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Embassy Bancorp
(OTC:EMYB)
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Rating:76Outperform
Price Target:
$25.00
▲(11.11% Upside)
Action:Reiterated
Date:08/17/26
EMYB’s score is driven primarily by solid financial performance (notably a stronger balance sheet with low leverage and steady profitability) and reasonable valuation (moderate P/E plus dividend yield). Technicals are supportive but not strongly bullish, and recent corporate actions (dividend raise and buyback expansion) add a positive shareholder-return catalyst.
Positive Factors
Conservative balance sheet (zero reported debt)
Reported zero debt in the trailing twelve months indicates very low financial leverage, reducing refinancing and liquidity risk. That conservative capital structure supports regulatory flexibility, underwriting capacity for loan growth, and sustained ability to fund dividends and buybacks through cycles.
Negative Factors
Meaningful margin compression
Material compression in operating and net margins versus prior years suggests persistent pressure on interest spreads or fee mix. Sustained margin erosion can limit earnings growth even with revenue gains, reducing return on equity and constraining capital available for growth or payouts.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet (zero reported debt)
Reported zero debt in the trailing twelve months indicates very low financial leverage, reducing refinancing and liquidity risk. That conservative capital structure supports regulatory flexibility, underwriting capacity for loan growth, and sustained ability to fund dividends and buybacks through cycles.
Read all positive factors
Embassy Bancorp (EMYB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$163.85M
Dividend Yield2.47%
Average Volume (3M)6.32K
Price to Earnings (P/E)11.2
Beta (1Y)0.11
Revenue Growth8.76%
EPS Growth31.28%
CountryUS
Employees122
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.00
Shares Outstanding7,405,604
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution p...
How the Company Makes Money
Embassy Bancorp primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—primarily loans...
Embassy Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Sep 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 77.94M | 74.72M | 67.91M | 59.57M | 52.51M | 49.60M |
| Gross Profit | 48.47M | 45.57M | 39.56M | 41.63M | 47.52M | 44.68M |
| EBITDA | 19.36M | 17.66M | 13.66M | 16.37M | 22.88M | 21.72M |
| Net Income | 15.23M | 13.70M | 10.44M | 12.66M | 17.70M | 16.79M |
Balance Sheet | ||||||
| Total Assets | 1.86B | 1.80B | 1.70B | 1.66B | 1.64B | 1.63B |
| Cash, Cash Equivalents and Short-Term Investments | 364.64M | 355.39M | 142.72M | 353.98M | 383.29M | 478.96M |
| Total Debt | 7.75M | 14.40M | 20.52M | 50.24M | 13.38M | 25.90M |
| Total Liabilities | 1.73B | 1.67B | 1.60B | 1.55B | 1.55B | 1.51B |
| Stockholders Equity | 128.05M | 127.58M | 106.48M | 105.66M | 88.28M | 122.52M |
Cash Flow | ||||||
| Free Cash Flow | 16.14M | 12.20M | 9.21M | 18.69M | 19.19M | 13.74M |
| Operating Cash Flow | 15.89M | 12.83M | 9.94M | 19.50M | 19.91M | 15.25M |
| Investing Cash Flow | -49.38M | -67.63M | -36.15M | 3.25M | -161.32M | -156.21M |
| Financing Cash Flow | 74.62M | 71.13M | 43.81M | -11.13M | 39.01M | 178.75M |
Embassy Bancorp Technical Analysis
Positive
22.50
Price Trends
22.03
Positive
20.91
Positive
19.60
Positive
Market Momentum
0.06
Positive
52.83
Neutral
63.93
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 22.5 is above the 20-day moving average (MA) of 22.34, above the 50-day MA of 22.03, and above the 200-day MA of 19.60, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 52.83 is Neutral, neither overbought nor oversold. The STOCH value of 63.93 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $163.85M | 11.15 | 11.90% | 2.44% | 8.76% | 31.28% | |
71 Outperform | $199.83M | 13.73 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $186.58M | 18.94 | 5.68% | 1.08% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $181.21M | 11.00 | 8.36% | 2.48% | 1.82% | 27.47% | |
38 Underperform | $134.46M | -3.18 | -16.19% | 0.84% | -8.66% | -155.96% |
* Financial Sector Average
EMYB
Embassy Bancorp
22.30
5.53
32.98%
EBMT
Eagle Bancorp Montana
22.67
5.72
33.76%
FGBI
First Guaranty Bancshares
8.20
0.30
3.85%
RBKB
Rhinebeck Bancorp
12.63
3.03
31.60%
FNWD
Finward Bancorp
43.37
11.96
38.07%
ECBK
ECB Bancorp, Inc.
20.44
3.30
19.25%
Embassy Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Embassy Bancorp Raises Annual Dividend, Extends 17-Year Streak
Positive
Jun 17, 2026
On June 17, 2026, Embassy Bancorp, Inc., parent of Embassy Bank for the Lehigh Valley, announced its board declared an annual cash dividend of $0.55 per share, payable on July 14, 2026, to shareholders of record on June 26. The payout marks an inc...
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresShareholder Meetings
Embassy Bancorp Shareholders Approve Directors and Auditor Slate
Positive
Jun 17, 2026
At its June 17, 2026 annual meeting of shareholders, Embassy Bancorp outlined governance items including the election of two Class 1 directors for three-year terms and the ratification of Baker Tilly US, LLP as its independent auditor for 2026, wh...
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.