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Embassy Bancorp Inc
Buy or Sell?

Welcome Invester! I guess you are interested in Embassy Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's start. I'm going to help you getting a better view of Embassy Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is Embassy Bancorp Inc even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how Embassy Bancorp Inc is doing in the market. If the company is worth buying. The latest step is to find out how other investors value Embassy Bancorp Inc. The closing price on 2022-09-29 was $20.40 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
Embassy Bancorp Inc Daily Candlestick Chart


Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

1.1. Profitability of Embassy Bancorp Inc.

1.1. Profitability

An important factor of a company's health is the profitability.

1.1.1. Net Profit Margin

Measures how much net profit Embassy Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Embassy Bancorp Inc to the Banks-Regional industry mean.
  • A Net Profit Margin of 36.1% means that $0.36 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Embassy Bancorp Inc:

  • The MRQ is 33.4%. The company is making a huge profit. +2
  • The TTM is 36.1%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ33.4%TTM36.1%-2.7%
TTM36.1%YOY36.6%-0.5%
TTM36.1%5Y31.8%+4.3%
5Y31.8%10Y21.5%+10.2%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ33.4%28.8%+4.6%
TTM36.1%27.6%+8.5%
YOY36.6%26.9%+9.7%
5Y31.8%23.2%+8.6%
10Y21.5%21.1%+0.4%
1.1.2. Return on Assets

Shows how efficient Embassy Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Embassy Bancorp Inc to the Banks-Regional industry mean.
  • 0.3% Return on Assets means that Embassy Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Embassy Bancorp Inc:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.3%0.0%
TTM0.3%YOY0.3%0.0%
TTM0.3%5Y0.2%+0.0%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.3%-0.1%
TTM0.3%0.3%0.0%
YOY0.3%0.3%0.0%
5Y0.2%0.3%-0.1%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Embassy Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Embassy Bancorp Inc to the Banks-Regional industry mean.
  • 4.3% Return on Equity means the company generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Embassy Bancorp Inc:

  • The MRQ is 4.3%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.9%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.3%TTM3.9%+0.4%
TTM3.9%YOY3.4%+0.5%
TTM3.9%5Y3.1%+0.8%
5Y3.1%10Y2.9%+0.2%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.3%2.8%+1.5%
TTM3.9%2.6%+1.3%
YOY3.4%2.5%+0.9%
5Y3.1%2.4%+0.7%
10Y2.9%2.4%+0.5%

1.2. Operating Efficiency of Embassy Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Embassy Bancorp Inc is operating .

  • Measures how much profit Embassy Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Embassy Bancorp Inc to the Banks-Regional industry mean.
  • An Operating Margin of 42.0% means the company generated $0.42  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Embassy Bancorp Inc:

  • The MRQ is 42.0%. The company is operating very efficient. +2
  • The TTM is 44.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ42.0%TTM44.8%-2.9%
TTM44.8%YOY45.2%-0.3%
TTM44.8%5Y34.8%+10.0%
5Y34.8%10Y25.3%+9.5%
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ42.0%44.9%-2.9%
TTM44.8%44.3%+0.5%
YOY45.2%46.5%-1.3%
5Y34.8%36.5%-1.7%
10Y25.3%31.2%-5.9%
1.2.2. Operating Ratio

Measures how efficient Embassy Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks-Regional industry mean).
  • An Operation Ratio of 58.0% means that the operating costs are $0.58for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.580. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.552. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.580TTM0.552+0.029
TTM0.552YOY0.548+0.003
TTM0.5525Y0.627-0.075
5Y0.62710Y0.476+0.151
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5800.066+0.514
TTM0.5520.195+0.357
YOY0.5480.316+0.232
5Y0.6270.385+0.242
10Y0.4760.390+0.086

1.3. Liquidity of Embassy Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Embassy Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks-Regional industry mean).
  • A Current Ratio of 8.8% means the company has $0.09 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.088. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.101. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.088TTM0.101-0.012
TTM0.101YOY0.217-0.116
TTM0.1015Y0.118-0.018
5Y0.11810Y0.105+0.013
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0880.245-0.157
TTM0.1010.327-0.226
YOY0.2170.347-0.130
5Y0.1180.306-0.188
10Y0.1050.257-0.152
1.3.2. Quick Ratio

Measures if Embassy Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy (always compare to Banks-Regional industry mean)
  • A Quick Ratio of 30.0% means the company can pay off $0.30 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.300. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.310. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.300TTM0.310-0.010
TTM0.310YOY0.342-0.031
TTM0.3105Y0.259+0.051
5Y0.25910Y0.210+0.049
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3000.233+0.067
TTM0.3100.151+0.159
YOY0.3420.160+0.182
5Y0.2590.117+0.142
10Y0.2100.090+0.120

1.4. Solvency of Embassy Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Embassy Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy (always compare to Banks-Regional industry mean).
  • A Debt to Asset Ratio of 0.95 means that Embassy Bancorp Inc assets are financed with 94.7% credit (debt) and the remaining percentage (100% - 94.7%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.947. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.933. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.947TTM0.933+0.014
TTM0.933YOY0.922+0.011
TTM0.9335Y0.923+0.011
5Y0.92310Y0.921+0.002
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9470.910+0.037
TTM0.9330.905+0.028
YOY0.9220.910+0.012
5Y0.9230.907+0.016
10Y0.9210.908+0.013
1.4.2. Debt to Equity Ratio

Measures if Embassy Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy (always compare to Banks-Regional industry mean).
  • A Debt to Equity ratio of 1,802.9% means that company has $18.03 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 18.029. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.356. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ18.029TTM14.356+3.673
TTM14.356YOY11.846+2.510
TTM14.3565Y12.077+2.279
5Y12.07710Y11.713+0.364
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ18.02910.094+7.935
TTM14.3569.691+4.665
YOY11.8469.130+2.716
5Y12.0779.097+2.980
10Y11.7139.029+2.684

2. Market Valuation of Embassy Bancorp Inc

2. Earnings
2.1. Price to Earnings Ratio

Measures how many years it takes to double your invested money in Embassy Bancorp Inc.

  • Above 15 is considered overpriced but is hard to determine (always use industry average).
  • A PE ratio of 8.74 means the investor is paying $8.74 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Embassy Bancorp Inc:

  • The EOD is 9.260. Good. +1
  • The MRQ is 8.738. Good. +1
  • The TTM is 8.998. Good. +1
Trends
Current periodCompared to+/- 
EOD9.260MRQ8.738+0.522
MRQ8.738TTM8.998-0.260
TTM8.998YOY8.496+0.502
TTM8.9985Y11.052-2.054
5Y11.05210Y10.765+0.287
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.2609.334-0.074
MRQ8.7389.440-0.702
TTM8.9989.860-0.862
YOY8.4969.980-1.484
5Y11.05211.519-0.467
10Y10.76511.575-0.810
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of Embassy Bancorp Inc.

  • Lower is better
  • A PEG ratio of 1 means the investor is paying a fair price for the stock

Let's take a look of the Price Earnings to Growth Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.981. Seems overpriced? -1
  • The TTM is 0.521. Good. +1
Trends
Current periodCompared to+/- 
MRQ0.981TTM0.521+0.460
TTM0.521YOY0.384+0.136
TTM0.5215Y1.455-0.934
5Y1.45510Y30.197-28.742
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9810.065+0.916
TTM0.5210.100+0.421
YOY0.3840.006+0.378
5Y1.4550.067+1.388
10Y30.1970.094+30.103

2. Books
2.3. Price to Book Ratio

Measures if the stock price of Embassy Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks-Regional industry mean).
  • A PB ratio of 1.67 means the investor is paying $1.67 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Embassy Bancorp Inc:

  • The EOD is 1.774. Good. +1
  • The MRQ is 1.674. Good. +1
  • The TTM is 1.415. Good. +1
Trends
Current periodCompared to+/- 
EOD1.774MRQ1.674+0.100
MRQ1.674TTM1.415+0.259
TTM1.415YOY1.033+0.383
TTM1.4155Y1.277+0.138
5Y1.27710Y1.190+0.087
Compared to industry (Banks-Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.7740.971+0.803
MRQ1.6740.975+0.699
TTM1.4151.025+0.390
YOY1.0330.791+0.242
5Y1.2770.936+0.341
10Y1.1900.833+0.357

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Embassy Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Gains Per Share---2.133-0.984-54%0.350-710%0.057-3867%0.124-1816%
Book Value Per Share--11.49814.315-20%14.999-23%13.111-12%10.787+7%
Current Ratio--0.0880.101-12%0.217-59%0.118-25%0.105-16%
Debt To Asset Ratio--0.9470.933+2%0.922+3%0.923+3%0.921+3%
Debt To Equity Ratio--18.02914.356+26%11.846+52%12.077+49%11.713+54%
Dividend Per Share---0.075-100%0.280-100%0.172-100%0.111-100%
Eps--0.4990.551-9%0.506-1%0.412+21%0.321+55%
Gains Per Share---2.133-0.909-57%0.629-439%0.229-1031%0.235-1008%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Net Profit Margin--0.3340.361-7%0.366-9%0.318+5%0.215+55%
Operating Margin--0.4200.448-6%0.452-7%0.348+21%0.253+66%
Operating Ratio--0.5800.552+5%0.548+6%0.627-7%0.476+22%
Pb Ratio1.774+6%1.6741.415+18%1.033+62%1.277+31%1.190+41%
Pe Ratio9.260+6%8.7388.998-3%8.496+3%11.052-21%10.765-19%
Peg Ratio--0.9810.521+88%0.384+155%1.455-33%30.197-97%
Price Per Share20.400+6%19.25019.895-3%15.540+24%16.463+17%12.986+48%
Quick Ratio--0.3000.310-3%0.342-12%0.259+16%0.210+43%
Return On Assets--0.0020.003-11%0.003-13%0.002-4%0.002-1%
Return On Equity--0.0430.039+12%0.034+29%0.031+40%0.029+48%
 EOD+0 -3MRQTTM+3 -15YOY+1 -175Y+8 -1010Y+8 -10

3.2. Fundamental Score

Let's check the fundamental score of Embassy Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.260
Price to Book Ratio (EOD)Between0-11.774
Net Profit Margin (MRQ)Greater than00.334
Operating Margin (MRQ)Greater than00.420
Quick Ratio (MRQ)Greater than10.300
Current Ratio (MRQ)Greater than10.088
Debt to Asset Ratio (MRQ)Less than10.947
Debt to Equity Ratio (MRQ)Less than118.029
Return on Equity (MRQ)Greater than0.150.043
Return on Assets (MRQ)Greater than0.050.002
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Embassy Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5022.825
Ma 20Greater thanMa 5021.121
Ma 50Greater thanMa 10021.042
Ma 100Greater thanMa 20020.150
OpenGreater thanClose20.400
Total2/5 (40.0%)



Latest Balance Sheet

Balance Sheet of 2022-06-30. Currency in USD. All numbers in thousands.

Summary
Total Assets1,652,644
Total Liabilities1,565,795
Total Stockholder Equity86,849
 As reported
Total Liabilities 1,565,795
Total Stockholder Equity+ 86,849
Total Assets = 1,652,644

Assets

Total Assets1,652,644
Total Current Assets135,614
Long-term Assets135,614
Total Current Assets
Cash And Cash Equivalents 132,886
Short-term Investments 324,876
Net Receivables 2,728
Total Current Assets  (as reported)135,614
Total Current Assets  (calculated)460,490
+/- 324,876
Long-term Assets
Property Plant Equipment 3,949
Long Term Investments 1,459,431
Long-term Assets Other 53,650
Long-term Assets  (as reported)1,517,030
Long-term Assets  (calculated)1,517,030
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities1,533,139
Long-term Liabilities32,656
Total Stockholder Equity86,849
Total Current Liabilities
Accounts payable 474
Other Current Liabilities 1,532,665
Total Current Liabilities  (as reported)1,533,139
Total Current Liabilities  (calculated)1,533,139
+/-0
Long-term Liabilities
Long-term Liabilities Other 32,656
Long-term Liabilities  (as reported)32,656
Long-term Liabilities  (calculated)32,656
+/-0
Total Stockholder Equity
Common Stock7,700
Retained Earnings Total Equity96,821
Capital Surplus 27,346
Treasury Stock-2,453
Other Stockholders Equity -42,565
Total Stockholder Equity (as reported)86,849
Total Stockholder Equity (calculated)86,849
+/-0
Other
Capital Stock7,700
Cash and Short Term Investments 132,886
Common Stock Shares Outstanding 7,553
Common Stock Total Equity7,700
Liabilities and Stockholders Equity 1,652,644
Net Tangible Assets 86,849



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-31
> Total Assets 
476,033
492,172
512,101
513,884
519,349
524,481
537,305
575,480
616,843
621,998
644,780
643,009
636,031
644,889
661,400
670,835
702,716
701,468
717,246
719,094
740,838
773,064
799,569
804,038
852,968
860,774
889,314
924,233
963,208
974,909
989,272
996,966
1,020,781
1,065,718
1,076,797
1,099,387
1,122,676
1,134,460
1,161,448
1,176,119
1,194,361
1,368,686
1,364,929
1,442,030
1,465,611
1,515,450
1,566,120
1,633,194
1,640,460
1,652,644
1,652,6441,640,4601,633,1941,566,1201,515,4501,465,6111,442,0301,364,9291,368,6861,194,3611,176,1191,161,4481,134,4601,122,6761,099,3871,076,7971,065,7181,020,781996,966989,272974,909963,208924,233889,314860,774852,968804,038799,569773,064740,838719,094717,246701,468702,716670,835661,400644,889636,031643,009644,780621,998616,843575,480537,305524,481519,349513,884512,101492,172476,033
   > Total Current Assets 
0
0
0
0
0
119,136
113,330
0
0
0
0
0
0
0
0
90,652
0
0
108,652
95,186
0
100,821
98,909
98,416
127,663
115,696
120,336
111,565
138,850
132,113
138,049
125,813
121,032
126,178
123,551
29,889
125,018
40,965
50,006
42,034
45,927
100,635
211,581
265,983
287,312
333,267
133,477
172,295
152,983
135,614
135,614152,983172,295133,477333,267287,312265,983211,581100,63545,92742,03450,00640,965125,01829,889123,551126,178121,032125,813138,049132,113138,850111,565120,336115,696127,66398,41698,909100,821095,186108,6520090,65200000000113,330119,13600000
       Cash And Cash Equivalents 
0
0
0
0
0
29,482
23,086
0
0
0
0
0
0
0
0
17,831
0
0
26,304
16,390
0
15,456
17,601
19,526
50,758
24,125
28,695
24,218
41,748
38,405
39,820
33,534
25,201
32,147
34,311
14,276
37,411
37,756
46,971
38,986
42,189
96,681
86,699
131,907
120,114
110,151
130,725
169,692
150,269
132,886
132,886150,269169,692130,725110,151120,114131,90786,69996,68142,18938,98646,97137,75637,41114,27634,31132,14725,20133,53439,82038,40541,74824,21828,69524,12550,75819,52617,60115,456016,39026,3040017,8310000000023,08629,48200000
       Short-term Investments 
0
0
0
0
0
88,049
88,626
0
0
0
0
0
0
0
0
71,288
0
0
80,799
77,197
0
83,727
79,655
77,253
75,214
89,879
90,037
85,598
95,292
91,916
96,396
90,296
93,924
92,036
87,130
0
85,354
90,058
95,892
90,829
87,860
136,388
121,646
130,940
164,084
220,304
264,199
310,264
342,117
324,876
324,876342,117310,264264,199220,304164,084130,940121,646136,38887,86090,82995,89290,05885,354087,13092,03693,92490,29696,39691,91695,29285,59890,03789,87975,21477,25379,65583,727077,19780,7990071,2880000000088,62688,04900000
       Net Receivables 
0
0
0
0
0
1,605
1,618
0
0
0
0
0
0
0
0
1,533
0
0
1,549
1,599
0
1,638
1,653
1,637
1,691
1,692
1,604
1,749
1,810
1,792
1,833
1,983
1,907
1,995
2,110
0
2,253
2,209
2,035
2,048
2,079
2,954
3,236
3,136
3,114
2,812
2,752
2,603
2,714
2,728
2,7282,7142,6032,7522,8123,1143,1363,2362,9542,0792,0482,0352,2092,25302,1101,9951,9071,9831,8331,7921,8101,7491,6041,6921,6911,6371,6531,63801,5991,549001,533000000001,6181,60500000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,810
1,792
1,833
12,683
1,907
1,995
2,110
15,478
2,253
2,209
2,035
17,648
2,738
2,954
3,236
3,136
3,114
2,812
1,125,962
2,603
2,714
2,728
2,7282,7142,6031,125,9622,8123,1143,1363,2362,9542,73817,6482,0352,2092,25315,4782,1101,9951,90712,6831,8331,7921,8100000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
405,345
423,975
0
0
0
0
0
0
0
0
580,183
0
0
608,594
623,908
0
672,243
700,660
705,622
725,305
745,078
768,978
812,668
824,358
842,796
851,223
871,153
899,749
939,540
953,246
0
997,658
1,003,437
1,015,550
1,043,256
1,061,233
1,131,663
1,153,348
1,176,047
1,178,299
1,182,183
1,432,643
1,460,899
1,487,477
1,517,030
1,517,0301,487,4771,460,8991,432,6431,182,1831,178,2991,176,0471,153,3481,131,6631,061,2331,043,2561,015,5501,003,437997,6580953,246939,540899,749871,153851,223842,796824,358812,668768,978745,078725,305705,622700,660672,2430623,908608,59400580,18300000000423,975405,34500000
       Property Plant Equipment 
2,580
2,622
2,507
2,398
2,324
2,173
2,080
2,095
2,252
2,218
2,122
2,095
1,975
1,927
1,829
2,541
1,785
1,624
2,396
2,621
1,396
2,692
2,867
3,482
3,015
2,813
2,702
2,589
2,526
2,503
2,364
2,387
2,271
2,169
2,396
2,174
2,068
12,284
11,964
11,723
11,420
2,678
3,030
3,346
3,195
3,345
3,887
3,994
3,972
3,949
3,9493,9723,9943,8873,3453,1953,3463,0302,67811,42011,72311,96412,2842,0682,1742,3962,1692,2712,3872,3642,5032,5262,5892,7022,8133,0153,4822,8672,6921,3962,6212,3961,6241,7852,5411,8291,9271,9752,0952,1222,2182,2522,0952,0802,1732,3242,3982,5072,6222,580
       Long Term Investments 
0
0
0
0
0
388,792
407,722
0
0
0
0
0
0
0
0
563,257
0
0
589,142
604,967
0
651,066
679,065
684,047
705,181
725,299
749,945
792,598
804,669
822,562
831,179
851,711
879,559
917,776
924,161
90,748
960,407
90,058
95,892
90,829
87,860
136,388
1,048,885
1,079,339
1,087,757
1,096,093
1,371,195
1,406,819
1,434,902
1,459,431
1,459,4311,434,9021,406,8191,371,1951,096,0931,087,7571,079,3391,048,885136,38887,86090,82995,89290,058960,40790,748924,161917,776879,559851,711831,179822,562804,669792,598749,945725,299705,181684,047679,065651,0660604,967589,14200563,25700000000407,722388,79200000
       Long-term Assets Other 
0
0
0
0
0
14,380
14,173
0
0
0
0
0
0
0
0
14,385
0
0
17,056
16,320
0
18,485
18,728
18,093
17,109
16,966
16,331
17,481
17,163
17,731
17,680
17,055
17,919
19,595
26,689
0
35,183
34,759
34,489
35,016
34,321
99,555
101,433
93,362
87,347
82,745
57,561
50,086
48,603
53,650
53,65048,60350,08657,56182,74587,34793,362101,43399,55534,32135,01634,48934,75935,183026,68919,59517,91917,05517,68017,73117,16317,48116,33116,96617,10918,09318,72818,485016,32017,0560014,3850000000014,17314,38000000
> Total Liabilities 
441,163
456,556
474,595
477,155
481,008
484,272
494,842
531,147
571,214
575,212
596,039
592,982
584,796
594,357
609,225
616,780
646,825
643,968
657,768
657,762
677,322
709,168
733,307
735,937
782,892
789,568
816,339
850,955
887,598
897,750
909,748
917,197
939,734
983,660
992,416
1,012,162
1,031,074
1,040,868
1,064,808
1,076,504
1,091,378
1,263,795
1,256,591
1,329,856
1,351,580
1,399,569
1,446,830
1,510,679
1,537,510
1,565,795
1,565,7951,537,5101,510,6791,446,8301,399,5691,351,5801,329,8561,256,5911,263,7951,091,3781,076,5041,064,8081,040,8681,031,0741,012,162992,416983,660939,734917,197909,748897,750887,598850,955816,339789,568782,892735,937733,307709,168677,322657,762657,768643,968646,825616,780609,225594,357584,796592,982596,039575,212571,214531,147494,842484,272481,008477,155474,595456,556441,163
   > Total Current Liabilities 
0
0
0
0
0
432,266
449,335
0
0
0
0
0
0
0
0
579,272
0
0
621,192
621,017
0
663,869
690,877
700,034
752,675
775,165
802,477
834,197
870,916
881,951
893,992
901,728
916,698
959,234
968,293
1,006,082
1,003,455
1,022,470
1,047,992
1,062,174
1,061,843
1,168,803
1,151,120
1,234,019
1,306,677
1,349,129
1,401,355
1,467,677
1,507,236
1,533,139
1,533,1391,507,2361,467,6771,401,3551,349,1291,306,6771,234,0191,151,1201,168,8031,061,8431,062,1741,047,9921,022,4701,003,4551,006,082968,293959,234916,698901,728893,992881,951870,916834,197802,477775,165752,675700,034690,877663,8690621,017621,19200579,27200000000449,335432,26600000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,000
0
0
15,625
9,000
0
44,440
56,420
39,306
0
0
0
11,889
11,780
9,448
10,195
9,999
1,950
28,740
50,921
0
0
0
0
18,067
0
0
0
0
0
0
0
0
0
0
000000000018,067000050,92128,7401,9509,99910,1959,44811,78011,88900039,30656,42044,44009,00015,6250010,000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,889
11,780
9,448
10,195
9,999
19,376
45,869
0
0
0
0
0
18,067
0
62,039
62,039
50,794
0
0
0
0
0
0
00000050,79462,03962,039018,0670000045,86919,3769,99910,1959,44811,78011,889000000000000000000000000000
       Accounts payable 
387,695
406,062
411,525
415,267
426,371
643
652
481,775
525,894
535,109
543,407
553,020
542,039
544,751
558,623
235
609,174
606,300
380
349
609,449
337
430
462
586
671
718
813
726
730
781
874
793
906
1,296
931,515
2,305
2,233
2,812
1,031,968
1,048,134
1,155,874
1,670
1,640
1,069
753
665
652
625
474
4746256526657531,0691,6401,6701,155,8741,048,1341,031,9682,8122,2332,305931,5151,296906793874781730726813718671586462430337609,449349380606,300609,174235558,623544,751542,039553,020543,407535,109525,894481,775652643426,371415,267411,525406,062387,695
       Other Current Liabilities 
0
0
0
0
0
431,623
448,683
0
0
0
0
0
0
0
0
569,037
0
0
605,187
611,668
0
619,092
634,027
660,266
752,089
774,494
801,759
833,384
870,190
881,221
893,211
900,854
913,955
929,588
916,076
0
1,001,150
1,011,340
1,035,033
1,031,968
1,048,134
1,155,874
1,149,450
1,232,379
1,305,608
1,348,376
1,400,690
1,467,025
1,506,611
1,532,665
1,532,6651,506,6111,467,0251,400,6901,348,3761,305,6081,232,3791,149,4501,155,8741,048,1341,031,9681,035,0331,011,3401,001,1500916,076929,588913,955900,854893,211881,221870,190833,384801,759774,494752,089660,266634,027619,0920611,668605,18700569,03700000000448,683431,62300000
   > Long-term Liabilities 
0
0
0
0
0
52,006
45,507
0
0
0
0
0
0
0
0
37,508
0
0
36,576
36,745
0
45,299
42,430
35,903
30,217
14,403
13,862
16,758
16,682
15,799
15,756
15,469
23,036
24,426
24,123
0
27,619
27,295
26,963
23,188
41,159
106,228
105,471
95,837
44,903
50,440
45,475
43,002
30,274
32,656
32,65630,27443,00245,47550,44044,90395,837105,471106,22841,15923,18826,96327,29527,619024,12324,42623,03615,46915,75615,79916,68216,75813,86214,40330,21735,90342,43045,299036,74536,5760037,5080000000045,50752,00600000
       Long term Debt Total 
0
0
0
0
0
13,486
13,286
0
0
0
0
0
0
0
0
3,900
0
0
2,650
1,900
0
6,355
5,038
3,820
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,651
14,651
14,651
14,651
14,651
14,651
14,651
14,651
0
0
0014,65114,65114,65114,65114,65114,65114,65114,65100000000000000003,8205,0386,35501,9002,650003,9000000000013,28613,48600000
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-10,000
0
0
-15,625
-9,000
0
-44,440
-56,420
-39,306
0
0
0
-11,889
-11,780
-9,448
-10,195
-9,999
-1,950
-28,740
-50,921
0
10,694
10,379
10,049
-18,067
0
0
0
0
0
0
0
0
0
0
0000000000-18,06710,04910,37910,6940-50,921-28,740-1,950-9,999-10,195-9,448-11,780-11,889000-39,306-56,420-44,4400-9,000-15,62500-10,000000000000000000
       Long-term Liabilities Other 
0
0
0
0
0
38,520
32,221
0
0
0
0
0
0
0
0
33,608
0
0
33,926
34,845
0
38,944
37,392
32,083
30,217
14,403
13,862
16,758
16,682
15,799
15,756
15,469
23,036
24,426
24,123
0
27,619
27,295
26,963
23,188
26,508
91,577
90,820
81,186
30,252
35,789
30,824
28,351
30,274
32,656
32,65630,27428,35130,82435,78930,25281,18690,82091,57726,50823,18826,96327,29527,619024,12324,42623,03615,46915,75615,79916,68216,75813,86214,40330,21732,08337,39238,944034,84533,9260033,6080000000032,22138,52000000
> Total Stockholder Equity
34,870
35,616
37,506
36,729
38,341
40,209
42,463
44,333
45,629
46,786
48,741
50,027
51,235
50,532
52,175
54,055
55,891
57,500
59,478
61,332
63,516
63,896
66,262
68,101
70,076
71,206
72,975
73,278
75,610
77,159
79,524
79,769
81,047
82,058
84,381
87,225
91,602
93,592
96,640
99,615
102,983
104,891
108,338
112,174
114,031
115,881
119,290
122,515
102,950
86,849
86,849102,950122,515119,290115,881114,031112,174108,338104,891102,98399,61596,64093,59291,60287,22584,38182,05881,04779,76979,52477,15975,61073,27872,97571,20670,07668,10166,26263,89663,51661,33259,47857,50055,89154,05552,17550,53251,23550,02748,74146,78645,62944,33342,46340,20938,34136,72937,50635,61634,870
   Common Stock
6,941
7,042
7,055
7,157
7,157
7,166
7,171
7,171
7,180
7,182
7,230
7,239
7,248
7,248
7,302
7,324
7,334
7,334
7,348
7,358
7,367
7,367
7,384
7,408
7,413
7,413
7,433
7,453
7,459
7,459
7,475
7,492
7,499
7,500
7,513
7,530
7,541
7,542
7,543
7,544
7,577
7,578
7,580
7,637
7,650
7,651
7,652
7,688
7,699
7,700
7,7007,6997,6887,6527,6517,6507,6377,5807,5787,5777,5447,5437,5427,5417,5307,5137,5007,4997,4927,4757,4597,4597,4537,4337,4137,4137,4087,3847,3677,3677,3587,3487,3347,3347,3247,3027,2487,2487,2397,2307,1827,1807,1717,1717,1667,1577,1577,0557,0426,941
   Retained Earnings 
5,032
5,909
7,819
7,272
8,884
8,986
10,469
14,293
15,525
16,664
18,411
19,642
20,775
20,056
21,312
22,520
24,795
26,380
26,809
28,485
32,022
31,368
33,240
35,158
36,766
37,466
39,475
41,344
43,246
44,287
46,520
47,602
49,979
51,222
53,898
56,410
58,962
60,081
62,910
65,794
68,251
69,924
73,348
76,960
81,004
82,858
87,298
91,493
95,694
96,821
96,82195,69491,49387,29882,85881,00476,96073,34869,92468,25165,79462,91060,08158,96256,41053,89851,22249,97947,60246,52044,28743,24641,34439,47537,46636,76635,15833,24031,36832,02228,48526,80926,38024,79522,52021,31220,05620,77519,64218,41116,66415,52514,29310,4698,9868,8847,2727,8195,9095,032
   Capital Surplus 
0
0
0
0
0
22,280
22,872
0
0
0
0
0
0
0
0
23,671
0
0
23,926
24,024
0
24,136
24,308
24,299
24,377
24,393
24,602
24,603
24,705
24,742
24,977
24,998
25,181
25,238
25,491
0
25,748
25,809
25,874
25,937
26,110
26,119
26,178
26,405
26,651
26,725
26,802
26,963
27,259
27,346
27,34627,25926,96326,80226,72526,65126,40526,17826,11926,11025,93725,87425,80925,748025,49125,23825,18124,99824,97724,74224,70524,60324,60224,39324,37724,29924,30824,136024,02423,9260023,6710000000022,87222,28000000
   Treasury Stock-2,453-2,453-2,435-2,365-2,365-2,181-1,765-1,720-1,720-1,720-1,000-1,000-1,000-1,0000-342-342-342-342-195-195-98-98-980000000000000000-3-3-3-3-3-3-3-3-3-3
   Other Stockholders Equity 
0
0
0
0
0
1,780
1,954
0
0
0
0
0
0
0
0
540
0
0
1,395
1,465
0
1,025
1,330
1,236
1,520
1,934
1,563
-24
298
866
747
19
-1,270
-1,560
-2,179
-1,247
351
1,160
1,313
1,340
2,765
2,990
2,952
2,937
907
1,012
-97
-1,194
-25,249
-42,565
-42,565-25,249-1,194-971,0129072,9372,9522,9902,7651,3401,3131,160351-1,247-2,179-1,560-1,27019747866298-241,5631,9341,5201,2361,3301,02501,4651,39500540000000001,9541,78000000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2021-12-31)

Gross Profit (+$)
totalRevenue44,979
Cost of Revenue--
Gross Profit44,97944,979
 
Operating Income (+$)
Gross Profit44,979
Operating Expense-24,127
Operating Income20,85220,852
 
Operating Expense (+$)
Research Development-
Selling General Administrative24,127
Selling And Marketing Expenses-
Operating Expense24,12724,127
 
Net Interest Income (+$)
Interest Income47,506
Interest Expense-4,012
Net Interest Income43,49443,494
 
Pretax Income (+$)
Operating Income20,852
Net Interest Income43,494
Other Non-Operating Income Expenses-
Income Before Tax (EBT)20,85220,852
EBIT - interestExpense = 16,840
20,852
20,798
Interest Expense4,012
Earnings Before Interest and Taxes (ebit)20,85224,864
Earnings Before Interest and Taxes (ebitda)-
 
After tax Income (+$)
Income Before Tax20,852
Tax Provision-4,066
Net Income From Continuing Ops16,78616,786
Net Income16,786
Net Income Applicable To Common Shares16,786
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses2,110
Total Other Income/Expenses Net--43,494
 

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