Embassy Bancorp annual net debt
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Embassy Bancorp Net Debt Growth & History (EMYB)
Embassy Bancorp's net debt was −$108.3M for fiscal 2025.
View full Embassy Bancorp company overviewEmbassy Bancorp annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | −$108.3M | −$17.8M | — |
| 2024 | 2024-12-31 | −$90.5M | −$18.2M | — |
| 2023 | 2023-12-31 | −$72.3M | −$12.3M | — |
| 2022 | 2022-12-31 | −$60.0M | $86.1M | — |
| 2021 | 2021-12-31 | −$146.1M | −$38.1M | — |
| 2020 | 2020-12-31 | −$108.1M | −$77.8M | — |
| 2019 | 2019-12-31 | −$30.3M | −$56.7M | — |
| 2018 | 2018-12-31 | $26.4M | $60.0M | — |
| 2017 | 2017-12-31 | −$33.5M | −$9.3M | — |
| 2016 | 2016-12-31 | −$24.2M | −$47.8M | — |
| 2015 | 2015-12-31 | $23.6M | $29.1M | — |
| 2014 | 2014-12-31 | −$5.5M | −$1.6M | — |
| 2013 | 2013-12-31 | −$3.9M | $13.4M | — |
| 2012 | 2012-12-31 | −$17.4M | $15.7M | — |
| 2011 | 2011-12-31 | −$33.0M | −$27.0M | — |
| 2010 | 2010-12-31 | −$6.1M | — | — |
Embassy Bancorp quarterly net debt
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Q4.25
| Fiscal quarter | Period ended | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q4 2025 | 2025-12-31 | −$108.3M | −$17.8M | — |
| Q3 2025 | 2025-09-30 | −$108.0M | — | — |
| Q2 2025 | 2025-06-30 | −$91.8M | — | — |
| Q1 2025 | 2025-03-31 | −$97.9M | — | — |
| Q4 2024 | 2024-12-31 | −$90.5M | −$18.2M | — |
| Q4 2023 | 2023-12-31 | −$72.3M | −$12.3M | — |
| Q4 2022 | 2022-12-31 | −$60.0M | $86.1M | — |
| Q4 2021 | 2021-12-31 | −$146.1M | −$38.1M | — |
| Q3 2021 | 2021-09-30 | −$116.1M | −$44.0M | — |
| Q2 2021 | 2021-06-30 | −$95.5M | −$12.5M | — |
| Q1 2021 | 2021-03-31 | −$105.5M | −$86.3M | — |
| Q4 2020 | 2020-12-31 | −$108.1M | −$77.8M | — |
| Q3 2020 | 2020-09-30 | −$72.0M | −$34.1M | — |
| Q2 2020 | 2020-06-30 | −$83.0M | −$54.7M | — |
| Q1 2020 | 2020-03-31 | −$19.2M | $7.6M | — |
| Q4 2019 | 2019-12-31 | −$30.3M | −$56.7M | — |
| Q3 2019 | 2019-09-30 | −$37.9M | −$54.5M | — |
| Q2 2019 | 2019-06-30 | −$28.4M | −$25.0M | — |
| Q1 2019 | 2019-03-31 | −$26.7M | −$3.5M | — |
| Q4 2018 | 2018-12-31 | $26.4M | $60.0M | — |
| Q3 2018 | 2018-09-30 | $16.6M | $56.4M | — |
| Q2 2018 | 2018-06-30 | −$3.4M | $35.0M | — |
| Q1 2018 | 2018-03-31 | −$23.3M | $18.5M | — |
| Q4 2017 | 2017-12-31 | −$33.5M | −$9.3M | — |
| Q3 2017 | 2017-09-30 | −$39.8M | — | — |
| Q2 2017 | 2017-06-30 | −$38.4M | — | — |
| Q1 2017 | 2017-03-31 | −$41.7M | — | — |
| Q4 2016 | 2016-12-31 | −$24.2M | −$47.8M | — |
| Q4 2015 | 2015-12-31 | $23.6M | $29.1M | — |
| Q3 2015 | 2015-09-30 | $43.9M | $51.9M | — |
| Q2 2015 | 2015-06-30 | $35.3M | $50.0M | — |
| Q1 2015 | 2015-03-31 | $17.0M | $41.9M | — |
| Q4 2014 | 2014-12-31 | −$5.5M | −$1.6M | — |
| Q3 2014 | 2014-09-30 | −$8.0M | −$7.8M | — |
| Q2 2014 | 2014-06-30 | −$14.7M | −$11.5M | — |
| Q1 2014 | 2014-03-31 | −$24.9M | −$23.1M | — |
| Q4 2013 | 2013-12-31 | −$3.9M | $13.4M | — |
| Q3 2013 | 2013-09-30 | −$219,000 | $38.1M | — |
| Q2 2013 | 2013-06-30 | −$3.1M | $33.0M | — |
| Q1 2013 | 2013-03-31 | −$1.8M | $52.1M | — |
| Q4 2012 | 2012-12-31 | −$17.4M | $15.7M | — |
| Q3 2012 | 2012-09-30 | −$38.3M | −$28.5M | — |
| Q2 2012 | 2012-06-30 | −$36.1M | −$20.1M | — |
| Q1 2012 | 2012-03-31 | −$53.9M | — | — |
| Q4 2011 | 2011-12-31 | −$33.0M | −$27.0M | — |
| Q3 2011 | 2011-09-30 | −$9.8M | — | — |
| Q2 2011 | 2011-06-30 | −$16.0M | — | — |
| Q4 2010 | 2010-12-31 | −$6.1M | — | — |
Embassy Bancorp net debt trends
Over the last five fiscal years, Embassy Bancorp's net debt decreased from −$108.1M to −$108.3M, a change of −$280,000. The latest reported quarter, Q4 2025, shows −$108.3M.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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