Embassy Bancorp, Inc.
Cash Flow Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | $13.7M | $10.4M | $12.7M | $17.7M | $16.8M | $12.8M | $10.9M | $10.1M |
| Depreciation & Amortization | — | — | — | — | — | — | — | — |
| Depreciation | $1.1M | $1.1M | $915.0K | $883.0K | $864.0K | $760.0K | $829.0K | $774.0K |
| Amortization | — | — | — | — | — | — | — | — |
| Stock-Based Compensation | — | — | — | — | — | — | — | — |
| Net Cash from Operating Activities | $12.8M | $9.9M | $19.5M | $19.9M | $15.2M | $13.6M | $14.3M | $12.8M |
| Investing Activities | ||||||||
| Capital Expenditures | $632.0K | $739.0K | $806.0K | $719.0K | $1.5M | $2.0M | $778.0K | $1.0M |
| Business Acquisitions | — | — | — | — | — | — | — | — |
| Net Cash from Investing Activities | $-67.6M | $-36.2M | $3.3M | $-161.3M | $-156.2M | $-173.8M | $-53.3M | $-110.7M |
| Financing Activities | ||||||||
| Dividends Paid | $3.7M | $3.2M | $3.0M | $2.6M | $2.3M | $1.6M | $1.5M | $1.3M |
| Stock Repurchases | $11.0K | $72.0K | $132.0K | $100.0K | $670.0K | $765.0K | — | $658.0K |
| Net Cash from Financing Activities | $71.1M | $43.8M | $-11.1M | $39.0M | $178.7M | $252.1M | $51.4M | $91.9M |
| Net Change in Cash | — | — | — | — | — | — | — | $-6.0M |
| Free Cash Flow | $12.2M | $9.2M | $18.7M | $19.2M | $13.7M | $11.7M | $13.5M | $11.8M |