Embassy Bancorp, Inc. financial data

Symbol
EMYB on OTC
Location
Bethlehem, PA
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 13 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 1435% % -3%
Return On Assets 0.73% % 18%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 7,646,114 shares 0.36%
Common Stock, Shares, Outstanding 7,646,114 shares 0.36%
Entity Public Float $72,465,972 USD -9.8%
Common Stock, Value, Issued $7,813,000 USD 0.41%
Weighted Average Number of Shares Outstanding, Basic 7,645,258 shares 0.36%
Weighted Average Number of Shares Outstanding, Diluted 7,645,258 shares 0.36%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $15,483,000 USD 22%
Income Tax Expense (Benefit) $2,668,000 USD 25%
Net Income (Loss) Attributable to Parent $12,815,000 USD 21%
Earnings Per Share, Basic 1 USD/shares 20%
Earnings Per Share, Diluted 1 USD/shares 20%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net $3,014,000 USD -12%
Operating Lease, Right-of-Use Asset $6,000,000 USD -7.7%
Assets $1,778,059,000 USD 3.7%
Liabilities $1,655,625,000 USD 3.4%
Accumulated Other Comprehensive Income (Loss), Net of Tax $41,532,000 USD -4%
Retained Earnings (Accumulated Deficit) $129,707,000 USD 7.6%
Stockholders' Equity Attributable to Parent $122,434,000 USD 6.9%
Liabilities and Equity $1,778,059,000 USD 3.7%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $2,684,000 USD 49%
Net Cash Provided by (Used in) Financing Activities $45,203,000 USD 52462%
Net Cash Provided by (Used in) Investing Activities $46,506,000 USD -118%
Common Stock, Shares Authorized 20,000,000 shares 0%
Common Stock, Shares, Issued 7,812,476 shares 0.41%
Common Stock, Par or Stated Value Per Share 1 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $107,997,000 USD 18%
Interest Paid, Excluding Capitalized Interest, Operating Activities $8,071,000 USD 3.2%
Deferred Tax Assets, Gross $19,006,000 USD 10%
Operating Lease, Liability $6,018,000 USD -8.8%
Depreciation $260,000 USD -3.3%
Payments to Acquire Property, Plant, and Equipment $78,000 USD -72%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $11,200,000 USD -65%
Lessee, Operating Lease, Liability, to be Paid $6,473,000 USD -8.4%
Property, Plant and Equipment, Gross $11,019,000 USD -11%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,878,000 USD 11%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,900,000 USD 1.1%
Operating Lease, Weighted Average Discount Rate, Percent 0.03 pure 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $455,000 USD -5%
Lessee, Operating Lease, Liability, to be Paid, Year Three $904,000 USD -44%
Lessee, Operating Lease, Liability, to be Paid, Year Four $814,000 USD 26%
Additional Paid in Capital $29,185,000 USD 1.6%
Interest Expense $21,625,000 USD 256%