Embassy Bancorp (EMYB) Net Cash Flow (2010 - 2026)
Embassy Bancorp's (EMYB) quarterly Net Cash Flow came in at -$8.9 million in Q2 2026, down 46.11% year-over-year from -$16.5 million in Q2 2025, and down 130.69% quarter-over-quarter from $29.0 million in Q1 2026.
Analysis
Embassy Bancorp (EMYB) Net Cash Flow (2010 - 2026) Analysis & Trends
Embassy Bancorp has disclosed Net Cash Flow across 17 years of filings, most recently posting -$8.9 million for Q2 2026.
- In Q2 2026, Net Cash Flow fell 46.11% year-over-year to -$8.9 million; the TTM figure through Jun 2026 stood at $41.1 million (up 193.32% YoY), while the FY2025 annual figure was $16.3 million, down 7.17% from the prior year.
- Net Cash Flow came in at -$8.9 million for Q2 2026 at Embassy Bancorp, down from $29.0 million in the prior quarter.
- In the past five years, Net Cash Flow ranged from a high of $76.4 million in Q2 2024 to a low of -$60.7 million in Q3 2022.
- Average Net Cash Flow over 5 years is -$2.0 million, with a median of $445500.0 recorded in 2023.
- The largest YoY upside for Net Cash Flow was 20742.43% in 2024 against a maximum downside of 1605.1% in 2024.
- Over 5 years, Net Cash Flow stood at -$4.9 million in 2022, then soared by 125.71% to $1.3 million in 2023, then jumped by 265.98% to $4.6 million in 2024, then increased by 5.35% to $4.9 million in 2025, then plunged by 282.89% to -$8.9 million in 2026.
- Per Business Quant data, the three most recent Net Cash Flow figures were -$8.9 million in Q2 2026, $29.0 million in Q1 2026, and $4.9 million in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 3.09 Bn |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | - |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 1.09 Bn |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | -3.59 Bn |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 430.00 Mn |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | -1.22 Bn |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 581.00 Mn |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 439.00 Mn |
| 10 | Embassy Bancorp | 163.96 Mn | -121.11 Mn | - | -8.89 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -8.89 Mn |
| Mar 31, 2026 | 28.97 Mn |
| Dec 31, 2025 | 4.86 Mn |
| Sep 30, 2025 | 16.18 Mn |
| Jun 30, 2025 | -6.09 Mn |
| Mar 31, 2025 | 1.38 Mn |
| Dec 31, 2024 | 4.62 Mn |
| Sep 30, 2024 | -43.98 Mn |
| Jun 30, 2024 | 76.38 Mn |
| Mar 31, 2024 | -19.41 Mn |
| Dec 31, 2023 | 1.26 Mn |
| Sep 30, 2023 | 2.92 Mn |
| Jun 30, 2023 | -370,000.00 |
| Mar 31, 2023 | 7.82 Mn |
| Dec 31, 2022 | -4.90 Mn |
| Sep 30, 2022 | -60.69 Mn |
| Jun 30, 2022 | -17.38 Mn |
| Mar 31, 2022 | -19.42 Mn |
| Dec 31, 2021 | 38.97 Mn |
| Sep 30, 2021 | 20.57 Mn |