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Embassy Bancorp, Inc. (EMYB)
OTCMKTS · Delayed Price · Currency is USD
22.35
0.00 (0.00%)
Aug 20, 2026, 3:44 PM EST

Embassy Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
15.2413.710.4412.6617.716.79
Depreciation & Amortization
1.091.071.150.920.880.86
Other Amortization
0.450.410.310.230.180.14
Gain (Loss) on Sale of Assets
-0.03-0.03----0.1
Gain (Loss) on Sale of Investments
-0.79-1.05-0.92-0.56-0.410.04
Provision for Credit Losses
0.640.11-0.43-0.180.90.92
Accrued Interest Receivable
-0.35-0.67-0.31-0.37-0.320.53
Change in Other Net Operating Assets
0.720.940.580.21.15-0.11
Other Operating Activities
-1.47-1.4-1.36-0.82-1.04-3.25
Operating Cash Flow
15.8912.839.9419.519.9115.25
Operating Cash Flow Growth
24.17%29.05%-49.00%-2.07%30.57%11.85%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-0.67-0.63-0.74-0.81-0.72-1.51
Investment in Securities
-9.73-44.18-12.6350.87-69.5-184.59
Net Decrease (Increase) in Loans Originated / Sold - Investing
-38.91-23.43-14.55-45.37-92.2429.88
Other Investing Activities
-0.080.61-8.24-1.431.15-0.09
Investing Cash Flow
-49.38-67.63-36.153.26-161.32-156.21

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
-4.99-36.852.13-
Total Debt Issued
1.954.99-36.852.13-
Short-Term Debt Repaid
--15.63-29.72---2.36
Long-Term Debt Repaid
-----14.65-50.79
Total Debt Repaid
-2.13-15.63-29.72--14.65-53.15
Net Debt Issued (Repaid)
-0.18-10.64-29.7236.85-12.52-53.15
Issuance of Common Stock
0.080.070.070.070.190.18
Repurchase of Common Stock
-5.1-1.92-0.07-0.13-0.1-0.67
Common Dividends Paid
-3.67-3.67-3.2-3.04-2.64-2.25
Net Increase (Decrease) in Deposit Accounts
83.4887.2976.73-44.8754.08234.65
Financing Cash Flow
74.6271.1343.81-11.1339.01178.75

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
41.1216.3417.611.63-102.437.79

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
15.2212.29.2118.6919.1913.74
Free Cash Flow Growth
26.80%32.55%-50.75%-2.60%39.71%17.90%
Free Cash Flow Margin
31.35%26.77%23.13%44.67%40.21%30.54%
Free Cash Flow Per Share
2.021.601.212.462.541.82

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
28.8729.6528.8211.263.775
Cash Income Tax Paid
3.62.91.983.354.274.63