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
Period Ending	Mar '26 Mar 4, 2026	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
Market Capitalization	154	126	112	140	152	110
Market Cap Growth	49.43%	13.08%	-20.41%	-7.75%	38.52%	-20.55%
Last Close Price	20.30	16.11	13.82	16.90	18.10	12.89
PE Ratio	12.15	12.11	8.83	7.93	9.07	8.58
PS Ratio	3.49	3.18	2.67	2.94	3.39	2.90
PB Ratio	1.25	1.19	1.06	1.59	1.24	0.98
P/FCF Ratio	14.82	13.73	5.98	7.32	11.08	9.43
P/OCF Ratio	13.81	12.71	5.73	7.05	9.98	8.06
Debt / Equity Ratio	0.10	0.25	0.54	0.23	0.28	0.79
Debt / FCF Ratio	1.17	2.88	3.04	1.08	2.53	7.58
Net Debt / Equity Ratio	-0.78	-0.66	-0.21	-0.53	-1.10	-0.39
Net Debt / FCF Ratio	-9.26	-7.60	-1.18	-2.43	-9.82	-3.75
Return on Equity (ROE)	10.82%	9.84%	13.05%	16.80%	14.31%	12.10%
Return on Assets (ROA)	0.73%	0.62%	0.77%	1.08%	1.09%	0.98%
Earnings Yield	8.35%	8.26%	11.32%	12.60%	11.03%	11.65%
FCF Yield	6.75%	7.28%	16.72%	13.66%	9.02%	10.60%
Dividend Yield	2.36%	2.61%	2.89%	2.07%	1.66%	1.71%
Payout Ratio	28.63%	30.64%	24.03%	14.94%	13.42%	12.83%
Buyback Yield / Dilution	-0.35%	-0.19%	-0.38%	-0.22%	-0.41%	0.27%
Total Shareholder Return	2.00%	2.42%	2.52%	1.85%	1.24%	1.98%

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