Embassy Bancorp, Inc.
EMYB · OTC
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $67,912 | $59,571 | $52,514 | $49,604 |
| % Growth | 14% | 13.4% | 5.9% | – |
| Cost of Goods Sold | $28,354 | $17,940 | $4,998 | $4,927 |
| Gross Profit | $39,558 | $41,631 | $47,516 | $44,677 |
| % Margin | 58.2% | 69.9% | 90.5% | 90.1% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $15,039 | $14,532 | $13,871 | $12,704 |
| SG&A Expenses | $15,967 | $15,518 | $14,680 | $13,691 |
| Sales & Mktg Exp. | $928 | $986 | $809 | $987 |
| Other Operating Expenses | $11,082 | $10,658 | $10,843 | $10,134 |
| Operating Expenses | $27,049 | $26,176 | $25,523 | $23,825 |
| Operating Income | $12,509 | $15,455 | $21,993 | $20,852 |
| % Margin | 18.4% | 25.9% | 41.9% | 42% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $12,509 | $15,455 | $21,993 | $20,852 |
| Tax Expense | $2,069 | $2,799 | $4,291 | $4,066 |
| Net Income | $10,440 | $12,656 | $17,702 | $16,786 |
| % Margin | 15.4% | 21.2% | 33.7% | 33.8% |
| EPS | 1.37 | 1.67 | 2.34 | 2.23 |
| % Growth | -18% | -28.6% | 4.9% | – |
| EPS Diluted | 1.37 | 1.67 | 2.34 | 2.22 |
| Weighted Avg Shares Out | 7,614 | 7,600 | 7,545 | 7,518 |
| Weighted Avg Shares Out Dil | 7,614 | 7,600 | 7,571 | 7,555 |
| Supplemental Information | – | – | – | – |
| Interest Income | $64,971 | $57,157 | $50,385 | $47,506 |
| Interest Expense | $28,787 | $18,118 | $4,103 | $4,012 |
| Depreciation & Amortization | $1,147 | $915 | $883 | $864 |
| EBITDA | $13,656 | $16,370 | $22,876 | $21,716 |
| % Margin | 20.1% | 27.5% | 43.6% | 43.8% |