Embassy Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Apr '25 Apr 23, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	113	126	112	140	152	110	Upgrade
Market Cap Growth	13.08%	13.08%	-20.41%	-7.75%	38.52%	-20.55%	Upgrade
Last Close Price	14.79	16.60	14.24	17.41	18.65	13.28	Upgrade
PE Ratio	10.80	12.11	8.83	7.93	9.07	8.58	Upgrade
PS Ratio	2.84	3.18	2.67	2.94	3.39	2.90	Upgrade
PB Ratio	1.06	1.19	1.06	1.59	1.24	0.98	Upgrade
P/FCF Ratio	12.28	13.73	5.98	7.32	11.08	9.43	Upgrade
P/OCF Ratio	11.37	12.71	5.73	7.05	9.98	8.06	Upgrade
Debt / Equity Ratio	0.25	0.25	0.54	0.23	0.28	0.79	Upgrade
Debt / FCF Ratio	2.88	2.88	3.04	1.08	2.53	7.58	Upgrade
Return on Equity (ROE)	9.84%	9.84%	13.05%	16.80%	14.31%	12.10%	Upgrade
Return on Assets (ROA)	0.62%	0.62%	0.77%	1.08%	1.09%	0.98%	Upgrade
Earnings Yield	9.23%	8.26%	11.32%	12.60%	11.03%	11.65%	Upgrade
FCF Yield	8.14%	7.28%	16.72%	13.66%	9.02%	10.60%	Upgrade
Dividend Yield	2.84%	2.53%	2.81%	2.01%	1.61%	1.66%	Upgrade
Payout Ratio	30.64%	30.64%	24.03%	14.94%	13.42%	12.83%	Upgrade
Buyback Yield / Dilution	-0.19%	-0.19%	-0.38%	-0.22%	-0.41%	0.27%	Upgrade
Total Shareholder Return	2.65%	2.34%	2.43%	1.79%	1.19%	1.93%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.