EMYB · XBRL financial data
Embassy Bancorp financial statements, every quarter
The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal quarters (EMYB's year ends in late December)
| In millions of dollars | Sep 30, 2023 | Dec 31, 2023 | Mar 31, 2024 | Jun 30, 2024 | Sep 30, 2024 | Dec 31, 2024 | Mar 31, 2025 | Jun 30, 2025 | Sep 30, 2025 | Dec 31, 2025 | Mar 31, 2026 | Jun 30, 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | 5 | 6* | 6 | — | — | — | — | — | — | — | — | — |
| Income tax expense (benefit) | 1 | 1* | 0 | 1 | 1 | 1* | 1 | 1 | 1 | 1* | 1 | 1 |
| Net income (loss) | 3 | 3* | 3 | 2 | 3 | 3* | 3 | 3 | 4 | 4* | 4 | 4 |
| Earnings per share, basic USD per share | 0.39 | 0.37* | 0.33 | 0.33 | 0.36 | 0.35* | 0.38 | 0.45 | 0.50 | 0.47* | 0.50 | 0.56 |
| Earnings per share, diluted USD per share | 0.39 | 0.37* | 0.33 | 0.33 | 0.36 | 0.35* | 0.38 | 0.45 | 0.50 | 0.47* | 0.50 | 0.56 |
| Weighted average shares, basic millions of shares | 8 | 8* | 8 | 8 | 8 | 8* | 8 | 8 | 8 | 8* | 8 | 7 |
| Weighted average shares, diluted millions of shares | 8 | 8* | 8 | 8 | 8 | 8* | 8 | 8 | 8 | 8* | 8 | 7 |
Balance sheet
CSVFiscal quarters (EMYB's year ends in late December)
| In millions of dollars | Sep 30, 2023 | Dec 31, 2023 | Mar 31, 2024 | Jun 30, 2024 | Sep 30, 2024 | Dec 31, 2024 | Mar 31, 2025 | Jun 30, 2025 | Sep 30, 2025 | Dec 31, 2025 | Mar 31, 2026 | Jun 30, 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and cash equivalents | 78 | 79 | 60 | 136 | 92 | 97 | 98 | 92 | 108 | 113 | 142 | 133 |
| Property and equipment, net | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Right-of-use asset | — | 7 | — | — | — | 6 | — | — | — | 5 | — | — |
| Total assets | 1,676 | 1,656 | 1,653 | 1,717 | 1,715 | 1,704 | 1,754 | 1,759 | 1,778 | 1,801 | 1,842 | 1,859 |
| Total deposits | 1,472 | 1,476 | 1,509 | 1,568 | 1,535 | 1,553 | 1,612 | 1,610 | 1,621 | 1,640 | 1,682 | 1,694 |
| Total liabilities | 1,590 | 1,551 | 1,549 | 1,614 | 1,601 | 1,598 | 1,642 | 1,645 | 1,656 | 1,673 | 1,717 | 1,731 |
| Retained earnings | 113 | 116 | 119 | 118 | 121 | 123 | 126 | 126 | 130 | 133 | 137 | 137 |
| Total stockholders' equity | 86 | 106 | 104 | 103 | 114 | 106 | 112 | 114 | 122 | 128 | 125 | 128 |
| Total liabilities and equity | 1,676 | 1,656 | 1,653 | 1,717 | 1,715 | 1,704 | 1,754 | 1,759 | 1,778 | 1,801 | 1,842 | 1,859 |
| Common shares outstanding (cover page) millions of shares | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 7 |
Cash flows
CSVFiscal quarters (EMYB's year ends in late December)
| In millions of dollars | Sep 30, 2023 | Dec 31, 2023 | Mar 31, 2024 | Jun 30, 2024 | Sep 30, 2024 | Dec 31, 2024 | Mar 31, 2025 | Jun 30, 2025 | Sep 30, 2025 | Dec 31, 2025 | Mar 31, 2026 | Jun 30, 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net income (loss) | 3 | 3* | 3 | 2 | 3 | 3* | 3 | 3 | 4 | 4* | 4 | 4 |
| Net cash from operating activities | 6* | 3* | 2 | 0* | 6* | 2* | 3 | 2* | 4* | 4* | 5 | 3* |
| Purchases of property and equipment | 0* | 0* | 0 | 0* | 0* | 0* | 0 | 0* | 0* | 0* | 0 | 0* |
| Net cash from investing activities | (3)* | 38* | (21) | 15* | (35)* | 4* | (47) | (8)* | 1* | (15)* | (17) | (19)* |
| Share repurchases | — | year only | — | — | — | year only | — | — | — | year only | — | — |
| Dividends paid | — | 0* | — | — | — | 0* | — | — | — | 0* | — | — |
| Net cash from financing activities | 1* | (40)* | 0 | 61* | (15)* | (2)* | 45 | (1)* | 11* | 16* | 41 | 7* |
Compare with peers
SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- * marks a quarter worked out from the filing totals: for a 10-K, the year less the first three quarters; for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Embassy Bancorp | 133 | not reported | 3.2* | 7.4M | 10-QJun 30, 2026 |
| Community Bancorp | 26 | not reported | 5.3* | 5.6M | 10-QJun 30, 2026 |
| First Keystone | 188 | not reported | 2.7* | 6.3M | 10-QJun 30, 2026 |
| Skyline Bankshares | 20 | not reported | 5.2* | 5.7M | 10-QJun 30, 2026 |
| Chain Bridge Bancorp | 822 | not reported | 9* | not reported | 10-QJun 30, 2026 |
| Pathfinder Bancorp | 26 | not reported | 2.3* | not reported | 10-QJun 30, 2026 |
| Tri-County Financial Group | 61 | not reported | 6.6* | 2.4M | 10-QJun 30, 2026 |
| United Security Bancshares | 121 | not reported | 3.4* | 17.3M | 10-KDec 31, 2025 |
| QNB | 79 | not reported | 6.9* | 5.0M | 10-QJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.