What is EMBASSY BANCORP INC's earnings per share (EPS)?

EMBASSY BANCORP INC (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 INC (EMYB) Financials

EMYB

Trailing 12 months to June 30, 2026

Revenue $49.2M +16.7% YoY

Net Income $15.2M +29.8% YoY

EPS (Diluted) $2.03 +31.8% YoY

Free Cash Flow $15.2M +26.8% YoY

Market Cap $160.6M as of Oct 7, 2026

Price / Sales 3.3x on $49.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.5x on $15.2M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $128.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EMYB SEC filings page.

EMBASSY BANCORP INC (EMYB) reported $49.2M in revenue over the twelve months to Jun 30, 2026, up 16.7% from the prior twelve months. This page shows its 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).

Rhea AI EMYB FY2025 2026-10-04

FY2025 restored earnings and cash generation, but elevated interest expense and liability-heavy financing still define Embassy Bancorp's operating model.

The FY2025 earnings rebound was not driven by cheaper funding: interest expense reached $29.0M, above $18.1M in FY2023. Yet operating cash flow of $12.8M nearly matched net income of $13.7M, so the recovery was broadly cash-backed despite that cost pressure.

Assets expanded 5.6% in FY2025 while liabilities grew 4.7%, so balance-sheet growth was not funded solely by additional obligations. Debt-to-equity fell from 15.0x to 13.1x as equity rebuilt, indicating a thicker capital cushion within a still liability-heavy structure.

Capital spending was only $632K in FY2025, allowing most operating cash to remain after reinvestment rather than being absorbed by expansion. However, free cash flow of $12.2M remained below FY2023's $18.7M, showing that the latest recovery has not restored its prior cash-generation peak.

Financial Health Signals

Financial health score not available

EMBASSY BANCORP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/6

EMBASSY BANCORP INC passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, EMBASSY BANCORP INC 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

$13.2M

YoY+15.9%

QoQ+8.2%

5Y CAGR+3.3%

10Y CAGR+6.4%

EMBASSY BANCORP INC generated $13.2M in revenue in Q2 2026. This represents an increase of 15.9% from the same quarter a year earlier. Against the prior quarter it is up 8.2%.

Net Income

$4.1M

YoY+20.0%

QoQ+10.3%

5Y CAGR+0.1%

10Y CAGR+9.5%

EMBASSY BANCORP INC reported $4.1M in net income in Q2 2026. This represents an increase of 20.0% from the same quarter a year earlier. Against the prior quarter it is up 10.3%.

EPS (Diluted)

$0.56

YoY+24.4%

QoQ+12.0%

5Y CAGR+0.7%

10Y CAGR+9.8%

EMBASSY BANCORP INC earned $0.56 per diluted share (EPS) in Q2 2026. This represents an increase of 24.4% from the same quarter a year earlier. Against the prior quarter it is up 12.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$2.9M

YoY+49.1%

QoQ-36.9%

5Y CAGR-3.6%

10Y CAGR+1.5%

EMBASSY BANCORP INC generated $2.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 49.1% from the same quarter a year earlier. Against the prior quarter it is down 36.9%.

Cash & Debt

$132.9M

YoY+44.8%

QoQ-6.3%

5Y CAGR+3.8%

10Y CAGR+18.6%

EMBASSY BANCORP INC held $132.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.55

YoY+14.6%

EMBASSY BANCORP INC paid $0.55 per share in dividends in Q2 2026. This represents an increase of 14.6% from the same quarter a year earlier.

Shares Outstanding

YoY-3.1%

QoQ-0.1%

5Y CAGR-0.3%

10Y CAGR0.0%

EMBASSY BANCORP INC had 7M shares outstanding in Q2 2026. This represents a decrease of 3.1% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

31.3%

YoY+1.1pp

QoQ+0.6pp

5Y change-5.5pp

10Y change+7.8pp

EMBASSY BANCORP INC's net profit margin was 31.3% in Q2 2026, showing the share of revenue converted to profit. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Return on Equity

3.2%

YoY+0.2pp

QoQ+0.2pp

5Y change-0.3pp

10Y change+0.9pp

EMBASSY BANCORP INC's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$243K

YoY-20.3%

QoQ+38.9%

5Y CAGR-7.1%

10Y CAGR+13.6%

EMBASSY BANCORP INC invested $243K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 20.3% from the same quarter a year earlier. Against the prior quarter it is up 38.9%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

EMYB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

EMYB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$49.2M	$45.7M+16.0%	$39.4M-5.5%	$41.7M-14.3%	$48.6M+6.0%	$45.9M+13.7%	$40.4M+13.0%	$35.7M+4.2%	$34.3M+4.7%	$32.8M+10.6%	$29.6M+6.1%	$27.9M+9.6%	$25.5M+6.1%	$24.0M+4.9%	$22.9M+11.1%	$20.6M
SG&A Expenses	$15.4M	$15.1M+6.0%	$14.2M+3.4%	$13.8M+2.8%	$13.4M+10.3%	$12.1M+9.5%	$11.1M+6.1%	$10.5M+6.6%	$9.8M+12.2%	$8.7M+9.4%	$8.0M+14.0%	$7.0M-1.7%	$7.1M+5.9%	$6.7M+14.2%	$5.9M+7.3%	$5.5M
Interest Expense	$28.8M	$29.0M+0.9%	$28.8M+58.9%	$18.1M+341.6%	$4.1M+2.3%	$4.0M-37.4%	$6.4M-31.3%	$9.3M+52.0%	$6.1M+42.6%	$4.3M+10.4%	$3.9M+24.3%	$3.1M+4.5%	$3.0M+2.0%	$2.9M-28.4%	$4.1M-17.8%	$5.0M
Income Tax	$3.3M	$2.9M+40.1%	$2.1M-26.1%	$2.8M-34.8%	$4.3M+5.5%	$4.1M+39.2%	$2.9M+17.1%	$2.5M+9.2%	$2.3M-49.6%	$4.5M+59.1%	$2.9M-3.3%	$2.9M+18.9%	$2.5M+15.8%	$2.1M-3.8%	$2.2M+6.8%	$2.1M
Net Income	$15.2M	$13.7M+31.2%	$10.4M-17.5%	$12.7M-28.5%	$17.7M+5.5%	$16.8M+31.0%	$12.8M+17.7%	$10.9M+7.9%	$10.1M+38.1%	$7.3M+2.1%	$7.1M-3.5%	$7.4M+15.7%	$6.4M+16.0%	$5.5M-3.8%	$5.7M+11.6%	$5.1M
EPS (Basic)	N/A	$1.79+30.7%	$1.37-18.0%	$1.67-28.6%	$2.34+4.9%	$2.23+30.4%	$1.71+17.1%	$1.46+8.1%	$1.35+37.8%	$0.98+2.1%	$0.96-5.0%	$1.01+16.1%	$0.87+14.5%	$0.76-5.0%	$0.80+11.1%	$0.72
EPS (Diluted)	$2.03	$1.79+30.7%	$1.37-18.0%	$1.67-28.6%	$2.34+5.4%	$2.22+30.6%	$1.70+18.1%	$1.44+7.5%	$1.34+38.1%	$0.97+1.0%	$0.96-4.0%	$1.00+14.9%	$0.87+14.5%	$0.76-5.0%	$0.80+12.7%	$0.71
Diluted Shares (Avg)	N/A	8M+0.2%	8M+0.2%	8M+0.4%	8M+0.2%	8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$13.2M+15.9%	$12.2M+16.3%	$12.1M+17.8%	$11.7M+17.1%	$11.4M+18.4%	$10.5M+10.6%	$10.3M+8.4%	$10.0M+0.5%
SG&A Expenses	$3.8M0.0%	$3.9M+7.7%	$3.9M+7.5%	$3.8M+2.6%	$3.8M+10.1%	$3.6M+4.0%	$3.6M+23.0%	$3.7M+5.3%
Interest Expense	$7.1M-2.2%	$7.1M-0.7%	$7.2M-2.8%	$7.4M-4.5%	$7.3M+1.1%	$7.1M+11.5%	$7.4M+24.0%	$7.8M+51.6%
Income Tax	$869K+25.8%	$839K+35.1%	$776K+42.4%	$811K+52.7%	$691K+36.6%	$621K+27.5%	$545K-11.1%	$531K-20.4%
Net Income	$4.1M+20.0%	$3.7M+29.5%	$3.6M+32.7%	$3.8M+39.8%	$3.4M+37.9%	$2.9M+13.8%	$2.7M-4.3%	$2.7M-9.6%
EPS (Basic)	$0.56+24.4%	$0.50+31.6%	$0.47+34.3%	$0.50+38.9%	$0.45+36.4%	$0.38+15.2%	$0.35-7.9%	$0.36-7.7%
EPS (Diluted)	$0.56+24.4%	$0.50+31.6%	$0.47+34.3%	$0.50+38.9%	$0.45+36.4%	$0.38+15.2%	$0.35-7.9%	$0.36-7.7%
Diluted Shares (Avg)	7M-3.0%	8M-1.3%	N/A	8M+0.4%	8M+0.4%	8M+0.5%	N/A	8M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

EMYB Balance Sheet

EMYB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.8B+5.6%	$1.7B+2.9%	$1.7B+1.0%	$1.6B+0.4%	$1.6B+13.3%	$1.4B+22.6%	$1.2B+7.0%	$1.1B+10.3%	$997.0M+7.9%	$924.2M+14.9%	$804.0M+11.8%	$719.1M+7.2%	$670.8M+4.3%	$643.0M+11.7%	$575.5M
Cash & Equivalents	$112.9M+16.9%	$96.5M+22.3%	$78.9M+17.3%	$67.3M-60.3%	$169.7M+28.6%	$131.9M+229.9%	$40.0M+45.0%	$27.6M-17.8%	$33.5M+38.5%	$24.2M+24.0%	$19.5M+19.1%	$16.4M-8.1%	$17.8M-40.4%	$29.9M-35.1%	$46.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.7B+4.7%	$1.6B+3.0%	$1.6B-0.1%	$1.6B+2.7%	$1.5B+13.6%	$1.3B+23.5%	$1.1B+6.4%	$1.0B+10.4%	$917.2M+7.8%	$851.0M+15.6%	$735.9M+11.9%	$657.8M+6.6%	$616.8M+4.0%	$593.0M+11.6%	$531.1M
Long-Term Debt	N/A	N/A	N/A	N/A	$14.7M0.0%	$14.7M	N/A	N/A	$0	$0-100.0%	$3.8M+101.1%	$1.9M-51.3%	$3.9M-69.0%	$12.6M-3.8%	$13.1M
Total Equity	$127.6M+19.8%	$106.5M+0.8%	$105.7M+19.7%	$88.3M-27.9%	$122.5M+9.2%	$112.2M+12.6%	$99.6M+14.2%	$87.2M+9.3%	$79.8M+8.9%	$73.3M+7.6%	$68.1M+11.0%	$61.3M+13.5%	$54.1M+8.1%	$50.0M+12.8%	$44.3M
Retained Earnings	$133.3M+8.1%	$123.3M+6.2%	$116.0M+8.9%	$106.6M+16.5%	$91.5M+18.9%	$77.0M+17.0%	$65.8M+16.6%	$56.4M+18.5%	$47.6M+15.1%	$41.3M+17.6%	$35.2M+23.4%	$28.5M+26.5%	$22.5M+29.7%	$17.4M+45.8%	$11.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.9B+5.7%	$1.8B+5.0%	$1.8B+5.6%	$1.8B+3.7%	$1.8B+2.5%	$1.8B+6.1%	$1.7B+2.9%	$1.7B+2.3%
Cash & Equivalents	$132.9M+44.8%	$141.8M+44.9%	$112.9M+16.9%	$108.0M+17.5%	$91.8M-32.4%	$97.9M+64.5%	$96.5M+22.3%	$91.9M+18.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$1.7B+5.2%	$1.7B+4.6%	$1.7B+4.7%	$1.7B+3.4%	$1.6B+1.9%	$1.6B+6.0%	$1.6B+3.0%	$1.6B+0.7%
Total Equity	$128.1M+12.0%	$124.8M+11.0%	$127.6M+19.8%	$122.4M+6.9%	$114.3M+11.4%	$112.4M+8.3%	$106.5M+0.8%	$114.5M+33.7%
Retained Earnings	$137.1M+8.9%	$137.0M+8.6%	$133.3M+8.1%	$129.7M+7.6%	$125.9M+6.8%	$126.1M+6.4%	$123.3M+6.2%	$120.6M+6.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

EMYB Cash Flow Statement

EMYB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$15.9M	$12.8M+29.1%	$9.9M-49.0%	$19.5M-2.1%	$19.9M+30.6%	$15.2M+11.8%	$13.6M-4.7%	$14.3M+11.4%	$12.8M+23.2%	$10.4M+13.2%	$9.2M+8.2%	$8.5M+10.8%	$7.7M-0.6%	$7.7M+8.0%	$7.2M+8.7%	$6.6M
Depreciation & Amortization	N/A	$1.1M-7.1%	$1.1M+25.4%	$915K+3.6%	$883K+2.2%	$864K+13.7%	$760K-8.3%	$829K+7.1%	$774K+15.4%	$671K-8.1%	$730K+20.7%	$605K-5.9%	$643K+5.1%	$612K-0.2%	$613K-1.9%	$625K
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$39K	N/A
Capital Expenditures	$667K	$632K-14.5%	$739K-8.3%	$806K+12.1%	$719K-52.4%	$1.5M-23.8%	$2.0M+154.9%	$778K-23.7%	$1.0M+107.5%	$491K-15.5%	$581K-56.9%	$1.3M+388.4%	$276K-30.8%	$399K-34.9%	$613K+90.4%	$322K
Free Cash Flow	$15.2M	$12.2M+32.5%	$9.2M-50.8%	$18.7M-2.6%	$19.2M+39.7%	$13.7M+17.9%	$11.7M-13.9%	$13.5M+14.4%	$11.8M+19.0%	$9.9M+15.2%	$8.6M+20.4%	$7.2M-3.3%	$7.4M+1.1%	$7.3M+12.0%	$6.5M+4.5%	$6.3M
Investing Cash Flow	-$49.4M	-$67.6M-87.1%	-$36.2M-1210.7%	$3.3M+102.0%	-$161.3M-3.3%	-$156.2M+10.1%	-$173.8M-226.0%	-$53.3M+51.8%	-$110.7M-68.5%	-$65.7M+44.4%	-$118.0M	N/A	N/A	-$43.3M+48.8%	-$84.6M-148.8%	-$34.0M
Financing Cash Flow	$74.6M	$71.1M+62.4%	$43.8M+493.8%	-$11.1M-128.5%	$39.0M-78.2%	$178.7M-29.1%	$252.1M+390.3%	$51.4M-44.0%	$91.9M+42.3%	$64.6M-43.1%	$113.5M	N/A	N/A	$23.4M-61.7%	$61.2M+13.6%	$53.9M
Dividends Paid	N/A	$3.7M+14.7%	$3.2M+5.2%	$3.0M+15.0%	$2.6M+17.4%	$2.3M+37.0%	$1.6M+10.0%	$1.5M+17.6%	$1.3M+22.0%	$1.0M+8.3%	$962K+30.7%	$736K+67.3%	$440K+21.2%	$363K+99.5%	$182K-15.3%	$215K
Share Buybacks	N/A	$11K-84.7%	$72K-45.5%	$132K+32.0%	$100K-85.1%	$670K-12.4%	$765K	N/A	$658K+169.7%	$244K+149.0%	$98K	N/A	N/A	N/A	N/A	$19K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$3.2M+39.8%	$4.8M+80.0%	$3.9M+79.3%	$4.0M-29.6%	$2.3M+650.8%	$2.7M+48.6%	$2.2M-21.5%	$5.7M+0.2%
Depreciation & Amortization	$285K+6.3%	$269K+3.5%	$262K-22.3%	$275K+1.1%	$268K-0.4%	$260K-3.3%	$337K+33.7%	$272K+16.2%
Capital Expenditures	$243K-20.3%	$175K+124.4%	$128K-49.2%	$121K-22.9%	$305K+444.6%	$78K-71.5%	$252K+21.7%	$157K-11.3%
Free Cash Flow	$2.9M+49.1%	$4.7M+78.7%	$3.8M+96.2%	$3.9M-29.8%	$2.0M+697.6%	$2.6M+70.1%	$1.9M-25.0%	$5.5M+0.5%
Investing Cash Flow	-$18.8M-139.4%	-$17.3M+62.8%	-$14.6M-439.2%	$1.3M+103.8%	-$7.8M-150.9%	-$46.5M-118.3%	$4.3M-88.8%	-$34.6M-907.3%
Financing Cash Flow	$6.7M+1405.8%	$41.5M-8.3%	$15.6M+942.0%	$10.9M+172.2%	-$514K-100.8%	$45.2M+52461.6%	-$1.8M+95.4%	-$15.1M-2273.9%
Dividends Paid	N/A	N/A	$0	$0	N/A	N/A	$0	$0

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

EMYB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

EMYB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	30.0%+3.5pp	26.5%-3.9pp	30.4%-6.0pp	36.4%-0.2pp	36.6%+4.8pp	31.7%+1.3pp	30.4%+1.1pp	29.4%+7.1pp	22.3%-1.8pp	24.1%-2.4pp	26.5%+1.4pp	25.1%+2.1pp	23.0%-2.1pp	25.1%+0.1pp	24.9%
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%+0.5pp	10.9%-0.6pp	11.6%+2.4pp	9.2%-0.6pp	9.8%-1.1pp	10.9%+0.4pp	10.4%+0.2pp	10.2%-1.3pp	11.5%-0.1pp	11.6%
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%0.0pp	0.9%0.0pp	0.9%+0.2pp	0.7%0.0pp	0.8%-0.1pp	0.9%0.0pp	0.9%+0.1pp	0.8%-0.1pp	0.9%0.0pp	0.9%
Debt-to-Equity	13.11-1.9x	15.01+0.3x	14.68-2.9x	17.58+17.5x	0.120.0x	0.13-10.7x	10.81-0.8x	11.60+11.6x	0.000.0x	0.00-0.1x	0.060.0x	0.030.0x	0.07-0.2x	0.250.0x	0.30
Asset Turnover	0.030.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	26.7%+3.3pp	23.4%-21.5pp	44.9%+5.4pp	39.5%+9.5pp	29.9%+1.1pp	28.9%-9.0pp	37.9%+3.4pp	34.5%+4.1pp	30.3%+1.2pp	29.1%+3.5pp	25.7%-3.4pp	29.1%-1.4pp	30.5%+1.9pp	28.6%-1.8pp	30.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.3%+1.1pp	30.8%+3.1pp	29.5%+3.3pp	32.3%+5.2pp	30.3%+4.3pp	27.6%+0.8pp	26.2%-3.5pp	27.1%-3.0pp
Return on Equity	3.2%+0.2pp	3.0%+0.4pp	2.8%+0.3pp	3.1%+0.7pp	3.0%+0.6pp	2.6%+0.1pp	2.5%-0.1pp	2.4%-1.1pp
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	13.52-0.9x	13.76-0.8x	13.11-1.9x	13.52-0.5x	14.39-1.3x	14.60-0.3x	15.01+0.3x	13.98-4.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	22.3%+5.0pp	38.3%+13.4pp	31.0%+12.4pp	33.0%-22.0pp	17.3%+14.8pp	24.9%+8.7pp	18.6%-8.3pp	55.0%0.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
EMBASSY BANCORP INC EMYB	FY2025	$45.7M	$13.7M	30.0%	$160.6M	—
QNB Corp. QNBC	FY2025	$58.2M	$14.1M	24.2%	$287.2M	33/100

Where EMBASSY BANCORP INC Ranks

Frequently Asked Questions

What is EMBASSY BANCORP INC's annual revenue?

EMBASSY BANCORP INC (EMYB) reported $45.7M in total revenue for fiscal year 2025. This represents a 16.0% 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 INC's revenue growing?

EMBASSY BANCORP INC (EMYB) revenue grew by 16.0% year-over-year, from $39.4M to $45.7M in fiscal year 2025.

Is EMBASSY BANCORP INC profitable?

Yes, EMBASSY BANCORP INC (EMYB) reported a net income of $13.7M in fiscal year 2025, with a net profit margin of 30.0%.

What is EMBASSY BANCORP INC's net profit margin?

EMBASSY BANCORP INC (EMYB) had a net profit margin of 30.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does EMBASSY BANCORP INC pay dividends?

Yes, EMBASSY BANCORP INC (EMYB) paid $0.48 per share in dividends during fiscal year 2025.

What is EMBASSY BANCORP INC's return on equity (ROE)?

EMBASSY BANCORP INC (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 INC's free cash flow?

EMBASSY BANCORP INC (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 INC's operating cash flow?

EMBASSY BANCORP INC (EMYB) generated $12.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are EMBASSY BANCORP INC's total assets?

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

What are EMBASSY BANCORP INC's capital expenditures?

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

Does EMBASSY BANCORP INC buy back shares?

Yes, EMBASSY BANCORP INC (EMYB) spent $11K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does EMBASSY BANCORP INC have outstanding?

EMBASSY BANCORP INC (EMYB) had 8M shares outstanding as of fiscal year 2025.

What is EMBASSY BANCORP INC's debt-to-equity ratio?

EMBASSY BANCORP INC (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 INC's return on assets (ROA)?

EMBASSY BANCORP INC (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 INC's P/E ratio?

EMBASSY BANCORP INC (EMYB) trades at 10.5x earnings, its market capitalization divided by net income of $15.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $160.6M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is EMBASSY BANCORP INC's price-to-sales ratio?

EMBASSY BANCORP INC (EMYB) trades at 3.3x sales, its market capitalization divided by revenue of $49.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $160.6M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is EMBASSY BANCORP INC's Piotroski F-Score?

EMBASSY BANCORP INC (EMYB) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 INC's earnings high quality?

EMBASSY BANCORP INC (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.