Embassy Bancorp, Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Embassy Bancorp, Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $13.70M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $10.44M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $12.66M | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | $17.70M | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | $16.79M | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $12.81M | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | $10.88M | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | $10.08M | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | $7.30M | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | $7.15M | Mar 15, 2018 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $12.83M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $9.94M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $19.50M | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | $19.91M | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | $15.25M | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $13.63M | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | $14.30M | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | $12.84M | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | $10.42M | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | $9.20M | Mar 15, 2018 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $632.0K | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $739.0K | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $806.0K | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | $719.0K | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | $1.51M | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $1.98M | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | $778.0K | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | $1.02M | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | $491.0K | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | $581.0K | Mar 15, 2018 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.80B | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $1.70B | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $1.66B | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | $1.64B | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | $1.63B | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $1.44B | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | $1.18B | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | $1.10B | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | $996.97M | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | $924.23M | Mar 15, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.67B | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $1.60B | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $1.55B | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | $1.55B | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | $1.51B | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $1.33B | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | $1.08B | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | $1.01B | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | $917.20M | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | $850.96M | Mar 15, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $127.58M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $106.48M | Mar 16, 2026 |
| FY2025 | Dec 31, 2023 | $105.66M | Mar 16, 2026 |
| FY2024 | Dec 31, 2022 | $88.28M | Mar 17, 2025 |
| FY2023 | Dec 31, 2021 | $122.52M | Mar 28, 2024 |
| FY2022 | Dec 31, 2020 | $112.17M | Mar 17, 2023 |
| FY2021 | Dec 31, 2019 | $99.62M | Mar 18, 2022 |
| FY2020 | Dec 31, 2018 | $87.23M | Mar 12, 2021 |
| FY2019 | Dec 31, 2017 | $79.77M | Mar 11, 2020 |
| FY2018 | Dec 31, 2016 | $73.28M | Mar 13, 2019 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $133.29M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | $123.26M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | $116.02M | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | $106.55M | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | $91.49M | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $76.96M | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | $65.79M | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | $56.41M | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | $47.60M | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | $41.34M | Mar 15, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2018 | Dec 31, 2018 | $27.58M | Mar 13, 2019 |
| FY2018 | Dec 31, 2017 | $33.53M | Mar 13, 2019 |
| FY2018 | Dec 31, 2016 | $24.22M | Mar 13, 2019 |
| FY2017 | Dec 31, 2015 | $19.53M | Mar 15, 2018 |
| FY2016 | Dec 31, 2014 | $16.39M | Mar 30, 2017 |
| FY2015 | Dec 31, 2013 | $17.83M | Mar 30, 2016 |
| FY2014 | Dec 31, 2012 | $29.94M | Mar 30, 2015 |
| FY2013 | Dec 31, 2011 | $46.14M | Mar 28, 2014 |
| FY2012 | Dec 31, 2010 | $19.64M | Mar 28, 2013 |
| FY2011 | Dec 31, 2009 | $26.46M | Mar 30, 2012 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2022 | Dec 31, 2021 | $14.65M | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | $14.65M | Mar 18, 2022 |
| FY2017 | Dec 31, 2017 | $0 | Mar 15, 2018 |
| FY2017 | Dec 31, 2016 | $0 | Mar 15, 2018 |
| FY2016 | Dec 31, 2015 | $3.82M | Mar 30, 2017 |
| FY2015 | Dec 31, 2014 | $1.90M | Mar 30, 2016 |
| FY2014 | Dec 31, 2013 | $3.90M | Mar 30, 2015 |
| FY2013 | Dec 31, 2012 | $12.59M | Mar 28, 2014 |
| FY2012 | Dec 31, 2011 | $13.09M | Mar 28, 2013 |
| FY2011 | Dec 31, 2010 | $13.59M | Mar 30, 2012 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | 1 | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | 2 | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | 2 | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | 1 | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | 1 | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | 1 | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 15, 2018 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | 1 | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | 2 | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | 2 | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | 1 | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | 1 | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | 1 | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 15, 2018 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 7.55M | Mar 16, 2026 |
| FY2025 | Dec 31, 2024 | 7.63M | Mar 16, 2026 |
| FY2024 | Dec 31, 2023 | 7.60M | Mar 17, 2025 |
| FY2023 | Dec 31, 2022 | 7.59M | Mar 28, 2024 |
| FY2022 | Dec 31, 2021 | 7.54M | Mar 17, 2023 |
| FY2021 | Dec 31, 2020 | 7.53M | Mar 18, 2022 |
| FY2020 | Dec 31, 2019 | 7.48M | Mar 12, 2021 |
| FY2019 | Dec 31, 2018 | 7.46M | Mar 11, 2020 |
| FY2018 | Dec 31, 2017 | 7.47M | Mar 13, 2019 |
| FY2017 | Dec 31, 2016 | 7.44M | Mar 15, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2011 | Dec 31, 2011 | $215.0K | Mar 30, 2012 |
| FY2011 | Dec 31, 2010 | $141.0K | Mar 30, 2012 |