Embassy Bancorp(EMYB)
$20.830.00 (0.00%)
EMYB
Embassy Bancorp financials statements
$20.83
At close:0.00 (0.00%)
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Embassy Bancorp (EMYB) Ratios
21 Followers
Embassy Bancorp Ratios
EMYB's free cash flow for Q2 2026 was $3.36M. For the 2026 fiscal year, EMYB's free cash flow was increased by $175.00K and operating cash flow was $3.18M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Sep 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 138.93 | 0.09 | 0.23 | 0.25 | 0.33 |
| Quick Ratio | 138.93 | 0.09 | 0.23 | 0.25 | 0.33 |
| Cash Ratio | 1.14 | 0.06 | 0.05 | 0.04 | 0.11 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 1.09 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 1.09 | 0.48 | 0.39 | 1.49 | 1.36 |
| Net Current Asset Value | $ -34.14M | $ -1.45B | $ -1.19B | $ -1.17B | $ -1.03B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.01 | 0.03 | 0.01 | 0.02 |
| Debt-to-Equity Ratio | 0.11 | 0.19 | 0.48 | 0.15 | 0.21 |
| Debt-to-Capital Ratio | 0.10 | 0.16 | 0.32 | 0.13 | 0.17 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.11 |
| Financial Leverage Ratio | 14.11 | 16.01 | 15.68 | 18.58 | 13.33 |
| Debt Service Coverage Ratio | 0.36 | 0.23 | 0.20 | 1.06 | 1.16 |
| Interest Coverage Ratio | 0.57 | 0.43 | 0.85 | 5.36 | 5.20 |
| Debt to Market Cap | 0.08 | 0.16 | 0.45 | 0.10 | 0.17 |
| Interest Debt Per Share | 5.68 | 6.48 | 8.99 | 2.32 | 3.98 |
| Net Debt to EBITDA | 0.05 | -5.49 | -1.69 | -2.31 | -6.58 |
| Profitability Margins | |||||
| Gross Profit Margin | 60.99% | 58.25% | 69.88% | 90.48% | 90.07% |
| EBIT Margin | 22.21% | 18.42% | 25.94% | 41.88% | 42.04% |
| EBITDA Margin | 23.64% | 20.11% | 27.48% | 43.56% | 43.78% |
| Operating Profit Margin | 22.21% | 18.42% | 25.94% | 41.88% | 42.04% |
| Pretax Profit Margin | 22.21% | 18.42% | 25.94% | 41.88% | 42.04% |
| Net Profit Margin | 18.33% | 15.37% | 21.25% | 33.71% | 33.84% |
| Continuous Operations Profit Margin | 18.33% | 15.37% | 21.25% | 33.71% | 33.84% |
| Net Income Per EBT | 82.53% | 83.46% | 81.89% | 80.49% | 80.50% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.76% | 0.61% | 0.76% | 1.08% | 1.03% |
| Return on Equity (ROE) | 10.74% | 9.80% | 11.98% | 20.05% | 13.70% |
| Return on Capital Employed (ROCE) | 0.93% | 10.16% | 12.65% | 21.00% | 13.52% |
| Return on Invested Capital (ROIC) | 0.83% | 7.27% | 7.34% | 14.98% | 10.14% |
| Return on Tangible Assets | 0.76% | 0.61% | 0.76% | 1.08% | 1.03% |
| Earnings Yield | 9.85% | 8.26% | 11.33% | 12.68% | 11.06% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.06 | 18.84 | 18.06 | 17.95 | 19.06 |
| Payables Turnover | 4.05 | 3.63 | 2.29 | 5.07 | 7.56 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 25.95 | 20.44 | 15.95 | 13.66 | 12.42 |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | 0.78 | -0.05 | -0.05 | -0.05 | -0.05 |
| Cash Conversion Cycle | 6179.44 | -81.19 | -139.38 | -51.67 | -29.15 |
| Days of Sales Outstanding | 6269.58 | 19.37 | 20.21 | 20.34 | 19.15 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 90.14 | 100.56 | 159.59 | 72.01 | 48.30 |
| Operating Cycle | 6269.58 | 19.37 | 20.21 | 20.34 | 19.15 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.68 | 1.31 | 2.57 | 2.64 | 2.03 |
| Free Cash Flow Per Share | 1.60 | 1.21 | 2.46 | 2.54 | 1.83 |
| Dividend Paid and CapEx Coverage Ratio | 2.98 | 2.53 | 5.07 | 5.92 | 4.05 |
| Capital Expenditure Coverage Ratio | 20.31 | 13.46 | 24.19 | 27.69 | 10.09 |
| Operating Cash Flow Coverage Ratio | 0.89 | 0.48 | 0.39 | 1.49 | 0.59 |
| Operating Cash Flow to Sales Ratio | 0.17 | 0.15 | 0.33 | 0.38 | 0.31 |
| Free Cash Flow Yield | 8.77% | 7.28% | 16.73% | 13.75% | 9.05% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.17 | 12.12 | 8.83 | 7.89 | 9.04 |
| Price-to-Sales (P/S) Ratio | 1.86 | 1.86 | 1.88 | 2.66 | 3.06 |
| Price-to-Book (P/B) Ratio | 1.09 | 1.19 | 1.06 | 1.58 | 1.24 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.40 | 13.73 | 5.98 | 7.27 | 11.04 |
| Price-to-Operating Cash Flow Ratio | 10.84 | 12.71 | 5.73 | 7.01 | 9.95 |
| Price-to-Earnings Growth (PEG) Ratio | 0.33 | -0.67 | -0.31 | 1.60 | 0.30 |
| Enterprise Value Multiple | 7.93 | 3.76 | 5.13 | 3.79 | 0.41 |
| Enterprise Value | 140.07M | 51.39M | 84.03M | 86.68M | 8.92M |
| EV to EBITDA | 7.93 | 3.76 | 5.13 | 3.79 | 0.41 |
| EV to Sales | 1.87 | 0.76 | 1.41 | 1.65 | 0.18 |
| EV to Free Cash Flow | 11.48 | 5.58 | 4.50 | 4.52 | 0.65 |
| EV to Operating Cash Flow | 10.91 | 5.17 | 4.31 | 4.35 | 0.58 |
| Tangible Book Value Per Share | 16.69 | 13.98 | 13.90 | 11.70 | 16.30 |
| Shareholders’ Equity Per Share | 16.69 | 13.98 | 13.90 | 11.70 | 16.30 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.17 | 0.17 | 0.18 | 0.20 | 0.19 |
| Revenue Per Share | 9.77 | 8.92 | 7.84 | 6.96 | 6.60 |
| Net Income Per Share | 1.79 | 1.37 | 1.67 | 2.35 | 2.23 |
| Tax Burden | 0.83 | 0.83 | 0.82 | 0.80 | 0.81 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.03 | 0.24 | 0.24 | 0.26 | 0.26 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 0.94 | 0.95 | 1.54 | 1.12 | 0.91 |
Currency in USD
