.6M-1221.9%	$1.3M+116.6%	-$7.8M+83.1%	-$46.5M-1182.5%	$4.3M+112.4%	-$34.6M-324.2%	$15.4M
Financing Cash Flow	$41.5M+166.6%	$15.6M+42.8%	$10.9M+2218.9%	-$514K-101.1%	$45.2M+2547.4%	-$1.8M+87.8%	-$15.1M-124.9%	$60.7M
Dividends Paid	N/A	$0	$0	N/A	N/A	$0	$0	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

EMYB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	19.2%+3.1pp	16.1%-6.1pp	22.1%-13.0pp	35.1%-0.2pp	35.3%+6.4pp	28.9%
Return on Equity	10.7%+0.9pp	9.8%-2.2pp	12.0%-8.1pp	20.1%+6.3pp	13.7%+2.3pp	11.4%
Return on Assets	0.8%+0.1pp	0.6%-0.1pp	0.8%-0.3pp	1.1%+0.1pp	1.0%+0.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	13.11-1.9	15.01+0.3	14.68-2.9	17.58+17.5	0.12-0.0	0.13
FCF Margin	17.1%+2.9pp	14.2%-18.5pp	32.7%-5.4pp	38.1%+9.2pp	28.9%+2.6pp	26.3%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	20.2%+0.9pp	19.3%-1.5pp	20.8%+1.4pp	19.4%+2.3pp	17.0%+1.0pp	16.0%0.0pp	16.0%+0.6pp	15.5%
Return on Equity	3.0%+0.2pp	2.8%-0.3pp	3.1%+0.1pp	3.0%+0.4pp	2.6%+0.0pp	2.5%+0.2pp	2.4%-0.1pp	2.4%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	13.76+0.6	13.11-0.4	13.52-0.9	14.39-0.2	14.60-0.4	15.01+1.0	13.98-1.7	15.73
FCF Margin	25.2%+4.9pp	20.3%-0.9pp	21.2%+10.1pp	11.1%-4.3pp	15.4%+4.0pp	11.4%-21.2pp	32.6%+31.0pp	1.5%

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Frequently Asked Questions

What is Embassy Bancorp's annual revenue?

Embassy Bancorp (EMYB) reported $71.5M in total revenue for fiscal year 2025. This represents a 10.0% 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 10% year-over-year, from $65.0M to $71.5M in fiscal year 2025.

Is Embassy Bancorp profitable?

Yes, Embassy Bancorp (EMYB) reported a net income of $13.7M in fiscal year 2025, with a net profit margin of 19.2%.

What is Embassy Bancorp's net profit margin?

Embassy Bancorp (EMYB) had a net profit margin of 19.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Embassy Bancorp pay dividends?

Yes, Embassy Bancorp (EMYB) paid $0.48 per share in dividends during fiscal year 2025.

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

Embassy Bancorp (EMYB) has a return on equity of 10.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Embassy Bancorp's free cash flow?

Embassy Bancorp (EMYB) generated $12.2M in free cash flow during fiscal year 2025. This represents a 32.5% 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 $12.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Embassy Bancorp's total assets?

Embassy Bancorp (EMYB) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Embassy Bancorp's capital expenditures?

Embassy Bancorp (EMYB) invested $632K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Embassy Bancorp buy back shares?

Yes, Embassy Bancorp (EMYB) spent $11K on share buybacks during fiscal year 2025, 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 2025.

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

Embassy Bancorp (EMYB) had a debt-to-equity ratio of 13.11 as of fiscal year 2025, 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 0.8% for fiscal year 2025, 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 5 out of 9, indicating neutral 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 to 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 0.94x, 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 27 out of 100 on our Financial Profile, indicating weak 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.