Embassy Bancorp, Inc.
Income Statement
| Line Item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | $45.7M | $39.4M | $41.7M | $48.6M | $45.9M | $40.4M | $35.7M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | — | $16.6M | $12.5M | $33.6M | $26.1M | $24.9M | $22.1M | $22.7M |
| Operating Margin | — | 36.3% | 31.8% | 80.6% | 53.7% | 54.2% | 54.9% | 63.5% |
| Interest Expense | — | — | — | $18.1M | $4.1M | $4.0M | $6.4M | $9.3M |
| Pretax Income | — | $16.6M | $12.5M | $15.5M | $22.0M | $20.9M | $15.7M | $13.4M |
| Income Tax Expense | — | $2.9M | $2.1M | $2.8M | $4.3M | $4.1M | $2.9M | $2.5M |
| Net Income | — | $13.7M | $10.4M | $12.7M | $17.7M | $16.8M | $12.8M | $10.9M |
| Net Margin | — | 30.0% | 26.5% | 30.4% | 36.4% | 36.6% | 31.7% | 30.5% |
| EPS (Basic) | — | $1.79 | $1.37 | $1.67 | $2.34 | $2.23 | $1.71 | $1.46 |
| EPS (Diluted) | — | $1.79 | $1.37 | $1.67 | $2.34 | $2.22 | $1.70 | $1.44 |
| Shares Outstanding (Basic) | 7.6M | 7.6M | 7.6M | 7.6M | 7.6M | 7.5M | 7.5M | 7.5M |
| Shares Outstanding (Diluted) | 7.6M | 7.6M | 7.6M | 7.6M | 7.6M | 7.6M | 7.5M | 7.5M |
| Dividends Per Share | — | $0.48 | $0.42 | $0.40 | $0.35 | $0.30 | $0.22 | $0.20 |