Embassy Bancorp annual free cash flow
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2025
Embassy Bancorp Free Cash Flow (FCF) History (EMYB)
Embassy Bancorp reported $12.2M in free cash flow for fiscal 2025, an increase of 32.55% from the previous fiscal year, with a free cash flow margin of 26.71%.
View full Embassy Bancorp company overviewEmbassy Bancorp free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $12.2M | $3.0M | +32.55% | +26.71% |
| 2024 | 2024-12-31 | $9.2M | −$9.5M | −50.75% | +23.38% |
| 2023 | 2023-12-31 | $18.7M | −$500,000 | −2.61% | +44.86% |
| 2022 | 2022-12-31 | $19.2M | $5.5M | +39.71% | +39.47% |
| 2021 | 2021-12-31 | $13.7M | $2.1M | +17.90% | +29.93% |
| 2020 | 2020-12-31 | $11.7M | −$1.9M | −13.86% | +28.87% |
| 2019 | 2019-12-31 | $13.5M | $1.7M | +14.43% | +37.86% |
| 2018 | 2018-12-31 | $11.8M | $1.9M | +19.02% | +34.46% |
| 2017 | 2017-12-31 | $9.9M | $1.3M | +15.17% | +30.32% |
| 2016 | 2016-12-31 | $8.6M | $1.5M | +20.40% | +29.11% |
| 2015 | 2015-12-31 | $7.2M | −$242,000 | −3.27% | +25.65% |
| 2014 | 2014-12-31 | $7.4M | $79,000 | +1.08% | +29.06% |
| 2013 | 2013-12-31 | $7.3M | $786,000 | +12.02% | — |
| 2012 | 2012-12-31 | $6.5M | $283,000 | +4.52% | — |
| 2011 | 2011-12-31 | $6.3M | $253,000 | +4.22% | — |
| 2010 | 2010-12-31 | $6.0M | — | — | — |
Embassy Bancorp quarterly free cash flow
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Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $2.9M | $968,000 | +49.14% | +22.33% |
| Q1 2026 | 2026-03-31 | $4.7M | $2.0M | +78.66% | +38.30% |
| Q4 2025 | 2025-12-31 | $3.8M | $1.8M | +96.24% | +30.96% |
| Q3 2025 | 2025-09-30 | $3.9M | −$1.6M | −29.81% | +32.96% |
| Q2 2025 | 2025-06-30 | $2.0M | $1.7M | +697.57% | +17.35% |
| Q1 2025 | 2025-03-31 | $2.6M | $1.1M | +70.10% | +24.92% |
| Q4 2024 | 2024-12-31 | $1.9M | −$639,000 | −25.03% | +18.58% |
| Q3 2024 | 2024-09-30 | $5.5M | $30,000 | +0.55% | +54.99% |
| Q2 2024 | 2024-06-30 | $247,000 | −$3.9M | −94.10% | +2.58% |
| Q1 2024 | 2024-03-31 | $1.5M | −$4.9M | −76.31% | +16.21% |
| Q4 2023 | 2023-12-31 | $2.6M | −$2.5M | −49.93% | +26.86% |
| Q3 2023 | 2023-09-30 | $5.5M | −$645,000 | −10.53% | +54.98% |
| Q2 2023 | 2023-06-30 | $4.2M | $1.2M | +40.10% | +39.20% |
| Q1 2023 | 2023-03-31 | $6.5M | $1.5M | +29.98% | +56.20% |
| Q4 2022 | 2022-12-31 | $5.1M | $1.9M | +58.50% | +39.66% |
| Q3 2022 | 2022-09-30 | $6.1M | $3.1M | +99.71% | +48.34% |
| Q2 2022 | 2022-06-30 | $3.0M | −$537,000 | −15.23% | +25.70% |
| Q1 2022 | 2022-03-31 | $5.0M | $1.1M | +26.78% | +43.41% |
| Q4 2021 | 2021-12-31 | $3.2M | −$111,000 | −3.34% | +27.46% |
| Q3 2021 | 2021-09-30 | $3.1M | −$650,000 | −17.48% | +25.93% |
| Q2 2021 | 2021-06-30 | $3.5M | $367,000 | +11.61% | +31.60% |
| Q1 2021 | 2021-03-31 | $3.9M | $2.5M | +171.63% | +35.09% |
| Q4 2020 | 2020-12-31 | $3.3M | $253,000 | +8.23% | +30.53% |
| Q3 2020 | 2020-09-30 | $3.7M | −$335,000 | −8.27% | +35.89% |
| Q2 2020 | 2020-06-30 | $3.2M | $45,000 | +1.44% | +31.57% |
| Q1 2020 | 2020-03-31 | $1.4M | −$1.8M | −55.97% | +15.89% |
| Q4 2019 | 2019-12-31 | $3.1M | $154,000 | +5.27% | +33.60% |
| Q3 2019 | 2019-09-30 | $4.1M | $712,000 | +21.31% | +45.38% |
| Q2 2019 | 2019-06-30 | $3.1M | $468,000 | +17.68% | +35.19% |
| Q1 2019 | 2019-03-31 | $3.3M | $372,000 | +12.78% | +37.33% |
| Q4 2018 | 2018-12-31 | $2.9M | $438,000 | +17.64% | +32.91% |
| Q3 2018 | 2018-09-30 | $3.3M | $282,000 | +9.22% | +38.35% |
| Q2 2018 | 2018-06-30 | $2.6M | $553,000 | +26.41% | +31.13% |
| Q1 2018 | 2018-03-31 | $2.9M | $616,000 | +26.85% | +35.45% |
| Q4 2017 | 2017-12-31 | $2.5M | $498,000 | +25.09% | +29.64% |
| Q3 2017 | 2017-09-30 | $3.1M | $37,000 | +1.22% | +36.13% |
| Q2 2017 | 2017-06-30 | $2.1M | −$441,000 | −17.40% | +25.81% |
| Q1 2017 | 2017-03-31 | $2.3M | $1.2M | +112.41% | +29.43% |
| Q4 2016 | 2016-12-31 | $2.0M | $730,000 | +58.17% | +25.66% |
| Q3 2016 | 2016-09-30 | $3.0M | $657,000 | +27.78% | +39.00% |
| Q2 2016 | 2016-06-30 | $2.5M | $646,000 | +34.20% | +35.81% |
| Q1 2016 | 2016-03-31 | $1.1M | −$572,000 | −34.62% | +15.32% |
| Q4 2015 | 2015-12-31 | $1.3M | −$180,000 | −12.54% | +17.44% |
| Q3 2015 | 2015-09-30 | $2.4M | $204,000 | +9.44% | +33.34% |
| Q2 2015 | 2015-06-30 | $1.9M | −$713,000 | −27.40% | +27.88% |
| Q1 2015 | 2015-03-31 | $1.7M | $447,000 | +37.10% | +24.12% |
| Q4 2014 | 2014-12-31 | $1.4M | −$322,000 | −18.33% | — |
| Q3 2014 | 2014-09-30 | $2.2M | −$10,000 | −0.46% | +33.57% |
| Q2 2014 | 2014-06-30 | $2.6M | −$174,000 | −6.27% | — |
| Q1 2014 | 2014-03-31 | $1.2M | $585,000 | +94.35% | — |
| Q4 2013 | 2013-12-31 | $1.8M | $48,000 | +2.81% | — |
| Q3 2013 | 2013-09-30 | $2.2M | $17,000 | +0.79% | — |
| Q2 2013 | 2013-06-30 | $2.8M | $1.7M | +160.90% | — |
| Q1 2013 | 2013-03-31 | $620,000 | −$991,000 | −61.51% | — |
| Q4 2012 | 2012-12-31 | $1.7M | $896,000 | +110.21% | — |
| Q3 2012 | 2012-09-30 | $2.2M | $371,000 | +20.81% | — |
| Q2 2012 | 2012-06-30 | $1.1M | −$1.0M | −49.65% | — |
| Q1 2012 | 2012-03-31 | $1.6M | $65,000 | +4.20% | — |
| Q4 2011 | 2011-12-31 | $813,000 | −$1.3M | −61.41% | — |
| Q3 2011 | 2011-09-30 | $1.8M | — | — | — |
| Q2 2011 | 2011-06-30 | $2.1M | — | — | — |
| Q1 2011 | 2011-03-31 | $1.5M | — | — | — |
| Q3 2010 | 2010-09-30 | $2.1M | — | — | — |
Embassy Bancorp free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $11.7M to $12.2M, a compound annual growth rate of 0.93%. Embassy Bancorp's latest reported quarter, Q2 2026, generated $2.9M in free cash flow, an increase of 49.14% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Embassy Bancorp filings at SEC.gov ↗