EMYBOTCState Commercial BanksFiscal year ends December 31
Embassy Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$21.25+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $157.51M
- P/E (TTM)
- 10.5
- Dividend yield
- 2.26%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
30.0%−1.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +16.0% | -2.1% | +2.5% | +5.0% | |
| Net income | +31.2% | -8.2% | +1.3% | +6.3% | |
| EPS, diluted | +30.7% | -8.5% | +1.0% | +6.0% | |
| Free cash flow | +32.5% | -14.0% | +0.9% | +5.5% | |
| Dividend per share | +14.3% | +11.1% | +16.9% | +17.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.1% | 12.1% | 11.7% | |
| Return on assets | 0.8% | 1.0% | 0.8% | |
| Capex to revenue | 2.0% | 4.9% | 1.4% | |
| Diluted shares | 7M | 8M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Embassy Bancorp generated $77.44M from operations and spent $20.20M on capital expenditure, dividends and share buybacks. 22% of that went back into the business.
Generated
$77.44M
Used
$20.20M
Capital expenditure$4.41M22%Dividends$14.81M73%Share buybacks$985.00K5%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin30.0%
×Asset turnover0.03×
×Equity multiplier14.98×
=Return on equity, FY202511.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 30.0% | 0.03× | 14.98× | 11.7% |
| FY2024 | 26.5% | 0.02× | 15.84× | 9.8% |
| FY2023 | 30.4% | 0.03× | 17.00× | 13.1% |
| FY2022 | 36.4% | 0.03× | 15.53× | 16.8% |
| FY2021 | 36.6% | 0.03× | 13.10× | 14.3% |
| FY2020 | 31.7% | 0.03× | 12.36× | 12.1% |
| FY2019 | 30.5% | 0.03× | 12.18× | 11.6% |
| FY2018 | 29.4% | 0.03× | 12.55× | 12.1% |
| FY2017 | 22.3% | 0.03× | 12.55× | 9.5% |
| FY2016 | 24.1% | 0.03× | 12.22× | 10.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$13.70M
- Cash generatingOperating cash flow above zero$12.83M
- Return on assets improvedROA up on the prior year0.6% → 0.8%
- Earnings backed by cashOperating cash flow above net income$12.83M vs $13.70M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.03