Embassy Bancorp, Inc.
EMYB · OTC
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $18,255 | $18,573 | $17,492 | $17,659 |
| % Growth | -1.7% | 6.2% | -0.9% | – |
| Cost of Goods Sold | $0 | $7,129 | $7,157 | $7,378 |
| Gross Profit | $0 | $11,444 | $10,335 | $10,281 |
| % Margin | 0% | 61.6% | 59.1% | 58.2% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $259 | $4,023 | $3,783 | $1,735 |
| SG&A Expenses | $474 | $4,241 | $4,007 | $2,038 |
| Sales & Mktg Exp. | $215 | $218 | $224 | $303 |
| Other Operating Expenses | $17,781 | $3,075 | $2,820 | $5,000 |
| Operating Expenses | $18,255 | $7,316 | $6,827 | $7,038 |
| Operating Income | $0 | $4,128 | $3,508 | $3,243 |
| % Margin | 0% | 22.2% | 20.1% | 18.4% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $4,604 | $4,128 | $3,508 | $3,243 |
| Tax Expense | $811 | $691 | $621 | $545 |
| Net Income | $3,793 | $3,437 | $2,887 | $2,698 |
| % Margin | 20.8% | 18.5% | 16.5% | 15.3% |
| EPS | 0.5 | 0.45 | 0.38 | 0.35 |
| % Growth | 11.1% | 18.4% | 8.6% | – |
| EPS Diluted | 0.5 | 0.45 | 0.38 | 0.35 |
| Weighted Avg Shares Out | 7,644 | 7,644 | 7,637 | 7,620 |
| Weighted Avg Shares Out Dil | 7,644 | 7,644 | 7,637 | 7,620 |
| Supplemental Information | – | – | – | – |
| Interest Income | $0 | $17,726 | $16,938 | $16,833 |
| Interest Expense | $7,404 | $7,307 | $7,110 | $7,426 |
| Depreciation & Amortization | $558 | $268 | $260 | $337 |
| EBITDA | $558 | $4,396 | $3,768 | $3,580 |
| % Margin | 3.1% | 23.7% | 21.5% | 20.3% |