Embassy Bancorp annual debt-to-equity ratio
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2025
Embassy Bancorp Debt-to-Equity Ratio Growth & History (EMYB)
Embassy Bancorp's debt-to-equity ratio was 0.04 for fiscal 2025.
View full Embassy Bancorp company overviewEmbassy Bancorp annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.04 | −0.02 | −37.08% |
| 2024 | 2024-12-31 | 0.06 | −0.01 | −9.80% |
| 2023 | 2023-12-31 | 0.06 | −0.02 | −24.46% |
| 2022 | 2022-12-31 | 0.08 | −0.11 | −56.98% |
| 2021 | 2021-12-31 | 0.19 | −0.02 | −9.59% |
| 2020 | 2020-12-31 | 0.21 | 0.12 | +118.36% |
| 2019 | 2019-12-31 | 0.10 | −0.52 | −84.27% |
| 2018 | 2018-12-31 | 0.62 | 0.62 | — |
| 2017 | 2017-12-31 | 0.00 | 0.00 | — |
| 2016 | 2016-12-31 | 0.00 | −0.63 | — |
| 2015 | 2015-12-31 | 0.63 | 0.46 | +256.33% |
| 2014 | 2014-12-31 | 0.18 | −0.08 | −30.89% |
| 2013 | 2013-12-31 | 0.26 | 0.01 | +2.21% |
| 2012 | 2012-12-31 | 0.25 | −0.04 | −14.77% |
| 2011 | 2011-12-31 | 0.30 | −0.07 | −20.20% |
| 2010 | 2010-12-31 | 0.37 | — | — |
Embassy Bancorp quarterly debt-to-equity ratio
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Q2.11
Q3.11
Q4.11
Q1.12
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Q4.12
Q1.13
Q2.13
Q3.13
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Q2.14
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Q1.25
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Q3.25
Q4.25
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q4 2025 | 2025-12-31 | 0.04 | −0.02 | −37.08% |
| Q3 2025 | 2025-09-30 | 0.00 | — | — |
| Q2 2025 | 2025-06-30 | 0.00 | — | — |
| Q1 2025 | 2025-03-31 | 0.00 | — | — |
| Q4 2024 | 2024-12-31 | 0.06 | −0.01 | −9.80% |
| Q4 2023 | 2023-12-31 | 0.06 | −0.02 | −24.46% |
| Q4 2022 | 2022-12-31 | 0.08 | −0.11 | −56.98% |
| Q4 2021 | 2021-12-31 | 0.19 | −0.02 | −9.59% |
| Q3 2021 | 2021-09-30 | 0.12 | −0.01 | −9.18% |
| Q2 2021 | 2021-06-30 | 0.13 | −0.01 | −9.48% |
| Q1 2021 | 2021-03-31 | 0.13 | −0.10 | −44.95% |
| Q4 2020 | 2020-12-31 | 0.21 | 0.12 | +118.36% |
| Q3 2020 | 2020-09-30 | 0.14 | 0.03 | +30.05% |
| Q2 2020 | 2020-06-30 | 0.14 | 0.03 | +25.95% |
| Q1 2020 | 2020-03-31 | 0.23 | 0.12 | +99.92% |
| Q4 2019 | 2019-12-31 | 0.10 | −0.52 | −84.27% |
| Q3 2019 | 2019-09-30 | 0.10 | −0.50 | −82.77% |
| Q2 2019 | 2019-06-30 | 0.11 | −0.24 | −68.34% |
| Q1 2019 | 2019-03-31 | 0.12 | 0.09 | +385.22% |
| Q4 2018 | 2018-12-31 | 0.62 | 0.62 | — |
| Q3 2018 | 2018-09-30 | 0.60 | 0.60 | — |
| Q2 2018 | 2018-06-30 | 0.35 | 0.35 | — |
| Q1 2018 | 2018-03-31 | 0.02 | 0.02 | — |
| Q4 2017 | 2017-12-31 | 0.00 | 0.00 | — |
| Q3 2017 | 2017-09-30 | 0.00 | — | — |
| Q2 2017 | 2017-06-30 | 0.00 | — | — |
| Q1 2017 | 2017-03-31 | 0.00 | — | — |
| Q4 2016 | 2016-12-31 | 0.00 | −0.63 | — |
| Q4 2015 | 2015-12-31 | 0.63 | 0.46 | +256.33% |
| Q3 2015 | 2015-09-30 | 0.93 | 0.62 | +201.87% |
| Q2 2015 | 2015-06-30 | 0.79 | 0.74 | +1244.42% |
| Q1 2015 | 2015-03-31 | 0.50 | 0.44 | +668.04% |
| Q4 2014 | 2014-12-31 | 0.18 | −0.08 | −30.89% |
| Q3 2014 | 2014-09-30 | 0.31 | −0.04 | −11.43% |
| Q2 2014 | 2014-06-30 | 0.06 | −0.24 | −80.21% |
| Q1 2014 | 2014-03-31 | 0.07 | −0.18 | −72.99% |
| Q4 2013 | 2013-12-31 | 0.26 | 0.01 | +2.21% |
| Q3 2013 | 2013-09-30 | 0.35 | 0.08 | +32.24% |
| Q2 2013 | 2013-06-30 | 0.30 | 0.02 | +7.67% |
| Q1 2013 | 2013-03-31 | 0.24 | −0.04 | −15.06% |
| Q4 2012 | 2012-12-31 | 0.25 | −0.04 | −14.77% |
| Q3 2012 | 2012-09-30 | 0.26 | −0.05 | −16.16% |
| Q2 2012 | 2012-06-30 | 0.28 | −0.06 | −17.24% |
| Q1 2012 | 2012-03-31 | 0.28 | — | — |
| Q4 2011 | 2011-12-31 | 0.30 | −0.07 | −20.20% |
| Q3 2011 | 2011-09-30 | 0.31 | — | — |
| Q2 2011 | 2011-06-30 | 0.34 | — | — |
| Q4 2010 | 2010-12-31 | 0.37 | — | — |
Embassy Bancorp debt-to-equity ratio trends
Over the last five fiscal years, Embassy Bancorp's debt-to-equity ratio decreased from 0.21 to 0.04, a change of −0.18. The latest reported quarter, Q4 2025, shows 0.04.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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