For the quarter ending 2026-03-31, EMYB had $28,974K increase in cash & cash equivalents over the period. $4,656K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 3,739 | 3,580 | 3,793 | 6,324 |
| Provision for credit losses | 20 | 213 | 27 | -131 |
| Amortization of deferred loan costs | -106 | -122 | -107 | -176 |
| Depreciation | 269 | 262 | 275 | 528 |
| Net accretion of investment security premiums and discounts | 190 | 220 | 235 | 599 |
| Stock compensation expense | 338 | 28 | 28 | 326 |
| Net realized gain on sale of other real estate owned | - | 0 | 29 | - |
| Income on bank owned life insurance | 208 | 318 | 369 | 635 |
| Deferred income taxes | - | -76 | - | - |
| Increase in accrued interest receivable | 6 | 222 | -54 | 504 |
| Decrease in other assets | -1,006 | -589 | -815 | -735 |
| Increase (decrease) in accrued interest payable | 437 | 130 | -361 | -383 |
| Decrease in other liabilities | -680 | -204 | -115 | -878 |
| Net cash provided by operating activities | 4,831 | 3,884 | 3,990 | 4,959 |
| Purchases of securities available for sale | 34,309 | 12,404 | 14,978 | 81,519 |
| Maturities, calls and principal repayments of securities available for sale | 21,877 | 9,355 | 14,614 | 40,754 |
| Net increase in loans | 4,716 | 11,397 | -1,784 | 13,817 |
| Net redemption of restricted investment in bank stock | - | 0 | 0 | -612 |
| Purchases of premises and equipment | 175 | 128 | 121 | 383 |
| Decrease in short-term borrowings | - | 0 | 0 | -15,625 |
| Net cash used in investing activities | -17,323 | -14,574 | 1,299 | -54,353 |
| Net increase in deposits | 41,576 | 19,689 | 10,356 | 57,248 |
| Net increase in securities sold under agreements to repurchase | 2,828 | -2,236 | 4,189 | 3,032 |
| Purchase of treasury stock | - | 11 | - | - |
| Proceeds from employee stock purchase plan | 21 | 20 | 15 | 34 |
| Purchase of treasury stock under stock repurchase plan | 2,959 | 1,910 | - | - |
| Dividends paid | - | 0 | 3,669 | - |
| Net cash provided by financing activities | 41,466 | 15,552 | 10,891 | 44,689 |
| Net increase in cash and cash equivalents | 28,974 | 4,862 | 16,180 | -4,705 |
| Cash and cash equivalents - beginning | 112,859 | -11,475 | 96,522 | - |
| Cash and cash equivalents - ending | 141,833 | 4,862 | 107,997 | - |
Embassy Bancorp, Inc. (EMYB)
Embassy Bancorp, Inc. (EMYB)