Embassy Bancorp, Inc. (EMYB)

Embassy Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 24, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	148	137	126	112	140	152
Market Cap Growth	46.52%	8.67%	13.08%	-20.41%	-7.75%	38.52%
Last Close Price	19.55	18.20	16.11	13.82	16.90	18.10
PE Ratio	10.92	10.03	12.11	8.83	7.93	9.07
PS Ratio	3.24	3.01	3.18	2.67	2.94	3.39
PB Ratio	1.16	1.08	1.19	1.06	1.59	1.24
P/FCF Ratio	12.12	11.26	13.73	5.98	7.32	11.08
P/OCF Ratio	11.52	10.70	12.71	5.73	7.05	9.98
Debt / Equity Ratio	0.11	0.11	0.25	0.54	0.23	0.28
Debt / FCF Ratio	1.18	1.18	2.88	3.04	1.08	2.53
Net Debt / Equity Ratio	-0.77	-0.77	-0.66	-0.21	-0.53	-1.10
Net Debt / FCF Ratio	-8.07	-8.07	-7.60	-1.18	-2.43	-9.82
Return on Equity (ROE)	11.70%	11.70%	9.84%	13.05%	16.80%	14.31%
Return on Assets (ROA)	0.78%	0.78%	0.62%	0.77%	1.08%	1.09%
Earnings Yield	9.26%	9.97%	8.26%	11.32%	12.60%	11.03%
FCF Yield	8.25%	8.88%	7.28%	16.72%	13.66%	9.02%
Dividend Yield	2.46%	2.64%	2.61%	2.89%	2.07%	1.66%
Payout Ratio	26.79%	26.79%	30.64%	24.03%	14.94%	13.42%
Buyback Yield / Dilution	-0.24%	-0.24%	-0.19%	-0.38%	-0.22%	-0.41%
Total Shareholder Return	2.21%	2.39%	2.42%	2.52%	1.85%	1.24%

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