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Embassy Bancorp Inc (EMYB)
OTHER OTC:EMYB
Total Valuation
Embassy Bancorp has a market cap or net worth of $132.87M. The enterprise value is $113.71M.
Market Cap$132.87M
Enterprise Value$113.71M
Share Statistics
Embassy Bancorp has 7,645,249 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,645,249
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
Embassy Bancorp’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is -2883.98%.
Return on Equity (ROE)0.10
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-2883.98%
Return on Capital Employed (ROCE)0.10
Revenue Per Employee606.36K
Profits Per Employee93.21K
Employee Count112
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Embassy Bancorp is 11.3. Embassy Bancorp’s PEG ratio is ―.
PE Ratio11.3
PS Ratio―
PB Ratio―
Price to Fair Value1.19
Price to FCF―
Price to Operating Cash Flow10.46
PEG Ratio―
Income Statement
In the last 12 months, Embassy Bancorp had revenue of 67.91M and earned 10.44M in profits. Earnings per share was 1.37.
Revenue67.91M
Gross Profit39.56M
Operating Income12.51M
Pretax Income12.51M
Net Income10.44M
EBITDA13.66M
Earnings Per Share (EPS)1.37
Cash Flow
In the last 12 months, operating cash flow was 12.79M and capital expenditures -792.00K, giving a free cash flow of 12.08M billion.
Operating Cash Flow12.79M
Free Cash Flow12.08M
Free Cash Flow per Share1.58
Dividends & Yields
Embassy Bancorp pays an annual dividend of $0.48, resulting in a dividend yield of 2.76%
Dividend Per Share$0.48
Dividend Yield2.76%
Payout Ratio31.21%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta-0.02
52-Week Price Change15.18%
50-Day Moving Average16.56
200-Day Moving Average15.58
Relative Strength Index (RSI)63.16
Average Volume (3m)10.14K
Important Dates
Embassy Bancorp upcoming earnings date is Nov 14, 2025, Before Open (Confirmed).
Last Earnings DateAug 15, 2025
Next Earnings DateNov 14, 2025
Ex-Dividend DateJun 27, 2025
Financial Position
Embassy Bancorp as a current ratio of 0.98, with Debt / Equity ratio of 6.93%
Current Ratio0.98
Quick Ratio0.98
Debt to Market Cap0.16
Net Debt to EBITDA0.30
Interest Coverage Ratio0.43
Taxes
In the past 12 months, Embassy Bancorp has paid 2.07M in taxes.
Income Tax2.07M
Effective Tax Rate0.17
Enterprise Valuation
Embassy Bancorp EV to EBITDA ratio is 9.56, with an EV/FCF ratio of 14.18.
EV to Sales1.92
EV to EBITDA9.56
EV to Free Cash Flow14.18
EV to Operating Cash Flow13.13
Balance Sheet
Embassy Bancorp has $274.71M in cash and marketable securities with $7.93M in debt, giving a net cash position of $266.78M billion.
Cash & Marketable Securities$274.71M
Total Debt$7.93M
Net Cash$266.78M
Net Cash Per Share$34.89
Tangible Book Value Per Share$13.98
Margins
Gross margin is 58.87%, with operating margin of 18.42%, and net profit margin of 15.37%.
Gross Margin58.87%
Operating Margin18.42%
Pretax Margin18.42%
Net Profit Margin15.37%
EBITDA Margin20.11%
EBIT Margin18.42%
Analyst Forecast
The average price target for Embassy Bancorp is $18.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$18.50
Price Target Upside6.44% Upside
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast13.45%
EPS Growth Forecast7.82%