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Embassy Bancorp Inc (EMYB)
OTHER OTC:EMYB
US Market
EMYB
Embassy Bancorp
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Embassy Bancorp (EMYB) Ratios

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Embassy Bancorp Ratios

EMYB's free cash flow for Q2 2026 was $0.63. For the 2026 fiscal year, EMYB's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Sep 23Dec 22
Liquidity Ratios
Current Ratio
 216.47 138.93 0.09 0.23 0.25
Quick Ratio
 216.47 138.93 0.09 0.23 0.25
Cash Ratio
 2.16 1.14 0.06 0.05 0.04
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 2.05 1.09 <0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 2.05 1.09 0.48 0.39 1.49
Net Current Asset Value
$ -54.03M$ -34.14M$ -1.45B$ -1.19B$ -1.17B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 0.01 0.03 <0.01
Debt-to-Equity Ratio
 0.06 0.11 0.19 0.48 0.15
Debt-to-Capital Ratio
 0.06 0.10 0.16 0.32 0.13
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 14.52 14.11 16.01 15.68 18.58
Debt Service Coverage Ratio
 0.44 0.36 0.23 0.20 1.06
Interest Coverage Ratio
 0.64 0.57 0.43 0.85 5.36
Debt to Market Cap
 0.05 0.08 0.16 0.45 0.10
Interest Debt Per Share
 4.81 5.68 6.48 8.99 2.32
Net Debt to EBITDA
 -0.46 0.05 -5.49 -1.69 -2.31
Profitability Margins
Gross Profit Margin
62.19%60.99%58.25%69.88%90.48%
EBIT Margin
23.77%22.21%18.42%25.94%41.88%
EBITDA Margin
24.84%23.64%20.11%27.48%43.56%
Operating Profit Margin
23.77%22.21%18.42%25.94%41.88%
Pretax Profit Margin
23.77%22.21%18.42%25.94%41.88%
Net Profit Margin
19.55%18.33%15.37%21.25%33.71%
Continuous Operations Profit Margin
19.55%18.33%15.37%21.25%33.71%
Net Income Per EBT
82.22%82.53%83.46%81.89%80.49%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.82%0.76%0.61%0.76%1.08%
Return on Equity (ROE)
12.12%10.74%9.80%11.98%20.05%
Return on Capital Employed (ROCE)
1.00%0.93%10.16%12.65%21.00%
Return on Invested Capital (ROIC)
0.91%0.83%7.27%7.34%14.98%
Return on Tangible Assets
0.82%0.76%0.61%0.76%1.08%
Earnings Yield
9.03%9.85%8.26%11.33%12.68%
Efficiency Ratios
Receivables Turnover
 17.50 0.06 18.84 18.06 17.95
Payables Turnover
 3.99 4.05 3.63 2.29 5.07
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 28.41 25.95 20.44 15.95 13.66
Asset Turnover
 0.04 0.04 0.04 0.04 0.03
Working Capital Turnover Ratio
 0.05 0.78 -0.05 -0.05 -0.05
Cash Conversion Cycle
 -70.66 6.18K -81.19 -139.38 -51.67
Days of Sales Outstanding
 20.85 6.27K 19.37 20.21 20.34
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 91.51 90.14 100.56 159.59 72.01
Operating Cycle
 20.85 6.27K 19.37 20.21 20.34
Cash Flow Ratios
Operating Cash Flow Per Share
 2.09 1.68 1.31 2.57 2.64
Free Cash Flow Per Share
 2.12 1.60 1.21 2.46 2.54
CapEx Per Share
 0.03 0.08 0.10 0.11 0.10
Free Cash Flow to Operating Cash Flow
 1.02 0.95 0.93 0.96 0.96
Dividend Paid and CapEx Coverage Ratio
 1.99 2.98 2.53 5.07 5.92
Capital Expenditure Coverage Ratio
 62.30 20.31 13.46 24.19 27.69
Operating Cash Flow Coverage Ratio
 2.05 0.89 0.48 0.39 1.49
Operating Cash Flow to Sales Ratio
 0.20 0.17 0.15 0.33 0.38
Free Cash Flow Yield
9.81%8.77%7.28%16.73%13.75%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.10 10.17 12.12 8.83 7.89
Price-to-Sales (P/S) Ratio
 2.11 1.86 1.86 1.88 2.66
Price-to-Book (P/B) Ratio
 1.32 1.09 1.19 1.06 1.58
Price-to-Free Cash Flow (P/FCF) Ratio
 10.19 11.40 13.73 5.98 7.27
Price-to-Operating Cash Flow Ratio
 10.63 10.84 12.71 5.73 7.01
Price-to-Earnings Growth (PEG) Ratio
 0.37 0.33 -0.67 -0.31 1.60
Price-to-Fair Value
 1.32 1.09 1.19 1.06 1.58
Enterprise Value Multiple
 8.03 7.93 3.76 5.13 3.79
Enterprise Value
 155.53M 140.07M 51.39M 84.03M 86.68M
EV to EBITDA
 8.03 7.93 3.76 5.13 3.79
EV to Sales
 2.00 1.87 0.76 1.41 1.65
EV to Free Cash Flow
 9.64 11.48 5.58 4.50 4.52
EV to Operating Cash Flow
 9.79 10.91 5.17 4.31 4.35
Tangible Book Value Per Share
 16.83 16.69 13.98 13.90 11.70
Shareholders’ Equity Per Share
 16.83 16.69 13.98 13.90 11.70
Tax and Other Ratios
Effective Tax Rate
 0.18 0.17 0.17 0.18 0.20
Revenue Per Share
 10.25 9.77 8.92 7.84 6.96
Net Income Per Share
 2.00 1.79 1.37 1.67 2.35
Tax Burden
 0.82 0.83 0.83 0.82 0.80
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
 0.08 0.03 0.24 0.24 0.26
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 0.01
Income Quality
 1.04 0.94 0.95 1.54 1.12
Currency in USD