Embassy Bancorp (Embassy Bancorp) Cash-to-Debt : No Debt ⁽¹⁾ (As of Mar. 2024)

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What is Embassy Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Embassy Bancorp's cash to debt ratio for the quarter that ended in Mar. 2024 was No Debt ⁽¹⁾.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Embassy Bancorp could pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

The historical rank and industry rank for Embassy Bancorp's Cash-to-Debt or its related term are showing as below:

EMYB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.27 Med: 7.02 Max: No Debt
Current: 1.67

During the past 13 years, Embassy Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.27. And the median was 7.02.

EMYB's Cash-to-Debt is ranked better than
57.02% of 1424 companies
in the Banks industry
Industry Median: 1.3 vs EMYB: 1.67

Embassy Bancorp Cash-to-Debt Historical Data

The historical data trend for Embassy Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Embassy Bancorp Cash-to-Debt Chart

Embassy Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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2.16

8.94

11.51

No Debt

2.23

Embassy Bancorp Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															No Debt	1.57	0.94	2.23	No Debt

Competitive Comparison of Embassy Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Embassy Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Embassy Bancorp's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Embassy Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Embassy Bancorp's Cash-to-Debt falls into.

Embassy Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Embassy Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	77.923	/	(35	+	0)
	=	2.23

Embassy Bancorp's Cash to Debt Ratio for the quarter that ended in Mar. 2024 is calculated as:

Embassy Bancorp had no debt ⁽¹⁾.

Embassy Bancorp (OTCPK:EMYB) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Embassy Bancorp Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Embassy Bancorp's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Embassy Bancorp (Embassy Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Embassy Bancorp Inc (OTCPK:EMYB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

One Hundred Gateway Drive, Suite 100, Bethlehem, PA, USA, 18017

Website

https://www.embassybank.com

Embassy Bancorp Inc acts as an independent community financial services provider. It offers traditional banking and related financial services to individual, business and government customers. The bank also offers commercial and retail financial services such as savings and demand deposits, commercial loans, consumer loans, residential mortgage, and home equity loans and other financial services. Its other services comprise night depository services, wire transfers, bond coupon redemption, cash management services, and escrow management services among others.

Executives

Lobach David M Jr	director, officer: SEVP, CEO, President	100 GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
John G Englesson	director	5341 ABERDENE STREET, CENTER VALLEY PA 18034
Bernard M Lesavoy	director	ONE WINDSOR PLAZA, SUITE 200, 7535 WINDSOR DR., ALLENTOWN PA 18195-1014
Lynne Marie Neel	other: Executive Vice President	3100 HECKTOWN RD, EASTON PA 18045
Diane Maria Cunningham	officer: Executive Vice President	3311 LORD BYRON DR, BETHLEHEM PA 18017
Michael B Macy	officer: SVP, CLO Business Banking	ONE GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
Frank Iii Banko	director	100 GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
Geoffrey F Boyer	director	1259 S CEDAR CREST BLVD., SUITE 336, ALLENTOWN PA 18103
Judith A Hunsicker	officer: FEO, COO, CFO	100 GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
Patti Gates Smith	director	8448 REDHAVEN STREET, FOGELSVILLE PA 18051
Brew John P Jr	director	817 W. BROAD ST., BETHLEHEM PA 18018
Elmer D Gates	director	840 YORKSHIRE RD., BETHLEHEM PA 18017
John T Yurconic	director	5910 HAMILTON BLVD, ALLENTOWN PA 18106
Robert P Daday	director	2 N 9TH ST, ALLENTOWN PA 18101-1179
John C Pittman	director	1001 NOR-BATH BLVD, NORTHAMPTON PA 18067

Embassy Bancorp (Embassy Bancorp) Cash-to-Debt : No Debt (1) (As of Mar. 2024)