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

FY2025 annual

Revenue $71.5M +10.0% YoY

Net Income $13.7M +31.2% YoY

EPS (Diluted) $1.79 +30.7% YoY

Free Cash Flow $12.2M +32.5% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Embassy Bancorp (EMYB) reported $71.5M in revenue for fiscal year 2025, up 10.0% from the prior fiscal year. 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 2026-05-13

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 health score not available

Embassy Bancorp 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 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 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.

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

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 CAGR0.0%

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

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

EMYB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

EMYB annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$74.5M	$71.5M+10.0%	$65.0M+13.7%	$57.2M+13.4%	$50.4M+6.1%	$47.5M+7.2%	$44.3M+3.4%	$42.9M+10.8%	$38.7M+13.5%	$34.1M+12.4%	$30.3M+7.3%	$28.3M+8.5%	$26.1M+5.6%	$24.7M+0.7%	$24.5M+3.3%	$23.7M
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 (Diluted)	—	$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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$19.2M+4.0%	$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
SG&A Expenses	$3.8M-1.0%	$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
Interest Expense	$7.1M+1.1%	$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
Income Tax	$869K+3.6%	$839K+8.1%	$776K-4.3%	$811K+17.4%	$691K+11.3%	$621K+13.9%	$545K+2.6%	$531K
Net Income	$4.1M+10.3%	$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
EPS (Diluted)	$0.56+12.0%	$0.50	N/A	$0.50+11.1%	$0.45+18.4%	$0.38	N/A	$0.36

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

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

EMYB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

EMYB annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.9B+0.9%	$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
Cash & Equivalents	$132.9M-6.3%	$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
Total Liabilities	$1.7B+0.8%	$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
Total Equity	$128.1M+2.6%	$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
Retained Earnings	$137.1M0.0%	$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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.

EMYB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

EMYB annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$3.2M-34.2%	$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
Capital Expenditures	$243K+38.9%	$175K+36.7%	$128K+5.8%	$121K-60.3%	$305K+291.0%	$78K-69.0%	$252K+60.5%	$157K
Free Cash Flow	$2.9M-36.9%	$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
Investing Cash Flow	-$18.8M-8.4%	-$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
Financing Cash Flow	$6.7M-83.8%	$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
Dividends Paid	N/A	N/A	$0	$0	N/A	N/A	$0	$0

EMYB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

EMYB annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	19.2%+3.1pp	16.1%-6.1pp	22.1%-13.0pp	35.1%-0.2pp	35.3%+6.4pp	28.9%+3.5pp	25.4%-0.7pp	26.1%+4.6pp	21.4%-2.1pp	23.6%-2.6pp	26.2%+1.6pp	24.6%+2.2pp	22.4%-1.1pp	23.4%+1.7pp	21.7%
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
FCF Margin	17.1%+2.9pp	14.2%-18.5pp	32.7%-5.4pp	38.1%+9.2pp	28.9%+2.6pp	26.3%-5.3pp	31.6%+1.0pp	30.6%+1.4pp	29.1%+0.7pp	28.4%+3.1pp	25.4%-3.1pp	28.4%-1.3pp	29.7%+3.0pp	26.7%+0.3pp	26.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	21.4%+1.2pp	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%
Return on Equity	3.2%+0.2pp	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%
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	0.2%
Debt-to-Equity	13.52-0.2x	13.76+0.6x	13.11-0.4x	13.52-0.9x	14.39-0.2x	14.60-0.4x	15.01+1.0x	13.98
FCF Margin	15.3%-9.9pp	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%

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

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Where Embassy Bancorp Ranks

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 10.0% 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 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'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.