Embassy Bancorp (Embassy Bancorp) Debt-to-Equity : 0.00 (As of Mar. 2024)

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What is Embassy Bancorp Debt-to-Equity?

Embassy Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $0.00 Mil. Embassy Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $0.00 Mil. Embassy Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2024 was $103.79 Mil. Embassy Bancorp's debt to equity for the quarter that ended in Mar. 2024 was 0.00.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

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

EMYB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.16 Max: 0.96
Current: 0.34

During the past 13 years, the highest Debt-to-Equity Ratio of Embassy Bancorp was 0.96. The lowest was 0.02. And the median was 0.16.

EMYB's Debt-to-Equity is ranked better than
69.23% of 1394 companies
in the Banks industry
Industry Median: 0.65 vs EMYB: 0.34

Embassy Bancorp Debt-to-Equity Historical Data

The historical data trend for Embassy Bancorp's Debt-to-Equity 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.

* Premium members only.

Embassy Bancorp Debt-to-Equity Chart

Embassy Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.18

0.13

0.12

0.33

Embassy Bancorp Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															-	0.49	0.96	0.33	-

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

For the Banks - Regional subindustry, Embassy Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity Distribution in the Banks Industry

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

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

Embassy Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(35	+	0)	/	105.655
	=	0.33

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	0)	/	103.785
	=	0.00

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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Embassy Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Embassy Bancorp's Debt-to-Equity 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 » Debt-to-Equity

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