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Embassy Bancorp (EMYB) AI Stock Analysis
Embassy Bancorp
(Other OTC:EMYB)
Embassy Bancorp achieves a strong overall score, driven primarily by exceptionally shareholder-friendly corporate actions, including significant dividend hikes and an expanded buyback program. The bank's highly conservative balance sheet, characterized by nearly eliminated debt, and attractive valuation multiples further anchor its stability. While short-term technicals show a minor consolidation, the long-term trend remains positive, making the stock an appealing prospect for value and income-focused investors.
Embassy Bancorp (EMYB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $157.00M
- Dividend Yield
- 2.59%
- Average Volume (3M)
- 6,024
- Price to Earnings (P/E)
- 10.6
- Beta (1Y)
- 0.12
- Revenue Growth
- 8.76%
- EPS Growth
- 31.28%
- Country
- US
- Employees
- 122
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 prov...
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 to...
Embassy Bancorp Financial Statement Overview
Summary
Embassy Bancorp exhibits a fundamentally sound profile, highlighted by aggressive debt reduction resulting in a minimal debt-to-equity ratio of 0.06. The company also demonstrates a robust 1.01 free cash flow to net income conversion rate. Despite historical profit margin compression, recent TTM figures show a solid recovery trajectory in net income and operational efficiency.
Income Statement
76PositiveBalance Sheet
88Very PositiveCash Flow
85Very 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 | 19.64M | 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
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EMYB, the sentiment is Negative. The current price of 21.20 is below the 20-day moving average (MA) of 21.32, below the 50-day MA of 21.80, and above the 200-day MA of 20.59, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 41.03 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Latest Risks Added
0 New RisksEmbassy Bancorp Peers Comparison
Overall Rating
- EMYB83Outperform
RBKB71Outperform
FNWD69Neutral
EBMT55Neutral
FGBI53Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| EMYB | 83Outperform | $157.00M | 10.60 | 12.12% | 2.59% | 8.76% | 31.28% |
| RBKB | 71Outperform | $202.17M | 14.69 | 6.49% | ― | 9.53% | 103.97% |
| FNWD | 69Neutral | $187.57M | 24.20 | 4.50% | 1.11% | -0.28% | -6.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| EBMT | 55Neutral | $168.95M | 10.77 | 7.98% | 2.75% | 1.58% | 13.99% |
| FGBI | 53Neutral | $158.61M | 8.56 | 9.18% | 0.42% | -2.49% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| EMYB | Embassy Bancorp | 21.20 | 4.32 | 25.62% | |
| EBMT | Eagle Bancorp Montana | 21.21 | 5.28 | 33.17% | |
| FGBI | First Guaranty Bancshares | 9.59 | 3.42 | 55.30% | |
| RBKB | Rhinebeck Bancorp | 12.93 | 5.78 | 80.94% | |
| FNWD | Finward Bancorp | 43.31 | 9.33 | 27.44% | |
| ECBK | ECB Bancorp, Inc. | 21.36 | 5.10 | 31.37% |
Embassy Bancorp Corporate Events
Embassy Bancorp Raises Annual Dividend, Extends 17-Year Streak
PositiveOn 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 increa...
Embassy Bancorp Shareholders Approve Directors and Auditor Slate
PositiveAt 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, while...
Embassy Bancorp Expands Common Stock Share Repurchase Program
PositiveOn 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 shares...
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.
Date of analysis: Aug 17, 2026