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Embassy Bancorp, Inc. (EMYB)
OTCMKTS · Delayed Price · Currency is USD
22.50
0.00 (0.00%)
At close: Jul 31, 2026

Embassy Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
14.5513.710.4412.6617.716.79
Depreciation & Amortization
1.071.071.150.920.880.86
Other Amortization
0.430.410.310.230.180.14
Gain (Loss) on Sale of Assets
-0.03-0.03----0.1
Gain (Loss) on Sale of Investments
-0.94-1.05-0.92-0.56-0.410.04
Provision for Credit Losses
0.080.11-0.43-0.180.90.92
Accrued Interest Receivable
-0.46-0.67-0.31-0.37-0.320.53
Change in Other Net Operating Assets
0.50.940.580.21.15-0.11
Other Operating Activities
-1.44-1.4-1.36-0.82-1.04-3.25
Operating Cash Flow
14.9812.839.9419.519.9115.25
Operating Cash Flow Growth
38.42%29.05%-49.00%-2.07%30.57%11.85%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-0.73-0.63-0.74-0.81-0.72-1.51
Investment in Securities
-14.22-44.18-12.6350.87-69.5-184.59
Net Decrease (Increase) in Loans Originated / Sold - Investing
-23.48-23.43-14.55-45.37-92.2429.88
Other Investing Activities
-0.010.61-8.24-1.431.15-0.09
Investing Cash Flow
-38.45-67.63-36.153.26-161.32-156.21

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
-4.99-36.852.13-
Total Debt Issued
5.994.99-36.852.13-
Short-Term Debt Repaid
--15.63-29.72---2.36
Long-Term Debt Repaid
-----14.65-50.79
Total Debt Repaid
--15.63-29.72--14.65-53.15
Net Debt Issued (Repaid)
5.99-10.64-29.7236.85-12.52-53.15
Issuance of Common Stock
0.070.070.070.070.190.18
Repurchase of Common Stock
-4.88-1.92-0.07-0.13-0.1-0.67
Common Dividends Paid
-3.67-3.67-3.2-3.04-2.64-2.25
Net Increase (Decrease) in Deposit Accounts
69.8887.2976.73-44.8754.08234.65
Financing Cash Flow
67.471.1343.81-11.1339.01178.75

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
43.9316.3417.611.63-102.437.79

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
14.2512.29.2118.6919.1913.74
Free Cash Flow Growth
38.64%32.55%-50.75%-2.60%39.71%17.90%
Free Cash Flow Margin
30.13%26.77%23.13%44.67%40.21%30.54%
Free Cash Flow Per Share
1.871.601.212.462.541.82

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
28.2129.6528.8211.263.775
Cash Income Tax Paid
2.92.91.983.354.274.63