Embassy Bancorp Past Earnings Performance

Past criteria checks 2/6

Embassy Bancorp has been growing earnings at an average annual rate of 2.6%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 3.9% per year. Embassy Bancorp's return on equity is 9.2%, and it has net margins of 27.1%.

Key information

2.6%

Earnings growth rate

2.2%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	3.9%
Return on equity	9.2%
Net Margin	27.1%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Embassy Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:EMYB Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	39	11	22
30 Jun 24	39	11	22
31 Mar 24	40	11	22
31 Dec 23	42	13	23
30 Sep 23	45	15	23
30 Jun 23	47	17	23
31 Mar 23	48	17	23
31 Dec 22	48	18	22
30 Sep 22	47	17	22
30 Jun 22	46	17	22
31 Mar 22	46	17	21
31 Dec 21	45	17	21
30 Sep 21	43	16	20
30 Jun 21	41	15	19
31 Mar 21	40	14	19
31 Dec 20	38	13	19
30 Sep 20	37	12	19
30 Jun 20	36	11	19
31 Mar 20	35	11	19
31 Dec 19	35	11	19
30 Sep 19	35	11	18
30 Jun 19	34	10	18
31 Mar 19	34	10	18
31 Dec 18	33	10	17
30 Sep 18	33	9	17
30 Jun 18	32	8	16
31 Mar 18	32	8	16
31 Dec 17	32	7	15
30 Sep 17	31	8	15
30 Jun 17	30	8	15
31 Mar 17	30	7	15
31 Dec 16	29	7	14
30 Sep 16	29	7	14
30 Jun 16	28	7	14
31 Mar 16	27	7	13
31 Dec 15	27	7	13
30 Sep 15	27	7	13
30 Jun 15	26	7	13
31 Mar 15	26	7	13
31 Dec 14	25	6	13
30 Sep 14	25	6	12
30 Jun 14	24	6	12
31 Mar 14	24	6	12
31 Dec 13	23	6	12

Quality Earnings: EMYB has high quality earnings.

Growing Profit Margin: EMYB's current net profit margins (27.1%) are lower than last year (33%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: EMYB's earnings have grown by 2.6% per year over the past 5 years.

Accelerating Growth: EMYB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: EMYB had negative earnings growth (-28.7%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: EMYB's Return on Equity (9.2%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 00:39
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Embassy Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution