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Embassy Bancorp (EMYB) Stock Statistics & Valuation Metrics

Total Valuation

Embassy Bancorp has a market cap or net worth of $157.00M. The enterprise value is $150.96M.

Market Cap
$157.00M
Enterprise Value
$150.96M

Share Statistics

Embassy Bancorp has 7,405,604 shares outstanding. The number of shares has decreased by -2.65% in one year.

Shares Outstanding
7,405,604
Owned by Insiders
30.73%
Owned by Institutions
6.16%

Financial Efficiency

Embassy Bancorp’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 0.83%.

Return on Equity (ROE)
0.11
Return on Assets (ROA)
0.01
Return on Invested Capital (ROIC)
0.83%
Return on Capital Employed (ROCE)
0.01
Revenue Per Employee
612.47K
Profits Per Employee
112.27K
Employee Count
122
Asset Turnover
0.04
Inventory Turnover
0.00

Valuation Ratios

The current PE Ratio of Embassy Bancorp is 10.60. Embassy Bancorp’s PEG ratio is 0.35.

PE Ratio
10.60
PS Ratio
2.01
PB Ratio
1.26
Price to FCF
9.73
Price to Operating Cash Flow
10.15
PEG Ratio
0.35

Income Statement

In the last 12 months, Embassy Bancorp had revenue of 74.72M and earned 13.70M in profits. Earnings per share was 1.79.

Revenue
74.72M
Gross Profit
45.57M
Operating Income
16.60M
Pretax Income
16.60M
Net Income
13.70M
EBITDA
17.66M
Earnings Per Share (EPS)
1.79

Cash Flow

In the last 12 months, operating cash flow was 15.89M and capital expenditures 255,000, giving a free cash flow of 16.14M billion.

Operating Cash Flow
15.89M
Free Cash Flow
16.14M
Free Cash Flow per Share
2.12

Dividends & Yields

Embassy Bancorp pays an annual dividend of $0.55, resulting in a dividend yield of 2.59%

Dividend Per Share
$0.55
Dividend Yield
2.59%
Payout Ratio
28.75%
Free Cash Flow Yield
10.28%
Earnings Yield
9.45%

Stock Price Statistics

Beta
0.12
52-Week Price Change
20.87%
50-Day Moving Average
21.80
200-Day Moving Average
20.67
Relative Strength Index (RSI)
41.03
Average Volume (3m)
6,024

Important Dates

Embassy Bancorp upcoming earnings date is Nov 13, 2026, TBA (Not Confirmed).

Last Earnings Date
Aug 24, 2026
Next Earnings Date
Nov 13, 2026
Ex-Dividend Date
Jun 26, 2026

Financial Position

Embassy Bancorp as a current ratio of 138.93, with Debt / Equity ratio of 11.29%

Current Ratio
138.93
Quick Ratio
138.93
Debt to Market Cap
0.08
Net Debt to EBITDA
0.05
Interest Coverage Ratio
0.57

Taxes

In the past 12 months, Embassy Bancorp has paid 2.90M in taxes.

Income Tax
2.90M
Effective Tax Rate
0.17

Enterprise Valuation

Embassy Bancorp EV to EBITDA ratio is 7.53, with an EV/FCF ratio of 9.17.

EV to Sales
1.90
EV to EBITDA
7.53
EV to Free Cash Flow
9.17
EV to Operating Cash Flow
9.32

Balance Sheet

Embassy Bancorp has $364.64M in cash and marketable securities with $7.75M in debt, giving a net cash position of $356.89M billion.

Cash & Marketable Securities
$364.64M
Total Debt
$7.75M
Net Cash
$356.89M
Net Cash Per Share
$48.19
Tangible Book Value Per Share
$16.83

Margins

Gross margin is 62.19%, with operating margin of 23.77%, and net profit margin of 19.55%.

Gross Margin
62.19%
Operating Margin
23.77%
Pretax Margin
23.77%
Net Profit Margin
19.55%
EBITDA Margin
25.20%
EBIT Margin
23.77%

Analyst Forecast

The average price target for Embassy Bancorp is ―, which is 11.43% higher than the current price. The consensus rating is ―

Price Target
―
Price Target Upside
―
Analyst Consensus
―
Analyst Count
―
Revenue Growth Forecast
8.76%
EPS Growth Forecast
31.28%

Scores

Smart Score
5
AI Score
76