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Peoples Bancorp of North Carolina Inc vs Muncy Columbia Financial Corp vs Union Bankshares Inc vs Embassy Bancorp, Inc.

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

Latest fiscal year	Peoples Bancorp of North Carolina Inc PEBK	Muncy Columbia Financial Corp CCFN	Union Bankshares Inc UNB	Embassy Bancorp, Inc. EMYB
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	n/a	n/a
Revenue growth (YoY)	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Operating margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
Net income	$19.83M	$24.23M	$11.08M	$13.70M
EPS (Diluted)	$3.62	$6.85	$2.41	$1.79
Operating cash flow	$21.37M	$23.29M	$17.23M	$12.83M
Free cash flow	$19.96M	$21.89M	$15.97M	$12.20M
Cash & equivalents	$58.10M	$48.54M	n/a	n/a
Total assets	$1.70B	$1.67B	$1.62B	$1.80B
Total liabilities	$1.55B	$1.48B	$1.54B	$1.67B
Shareholders' equity	$157.12M	$192.54M	$80.86M	$127.58M
Return on year-end equity	12.6%	12.6%	13.7%	10.7%
Shares outstanding	5.46M	3.54M	n/a	7.55M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Peoples Bancorp of North Carolina Inc	Muncy Columbia Financial Corp	Union Bankshares Inc	Embassy Bancorp, Inc.
Latest	n/a	n/a	n/a	n/a
1 year earlier	n/a	n/a	n/a	n/a
2 years earlier	n/a	n/a	n/a	n/a
3 years earlier	n/a	n/a	n/a	n/a
4 years earlier	n/a	n/a	n/a	n/a