Embassy Bancorp Inc (EMYB)
OTHER OTC:EMYB
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Embassy Bancorp
(OTC:EMYB)
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Rating:77Outperform
Price Target:
$23.50
▲(37.19% Upside)
Action:Reiterated
Date:06/02/26
The score is driven primarily by solid financial performance (strong revenue momentum, conservative leverage, and good cash conversion) and supported by a constructive technical uptrend. Valuation (P/E ~10.84 and ~2.32% yield) and the expanded buyback program further support the outlook, partially offset by margin compression and momentum nearing overbought levels.
Positive Factors
Very low leverage (debt reported at zero in TTM)
Debt reported at zero in the trailing twelve months materially lowers financial risk and increases capital flexibility. This durable strength supports lending capacity, regulatory headroom and the ability to fund growth or returns without relying on costly wholesale borrowings, aiding stability.
Negative Factors
Meaningful margin compression versus earlier years
Sustained margin compression suggests pressure on net interest spreads or fee margins that can erode medium-term profitability if structural. Unless offset by higher volumes, pricing power or cost efficiencies, compressed margins reduce the bank's capacity to boost returns or absorb shocks over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Very low leverage (debt reported at zero in TTM)
Debt reported at zero in the trailing twelve months materially lowers financial risk and increases capital flexibility. This durable strength supports lending capacity, regulatory headroom and the ability to fund growth or returns without relying on costly wholesale borrowings, aiding stability.
Read all positive factors
Embassy Bancorp (EMYB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$152.78M
Dividend Yield2.62%
Average Volume (3M)6.32K
Price to Earnings (P/E)11.1
Beta (1Y)0.09
Revenue Growth9.27%
EPS Growth35.10%
CountryUS
Employees112
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.91
Shares Outstanding7,414,465
10 Day Avg. Volume1,879
30 Day Avg. Volume6,315
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.09
Price to Sales (P/S)1.86
P/FCF Ratio11.40
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue1.99
Enterprise Value/Gross Profit3.21
Enterprise Value/Ebitda8.07
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Embassy Bancorp Business Overview & Revenue Model
Company Description
Embassy Bancorp (EMYB) is a financial institution primarily engaged in providing a variety of banking services to individuals and businesses. Operating within the banking sector, the company offers products such as savings and checking accounts, l...
How the Company Makes Money
Embassy Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets (primarily loans to...
Embassy Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
83
Very Positive
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Sep 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 76.21M | 74.72M | 67.91M | 59.57M | 52.51M | 49.60M |
| Gross Profit | 47.14M | 45.57M | 39.56M | 41.63M | 47.52M | 44.68M |
| EBITDA | 18.76M | 17.66M | 13.66M | 16.37M | 22.88M | 21.72M |
| Net Income | 14.55M | 13.70M | 10.44M | 12.66M | 17.70M | 16.79M |
Balance Sheet | ||||||
| Total Assets | 1.84B | 1.80B | 1.70B | 1.66B | 1.64B | 1.63B |
| Cash, Cash Equivalents and Short-Term Investments | 364.62M | 355.39M | 142.72M | 353.98M | 383.29M | 478.96M |
| Total Debt | 12.71M | 14.40M | 20.52M | 50.24M | 13.38M | 25.90M |
| Total Liabilities | 1.72B | 1.67B | 1.60B | 1.55B | 1.55B | 1.51B |
| Stockholders Equity | 124.81M | 127.58M | 106.48M | 105.66M | 88.28M | 122.52M |
Cash Flow | ||||||
| Free Cash Flow | 14.76M | 12.20M | 9.21M | 18.69M | 19.19M | 13.74M |
| Operating Cash Flow | 14.98M | 12.83M | 9.94M | 19.50M | 19.91M | 15.25M |
| Investing Cash Flow | -38.45M | -67.63M | -36.15M | 3.25M | -161.32M | -156.21M |
| Financing Cash Flow | 67.39M | 71.13M | 43.81M | -11.13M | 39.01M | 178.75M |
Embassy Bancorp Technical Analysis
Positive
17.13
Price Trends
20.04
Positive
19.73
Positive
18.62
Positive
Market Momentum
0.23
Negative
70.34
Negative
65.62
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EMYB, the sentiment is Positive. The current price of 17.13 is below the 20-day moving average (MA) of 20.53, below the 50-day MA of 20.04, and below the 200-day MA of 18.62, indicating a bullish trend. The MACD of 0.23 indicates Negative momentum. The RSI at 70.34 is Negative, neither overbought nor oversold. The STOCH value of 65.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EMYB.
Embassy Bancorp Risk Analysis
Embassy Bancorp disclosed 30 risk factors in its most recent earnings report. Embassy Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Embassy Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $152.78M | 11.08 | 11.49% | 2.62% | 9.27% | 35.10% | |
70 Outperform | $176.04M | 11.38 | 8.29% | 2.93% | 3.88% | 40.69% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $182.85M | 17.75 | 7.42% | ― | 36.10% | ― | |
62 Neutral | $139.43M | 14.15 | 5.92% | 0.97% | 0.68% | 199.51% | |
51 Neutral | $155.92M | -3.17 | -20.17% | 0.84% | -6.78% | -2658.21% |
* Financial Sector Average
EMYB
Embassy Bancorp
21.20
6.32
42.46%
EBMT
Eagle Bancorp Montana
22.68
6.52
40.35%
FGBI
First Guaranty Bancshares
9.46
0.64
7.27%
RBKB
Rhinebeck Bancorp
16.33
4.60
39.22%
FNWD
Finward Bancorp
32.68
3.23
10.97%
ECBK
ECB Bancorp, Inc.
18.07
2.18
13.72%
Embassy Bancorp Corporate Events
Business Operations and StrategyStock Buyback
Embassy Bancorp Expands Common Stock Share Repurchase Program
Positive
Jun 1, 2026
On June 1, 2026, Embassy Bancorp, Inc., parent of community lender Embassy Bank For the Lehigh Valley, expanded its existing common stock repurchase program by authorizing the buyback of up to an additional $5 million of its outstanding common sha...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.