EMYB · XBRL financial data
Embassy Bancorp financial statements, every fiscal year
The same tables from 6 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 years (EMYB's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Interest expense | 6 | 4 | 4 | 18 | — | — |
| Income tax expense (benefit) | 3 | 4 | 4 | 3 | 2 | 3 |
| Net income (loss) | 13 | 17 | 18 | 13 | 10 | 14 |
| Earnings per share, basic USD per share | 1.71 | 2.23 | 2.34 | 1.67 | 1.37 | 1.79 |
| Earnings per share, diluted USD per share | 1.70 | 2.22 | 2.34 | 1.67 | 1.37 | 1.79 |
| Weighted average shares, basic millions of shares | 7 | 8 | 8 | 8 | 8 | 8 |
| Weighted average shares, diluted millions of shares | — | 8 | 8 | 8 | 8 | 8 |
Balance sheet
CSVFiscal years (EMYB's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 132 | 170 | 67 | 79 | 97 | 113 |
| Property and equipment, net | 3 | 4 | 4 | 4 | 3 | 3 |
| Right-of-use asset | 9 | 9 | 7 | 7 | 6 | 5 |
| Total assets | 1,442 | 1,633 | 1,640 | 1,656 | 1,704 | 1,801 |
| Total deposits | 1,232 | 1,467 | 1,521 | 1,476 | 1,553 | 1,640 |
| Total liabilities | 1,330 | 1,511 | 1,552 | 1,551 | 1,598 | 1,673 |
| Retained earnings | 77 | 91 | 107 | 116 | 123 | 133 |
| Total stockholders' equity | 112 | 123 | 88 | 106 | 106 | 128 |
| Total liabilities and equity | 1,442 | 1,633 | 1,640 | 1,656 | 1,704 | 1,801 |
| Common shares outstanding (cover page) millions of shares | 8 | 8 | 8 | 8 | 8 | 8 |
Cash flows
CSVFiscal years (EMYB's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 13 | 17 | 18 | 13 | 10 | 14 |
| Net cash from operating activities | 14 | 15 | 20 | 19 | 10 | 13 |
| Purchases of property and equipment | 2 | 2 | 1 | 1 | 1 | 1 |
| Net cash from investing activities | (174) | (156) | (161) | 3 | (36) | (68) |
| Share repurchases | 1 | 1 | 0 | 0 | 0 | 0 |
| Dividends paid | 2 | 2 | 3 | 3 | 3 | 4 |
| Proceeds from long-term debt | 15 | — | — | — | — | — |
| Repayments of long-term debt | — | — | 15 | — | — | — |
| Net cash from financing activities | 252 | 179 | 39 | (11) | 44 | 71 |
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.