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EMYB Stock Chart & Stats
$17.13
$0.00(0.00%)
At close: 4:00 PM EST
$17.13
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$15.50 - $22.75
Previous CloseN/A
Volume43.00
Average Volume (3M)6.32K
Market Cap
$167.42M
Enterprise Value$143.67
Total Cash (Recent Filing)$364.62M
Total Debt (Recent Filing)$12.71M
Price to Earnings (P/E)11.8
Beta0.07
Next Earnings
Aug 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.62%
Share Statistics
EPS (TTM)1.91
Shares Outstanding7,414,465
10 Day Avg. Volume1,879
30 Day Avg. Volume6,315
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.09
Price to Sales (P/S)1.86
P/FCF Ratio11.40
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ConversionOperating 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 ActionsA 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 CompressionMaterial 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 InconsistencyWhile 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 ScaleHeavy 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 Inc’s price range in the past 12 months?
Embassy Bancorp Inc lowest stock price was $15.50 and its highest was $22.75 in the past 12 months.
What is Embassy Bancorp Inc’s market cap?
Embassy Bancorp Inc’s market cap is $167.42M.
When is Embassy Bancorp Inc’s upcoming earnings report date?
Embassy Bancorp Inc’s upcoming earnings report date is Aug 24, 2026 which is in 37 days.
How were Embassy Bancorp Inc’s earnings last quarter?
Embassy Bancorp Inc released its earnings results on May 15, 2026. The company reported $0.496 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Embassy Bancorp Inc overvalued?
According to Wall Street analysts Embassy Bancorp Inc’s price is currently Overvalued.
Does Embassy Bancorp Inc pay dividends?
Embassy Bancorp Inc pays a Annually dividend of $0.55 which represents an annual dividend yield of 2.62%. See more information on Embassy Bancorp Inc dividends here
What is Embassy Bancorp Inc’s EPS estimate?
Embassy Bancorp Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Embassy Bancorp Inc have?
Embassy Bancorp Inc has 7,414,465 shares outstanding.
What happened to Embassy Bancorp Inc’s price movement after its last earnings report?
Embassy Bancorp Inc reported an EPS of $0.496 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Embassy Bancorp Inc?
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
Embassy Bancorp Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.50%
12-Months-Change
Fundamentals
Return on Equity
11.90%
Trailing 12-Months
Asset Growth
5.01%
Trailing 12-Months
Company Description
Embassy Bancorp Inc
Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.
Technical Analysis
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Ownership Overview
30.49% Insiders
0.11% Mutual Funds
6.05% Other Institutional Investors
63.35% Public Companies and
Individual Investors