Embassy Bancorp, Inc. - Understand $emyb stock

$EMYB Market Cap: $125.3 Million

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Financial Snapshot

Revenue

$48.14M

TTM

Gross Margin

Net Earnings

$10.56M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.715B

Q3 2024

Total Liabilities

$1.601B

Q3 2024

Book Value

$114.5M

Q3 2024

Cash

$91.91M

Q3 2024

P/E

11.87

Nov 22, 2024 EST

Free Cash Flow

$4.332M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$57.16M	$50.39M	$47.51M	$44.33M	$42.86M	$38.69M	$34.08M
YoY Change	13.44%	6.06%	7.17%	3.42%	10.78%	13.53%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$57.16M	$50.39M	$47.51M	$44.33M	$42.86M	$38.69M	$34.08M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$915.0K	$883.0K	$864.0K	$760.0K	$829.0K	$774.0K	$671.0K	$730.0K	$610.0K	$640.0K	$610.0K	$610.0K	$630.0K
YoY Change	3.62%	2.2%	13.68%	-8.32%	7.11%	15.35%	-8.08%	19.67%	-4.69%	4.92%	0.0%	-3.17%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017
Interest Expense	$18.12M	$4.103M	$4.012M	$6.413M	$9.329M	$6.137M	$4.305M
YoY Change	341.58%	2.27%	-37.44%	-31.26%	52.01%	42.56%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Pretax Income	$15.46M	$21.99M	$20.85M	$15.73M	$13.37M	$12.36M	$11.83M	$10.00M	$10.36M	$8.880M	$7.660M	$7.970M	$7.230M
YoY Change	-29.73%	5.47%	32.55%	17.63%	8.17%	4.47%	18.34%	-3.47%	16.67%	15.93%	-3.89%	10.24%
Income Tax	$2.799M	$4.291M	$4.066M	$2.921M	$2.494M	$2.284M	$4.534M	$2.850M	$2.950M	$2.480M	$2.140M	$2.230M	$2.080M
% Of Pretax Income	18.11%	19.51%	19.5%	18.57%	18.65%	18.47%	38.31%	28.5%	28.47%	27.93%	27.94%	27.98%	28.77%
Net Earnings	$12.66M	$17.70M	$16.79M	$12.81M	$10.88M	$10.08M	$7.300M	$7.150M	$7.410M	$6.410M	$5.520M	$5.740M	$5.140M
YoY Change	-28.51%	5.46%	31.04%	17.75%	7.94%	38.07%	2.1%	-3.51%	15.6%	16.12%	-3.83%	11.67%
Net Earnings / Revenue	22.14%	35.13%	35.33%	28.9%	25.38%	26.05%	21.42%
Basic Earnings Per Share	$1.67	$2.34	$2.23	$1.71	$1.46	$1.35	$0.98
Diluted Earnings Per Share	$1.67	$2.34	$2.22	$1.70	$1.44	$1.34	$0.97	$957.2K	$1.000M	$870.9K	$759.3K	$795.0K	$712.9K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$10.93M	$11.04M	$12.70M	$12.30M	$11.70M	$2.200M	$1.900M	$2.100M	$2.300M	$1.500M	$1.900M	$2.100M	$2.100M
YoY Change	-0.99%	-13.05%	3.25%	5.13%	431.82%	15.79%	-9.52%	-8.7%	53.33%	-21.05%	-9.52%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$1.656B	$1.640B	$1.633B	$1.442B	$1.176B	$1.099B	$997.0M	$924.2M	$804.0M	$719.1M	$670.8M	$643.0M	$575.5M
YoY Change
Accounts Payable	$7.844M	$986.0K	$700.0K	$1.600M	$3.300M	$1.700M	$900.0K	$800.0K	$500.0K	$300.0K	$200.0K
YoY Change	695.54%	40.86%	-56.25%	-51.52%	94.12%	88.89%	12.5%	60.0%	66.67%	50.0%
Accrued Expenses	$7.300M	$7.300M	$8.900M	$9.200M	$9.700M							$300.0K	$600.0K
YoY Change	0.0%	-17.98%	-3.26%	-5.15%								-50.0%
Deferred Revenue
YoY Change
Short-Term Debt	$50.24M	$13.38M	$11.30M	$13.60M	$25.30M	$72.90M	$10.00M	$11.90M	$66.80M	$39.30M	$40.40M	$24.50M	$34.00M
YoY Change	275.35%	18.44%	-16.91%	-46.25%	-65.29%	629.0%	-15.97%	-82.19%	69.97%	-2.72%	64.9%	-27.94%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$65.38M	$8.286M	$9.600M	$10.80M	$13.00M	$1.700M	$900.0K	$800.0K	$500.0K	$300.0K	$200.0K	$300.0K	$600.0K
YoY Change	689.05%	-13.69%	-11.11%	-16.92%	664.71%	88.89%	12.5%	60.0%	66.67%	50.0%	-33.33%	-50.0%
Long-Term Debt	$0.00	$0.00	$0.00	$50.80M	$0.00	$0.00	$0.00	$0.00	$3.800M	$1.900M	$3.900M	$12.60M	$13.10M
YoY Change			-100.0%					-100.0%	100.0%	-51.28%	-69.05%	-3.82%
Other Long-Term Liabilities	$9.227M	$9.174M	$8.200M	$7.600M	$6.300M	$6.100M	$5.500M	$4.900M	$4.500M	$4.500M	$3.200M	$2.600M	$1.800M
YoY Change	0.58%	11.88%	7.89%	20.63%	3.28%	10.91%	12.24%	8.89%	0.0%	40.63%	23.08%	44.44%
Total Long-Term Liabilities	$9.227M	$9.174M	$8.200M	$58.40M	$6.300M	$6.100M	$5.500M	$4.900M	$8.300M	$6.400M	$7.100M	$15.20M	$14.90M
YoY Change	0.58%	11.88%	-85.96%	826.98%	3.28%	10.91%	12.24%	-40.96%	29.69%	-9.86%	-53.29%	2.01%
Total Liabilities	$1.551B	$1.552B	$1.511B	$1.330B	$1.077B	$1.012B	$917.2M	$851.0M	$735.9M	$657.8M	$616.8M	$593.0M	$531.1M
YoY Change	-0.07%	2.73%	13.6%	23.54%	6.35%	10.36%	7.78%	15.64%	11.87%	6.65%	4.01%	11.66%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Basic Shares Outstanding	7.600M	7.555M	7.518M	7.470M	7.475M	7.473M	7.449M	7.415M	7.371K	7.337M	7.261M	7.195M
Diluted Shares Outstanding	7.600M	7.571M	7.555M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $125.33 Million

About Embassy Bancorp, Inc.

Embassy Bancorp, Inc. is a bank holding company, which engages in the provision of independent community financial services and traditional banking and related financial services to individual, business, and government customers. The company is headquartered in Bethlehem, Pennsylvania and currently employs 110 full-time employees. The company went IPO on 2010-06-25. The firm's operating subsidiary is Embassy Bank for The Lehigh Valley (the Bank). The firm acts as an independent community financial services provider and offers banking and related financial services to individual, business, and government customers. The firm offers an array of commercial and retail financial services, including the taking of time, savings, and demand deposits; the making of commercial, consumer, residential mortgage, and home equity loans; and the providing of other financial services. The firm offers its retail customer base a product line of consumer loan services, including mortgage loans, first time home buyer mortgages, secured home equity loans, lines of credit, auto loans, and, to a much lesser extent, unsecured personal loans. The company offers a range of specialty home equity and mortgage products. Its other services include mobile banking, commercial credit cards, safe deposit boxes, among others.

Industry: State Commercial Banks Peers: Finward Bancorp FNCB Bancorp, Inc. First Northwest Bancorp MIDDLEFIELD BANC CORP Richmond Mutual Bancorporation, Inc. PNC FINANCIAL SERVICES GROUP, INC.