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Total Valuation
Embassy Bancorp has a market cap or net worth of $164.77M. The enterprise value is $150.96.
Market Cap$164.77M
Enterprise Value$150.96
Share Statistics
Embassy Bancorp has 7,405,604 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,405,604
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 Employee612.47K
Profits Per Employee112.27K
Employee Count122
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Embassy Bancorp is 11.1. Embassy Bancorp’s PEG ratio is 0.33.
PE Ratio11.1
PS Ratio1.86
PB Ratio1.09
Price to Fair Value1.09
Price to FCF11.40
Price to Operating Cash Flow10.65
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 15.89M and capital expenditures 255.00K, giving a free cash flow of 16.14M billion.
Operating Cash Flow15.89M
Free Cash Flow16.14M
Free Cash Flow per Share2.18
Dividends & Yields
Embassy Bancorp pays an annual dividend of $0.55, resulting in a dividend yield of 2.47%
Dividend Per Share$0.55
Dividend Yield2.47%
Payout Ratio28.75%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.11
52-Week Price Change32.40%
50-Day Moving Average22.14
200-Day Moving Average19.76
Relative Strength Index (RSI)50.95
Average Volume (3m)3.84K
Important Dates
Embassy Bancorp upcoming earnings date is Nov 13, 2026, Before Open (Confirmed).
Last Earnings DateAug 24, 2026
Next Earnings DateNov 13, 2026
Ex-Dividend Date―
Financial Position
Embassy Bancorp as a current ratio of 138.93, with Debt / Equity ratio of 6.05%
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 $364.64M 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$16.69
Margins
Gross margin is 62.19%, with operating margin of 22.21%, and net profit margin of 18.33%.
Gross Margin62.19%
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 Forecast8.76%
EPS Growth Forecast31.28%