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Embassy Bancorp (EMYB) Stock Price & Analysis

EMYB Stock Chart & Stats

$21.20$0.00(0.00%)
At close: 4:00 PM EDT
$21$21.5$22$22.55 Aug17 Aug1 Sep14 Sep29 Sep14 Oct27 Oct
Day’s Range
$20.90 - $21.20
52-Week Range
$17.20 - $22.75
Previous Close
$21.20
Volume
1,601
Average Volume (3M)
3,006
Market Cap
$157.00M
Enterprise Value
$150.96M
Total Cash (Recent Filing)
$364.64M
Total Debt (Recent Filing)
$7.75M
Price to Earnings (P/E)
10.6
Beta
0.12
Next Earnings
Nov 13, 2026 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Jun 26, 2026
Dividend Yield
2.59%

Bulls Say, Bears Say

Bulls Say

Conservative Balance Sheet (zero Reported Debt)

Reported zero debt in the trailing twelve months indicates very low financial leverage, reducing refinancing and liquidity risk. That conservative capital structure supports regulatory flexibility, underwriting capacity for loan growth, and sustained ability to fund dividends and buybacks through cycles.

Strong Cash Generation And FCF Conversion

Operating and free cash flow improvement with FCF closely tracking net income shows earnings convert to cash reliably. Durable cash generation underpins recurring dividends, opportunistic buybacks, and loan funding without heavy reliance on wholesale funding, supporting long-term financial resilience.

Local Franchise Strength & Shareholder Actions

A 14% dividend raise and a 17-year payout streak alongside regional awards and top deposit share demonstrate a strong community franchise and management confidence. Reputation and deposit market position support stable low-cost funding and make capital returns sustainable over time.

Bears Say

Meaningful Margin Compression

Material compression in operating and net margins versus prior years suggests persistent pressure on interest spreads or fee mix. Sustained margin erosion can limit earnings growth even with revenue gains, reducing return on equity and constraining capital available for growth or payouts.

Cash-flow Volatility And Data Inconsistency

While recent FCF is strong, year-to-year variability and inconsistent reported coverage figures raise questions about predictability. Persistent volatility in operating cash flow complicates planning for loan growth, provisioning, and steady capital returns, increasing execution risk over months.

Concentrated Regional Exposure And Limited Scale

Heavy concentration in the Lehigh Valley regional market and community banking model limits geographic and product diversification. Scale constraints can hinder competitive pricing, growth of noninterest revenue, and resilience to localized economic downturns or sector-specific credit stress.

Embassy Bancorp News

EMYB FAQ

What was Embassy Bancorp’s price range in the past 12 months?
Embassy Bancorp lowest stock price was $17.20 and its highest was $22.75 in the past 12 months.
What is Embassy Bancorp’s market cap?
Embassy Bancorp’s market cap is $157.00M.
When is Embassy Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Embassy Bancorp’s earnings last quarter?
Embassy Bancorp released its earnings results on Aug 24, 2026. The company reported $0.556 earnings per share for the quarter.
Is Embassy Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Embassy Bancorp pay dividends?
Embassy Bancorp pays a Annually dividend of $0.55 which represents an annual dividend yield of 2.59%. See more information on Embassy Bancorp dividends here
What is Embassy Bancorp’s EPS estimate?
Embassy Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Embassy Bancorp have?
Embassy Bancorp has 7,405,604 shares outstanding.
What happened to Embassy Bancorp’s price movement after its last earnings report?
Embassy Bancorp reported an EPS of $0.556 in its last earnings report. Following the earnings report the stock price went up 0.225%.
Which hedge fund is a major shareholder of Embassy Bancorp?
Currently, no hedge funds are holding shares in EMYB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology