Embassy Bancorp, Inc. (EMYB)
OTCMKTS
· Delayed Price · Currency is USD
19.56
-0.49 (-2.44%)
Mar 9, 2026, 12:14 PM EST
Embassy Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 57.26 | 54.29 | 48.72 | 42.21 | 43.57 | 41.99 | Upgrade
|
| Interest Income on Investments | 12.5 | 10.68 | 8.44 | 8.18 | 3.93 | 2.34 | Upgrade
|
| Total Interest Income | 69.75 | 64.97 | 57.16 | 50.39 | 47.51 | 44.33 | Upgrade
|
| Interest Paid on Deposits | 29.01 | 28.23 | 17.61 | 4.06 | 3.88 | 6.13 | Upgrade
|
| Interest Paid on Borrowings | 0.24 | 0.56 | 0.5 | 0.04 | 0.13 | 0.29 | Upgrade
|
| Total Interest Expense | 29.25 | 28.79 | 18.12 | 4.1 | 4.01 | 6.41 | Upgrade
|
| Net Interest Income | 40.51 | 36.18 | 39.04 | 46.28 | 43.49 | 37.92 | Upgrade
|
| Net Interest Income Growth (YoY) | 13.92% | -7.31% | -15.65% | 6.41% | 14.71% | 13.07% | Upgrade
|
| Gain (Loss) on Sale of Investments | - | - | - | - | 0.02 | 0.13 | Upgrade
|
| Other Non-Interest Income | 3.05 | 2.86 | 2.27 | 1.99 | 1.95 | 1.99 | Upgrade
|
| Total Non-Interest Income | 3.35 | 3.19 | 2.63 | 2.34 | 2.4 | 2.45 | Upgrade
|
| Non-Interest Income Growth (YoY) | 10.97% | 21.15% | 12.21% | -2.38% | -1.84% | 11.49% | Upgrade
|
| Revenues Before Loan Losses | 43.85 | 39.37 | 41.67 | 48.63 | 45.89 | 40.36 | Upgrade
|
| Provision for Loan Losses | -0.15 | -0.43 | -0.18 | 0.9 | 0.92 | 2.52 | Upgrade
|
| Revenue | 44 | 39.8 | 41.85 | 47.73 | 44.98 | 37.84 | Upgrade
|
| Revenue Growth (YoY) | 12.99% | -4.88% | -12.33% | 6.12% | 18.86% | 7.75% | Upgrade
|
| Salaries and Employee Benefits | 14.42 | 13.73 | 13.2 | 12.88 | 11.72 | 10.81 | Upgrade
|
| Occupancy Expenses | 2.47 | 2.34 | 2.09 | 1.96 | 1.88 | 1.62 | Upgrade
|
| Federal Deposit Insurance | 0.81 | 0.79 | 0.76 | 0.47 | 0.56 | 0.39 | Upgrade
|
| Selling, General & Administrative | 7.72 | 7.29 | 7.38 | 7.29 | 6.99 | 6.51 | Upgrade
|
| Other Non-Interest Expense | 2.13 | 2.22 | 2.02 | 2.21 | 2.11 | 1.9 | Upgrade
|
| Total Non-Interest Expense | 28.52 | 27.29 | 26.39 | 25.74 | 24.13 | 22.11 | Upgrade
|
| EBT Excluding Unusual Items | 15.48 | 12.51 | 15.46 | 21.99 | 20.85 | 15.73 | Upgrade
|
| Pretax Income | 15.48 | 12.51 | 15.46 | 21.99 | 20.85 | 15.73 | Upgrade
|
| Income Tax Expense | 2.67 | 2.07 | 2.8 | 4.29 | 4.07 | 2.92 | Upgrade
|
| Net Income | 12.82 | 10.44 | 12.66 | 17.7 | 16.79 | 12.81 | Upgrade
|
| Net Income to Common | 12.82 | 10.44 | 12.66 | 17.7 | 16.79 | 12.81 | Upgrade
|
| Net Income Growth | 21.33% | -17.51% | -28.51% | 5.46% | 31.04% | 17.75% | Upgrade
|
| Basic Shares Outstanding | 8 | 8 | 8 | 8 | 8 | 7 | Upgrade
|
| Diluted Shares Outstanding | 8 | 8 | 8 | 8 | 8 | 8 | Upgrade
|
| Shares Change (YoY) | 0.35% | 0.19% | 0.38% | 0.22% | 0.41% | -0.27% | Upgrade
|
| EPS (Basic) | 1.68 | 1.37 | 1.67 | 2.34 | 2.23 | 1.71 | Upgrade
|
| EPS (Diluted) | 1.67 | 1.37 | 1.67 | 2.34 | 2.22 | 1.70 | Upgrade
|
| EPS Growth | 20.33% | -17.73% | -28.83% | 5.41% | 30.59% | 18.06% | Upgrade
|
| Dividend Per Share | 0.480 | 0.420 | 0.400 | 0.350 | 0.300 | 0.220 | Upgrade
|
| Dividend Growth | 14.29% | 5.00% | 14.29% | 16.67% | 36.36% | 10.00% | Upgrade
|
| Effective Tax Rate | 17.23% | 16.54% | 18.11% | 19.51% | 19.50% | 18.57% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.