Embassy Bancorp, Inc. (EMYB)

Embassy Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 27, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	126	112	140	152	110	138
Market Cap Growth	2.54%	-20.41%	-7.75%	38.52%	-20.55%	23.48%
Last Close Price	16.60	14.24	17.41	18.65	13.28	16.53
PE Ratio	11.96	8.83	7.93	9.07	8.58	12.72
PS Ratio	3.24	2.67	2.94	3.38	2.90	3.94
PB Ratio	1.10	1.06	1.59	1.24	0.98	1.39
P/FCF Ratio	12.85	5.98	7.32	11.08	9.43	10.23
P/OCF Ratio	11.38	5.73	7.05	9.98	8.06	9.67
Debt / Equity Ratio	0.35	0.54	0.23	0.28	0.79	0.35
Debt / FCF Ratio	4.07	3.04	1.08	2.53	7.58	2.59
Return on Equity (ROE)	10.56%	13.05%	16.80%	14.30%	12.10%	11.65%
Return on Assets (ROA)	0.62%	0.77%	1.08%	1.09%	0.98%	0.96%
Earnings Yield	8.36%	11.32%	12.60%	11.03%	11.66%	7.86%
FCF Yield	7.78%	16.72%	13.66%	9.02%	10.60%	9.78%
Dividend Yield	2.53%	2.81%	2.01%	1.61%	1.66%	1.21%
Payout Ratio	30.29%	24.03%	14.94%	13.42%	12.83%	13.74%
Buyback Yield / Dilution	-0.22%	-0.38%	-0.22%	-0.41%	0.27%	-0.21%
Total Shareholder Return	2.31%	2.43%	1.79%	1.19%	1.93%	1.00%

Source: S&P Capital IQ. Banks template. Financial Sources.