Embassy Bancorp, Inc. financial data

Symbol
EMYB on OTC
Location
Bethlehem, PA
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 16 Mar 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 1388% % -6.8%
Return On Assets 0.77% % 26%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 7,563,375 shares -1%
Common Stock, Shares, Outstanding 7,547,344 shares -1%
Entity Public Float $87,881,471 USD 21%
Common Stock, Value, Issued $7,823,000 USD 0.38%
Weighted Average Number of Shares Outstanding, Basic 7,632,842 shares 0.24%
Weighted Average Number of Shares Outstanding, Diluted 7,632,842 shares 0.24%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $16,596,000 USD 33%
Income Tax Expense (Benefit) $2,899,000 USD 40%
Net Income (Loss) Attributable to Parent $13,697,000 USD 31%
Earnings Per Share, Basic 1.79 USD/shares 31%
Earnings Per Share, Diluted 1.79 USD/shares 31%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net $2,879,000 USD -13%
Operating Lease, Right-of-Use Asset $4,500,000 USD -25%
Assets $1,800,579,000 USD 5.6%
Liabilities $1,673,004,000 USD 4.7%
Accumulated Other Comprehensive Income (Loss), Net of Tax $38,098,000 USD 25%
Retained Earnings (Accumulated Deficit) $133,287,000 USD 8.1%
Stockholders' Equity Attributable to Parent $127,575,000 USD 20%
Liabilities and Equity $1,800,579,000 USD 5.6%

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 7,822,622 shares 0.38%
Common Stock, Par or Stated Value Per Share 1 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $112,859,000 USD 17%
Interest Paid, Excluding Capitalized Interest, Operating Activities $8,071,000 USD 3.2%
Deferred Tax Assets, Gross $15,457,000 USD -19%
Operating Lease, Liability $4,523,000 USD -25%
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 $26,234,000 USD 648%
Lessee, Operating Lease, Liability, to be Paid $4,825,000 USD -25%
Property, Plant and Equipment, Gross $11,330,000 USD 2.8%
Lessee, Operating Lease, Liability, to be Paid, Year Two $955,000 USD -49%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,916,000 USD 0.84%
Operating Lease, Weighted Average Discount Rate, Percent 0.035 pure 1.2%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $302,000 USD -34%
Lessee, Operating Lease, Liability, to be Paid, Year Three $865,000 USD -4.3%
Lessee, Operating Lease, Liability, to be Paid, Year Four $695,000 USD -15%
Additional Paid in Capital $29,223,000 USD 1.5%
Interest Expense $21,625,000 USD 256%