Embassy Bancorp Inc (EMYB)
OTHER OTC:EMYB
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Total Valuation
Embassy Bancorp has a market cap or net worth of $153.48M. The enterprise value is $151.40M.
Market Cap$153.48M
Enterprise Value$151.40M
Share Statistics
Embassy Bancorp has 7,414,465 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,414,465
Owned by Insiders―
Owned by Institutions―
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 Employee667.15K
Profits Per Employee122.29K
Employee Count112
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Embassy Bancorp is 10.8. Embassy Bancorp’s PEG ratio is 0.33.
PE Ratio10.8
PS Ratio1.86
PB Ratio1.09
Price to Fair Value1.09
Price to FCF11.40
Price to Operating Cash Flow10.51
PEG Ratio0.33
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.
Revenue74.72M
Gross Profit45.57M
Operating Income16.60M
Pretax Income16.60M
Net Income13.70M
EBITDA17.66M
Earnings Per Share (EPS)1.79
Cash Flow
In the last 12 months, operating cash flow was 14.98M and capital expenditures -225.00K, giving a free cash flow of 14.76M billion.
Operating Cash Flow14.98M
Free Cash Flow14.76M
Free Cash Flow per Share1.99
Dividends & Yields
Embassy Bancorp pays an annual dividend of $0.48, resulting in a dividend yield of 2.62%
Dividend Per Share$0.48
Dividend Yield2.62%
Payout Ratio28.61%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.09
52-Week Price Change38.03%
50-Day Moving Average19.98
200-Day Moving Average18.57
Relative Strength Index (RSI)61.97
Average Volume (3m)6.32K
Important Dates
Embassy Bancorp upcoming earnings date is Aug 24, 2026, Before Open (Confirmed).
Last Earnings DateMay 15, 2026
Next Earnings DateAug 24, 2026
Ex-Dividend Date―
Financial Position
Embassy Bancorp as a current ratio of 138.93, with Debt / Equity ratio of 10.18%
Current Ratio138.93
Quick Ratio138.93
Debt to Market Cap0.08
Net Debt to EBITDA0.05
Interest Coverage Ratio0.57
Taxes
In the past 12 months, Embassy Bancorp has paid 2.90M in taxes.
Income Tax2.90M
Effective Tax Rate0.17
Enterprise Valuation
Embassy Bancorp EV to EBITDA ratio is 7.93, with an EV/FCF ratio of 11.48.
EV to Sales1.87
EV to EBITDA7.93
EV to Free Cash Flow11.48
EV to Operating Cash Flow10.91
Balance Sheet
Embassy Bancorp has $364.62M in cash and marketable securities with $12.71M in debt, giving a net cash position of $351.91M billion.
Cash & Marketable Securities$364.62M
Total Debt$12.71M
Net Cash$351.91M
Net Cash Per Share$47.46
Tangible Book Value Per Share$16.69
Margins
Gross margin is 61.85%, with operating margin of 22.21%, and net profit margin of 18.33%.
Gross Margin61.85%
Operating Margin22.21%
Pretax Margin22.21%
Net Profit Margin18.33%
EBITDA Margin23.64%
EBIT Margin22.21%
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 Count0
Revenue Growth Forecast9.27%
EPS Growth Forecast35.10%