OTC · Financial Statements
Embassy Bancorp, Inc. (EMYB) Financial Statements
$21.90
OTC: EMYB
Market Cap $162.38M
Overview Financials Dividend Embassy Bancorp, Inc. most recently reported annual revenue of $75.0M, net profit of $14.0M, revenue has compounded at 9.8% a year over the last five years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.
Annual Financials (USD)
Metric 2021 2022 2023 2024 2025 Revenue $50.0M $53.0M $60.0M $68.0M $75.0M Operating Profit $21.0M $22.0M $15.0M $13.0M $17.0M Net Profit $17.0M $18.0M $13.0M $10.0M $14.0M EPS $2.22 $2.34 $1.67 $1.37 $1.79 Op Margin 42.0% 41.9% 25.9% 18.4% 22.2%
Balance Sheet (USD)
Metric 2021 2022 2023 2024 2025 Total Assets $1.6B $1.6B $1.7B $1.7B $1.8B Total Liabilities $1.5B $1.6B $1.6B $1.6B $1.7B Cash $169.0M $66.0M $78.0M $96.0M $13.0M Borrowings $26.0M $13.0M $50.0M $21.0M $14.0M
Cash Flow (USD)
Metric 2021 2022 2023 2024 2025 Operating Cash Flow $15.0M $20.0M $19.0M $10.0M $13.0M Investing Cash Flow $-158.0M $-162.0M $2.0M $-37.0M $-68.0M Financing Cash Flow $232.0M $56.0M $-43.0M $66.0M $85.0M Net Cash Flow $38.0M $-102.0M $12.0M $18.0M $16.0M Free Cash Flow $14.0M $19.0M $19.0M $9.0M $12.0M
Valuation & Return Ratios
Metric Value PEG Ratio 0.33 EV / EBITDA — FCF Yield — Quick Ratio — Interest Coverage — Return 1Y 40.39% Return 3Y 62.09% Return 5Y 23.54%
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