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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 7, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	160	137	126	112	140	152
Market Cap Growth	35.28%	8.67%	13.08%	-20.41%	-7.75%	38.52%
Last Close Price	21.55	17.74	15.71	13.47	16.48	17.65
PE Ratio	11.28	10.03	12.11	8.83	7.93	9.07
PS Ratio	3.37	3.01	3.18	2.67	2.94	3.39
PB Ratio	1.28	1.08	1.19	1.06	1.59	1.24
P/FCF Ratio	11.20	11.26	13.73	5.98	7.32	11.08
P/OCF Ratio	10.66	10.70	12.71	5.73	7.05	9.98
Debt / Equity Ratio	0.10	0.11	0.25	0.54	0.23	0.28
Debt / FCF Ratio	0.89	1.18	2.88	3.04	1.08	2.53
Net Debt / Equity Ratio	-1.03	-0.77	-0.66	-0.21	-0.53	-1.10
Net Debt / FCF Ratio	-9.06	-8.07	-7.60	-1.18	-2.43	-9.82
Return on Equity (ROE)	12.26%	11.70%	9.84%	13.05%	16.80%	14.31%
Return on Assets (ROA)	0.81%	0.78%	0.62%	0.77%	1.08%	1.09%
Earnings Yield	9.11%	9.97%	8.26%	11.32%	12.60%	11.03%
FCF Yield	8.93%	8.88%	7.28%	16.72%	13.66%	9.02%
Dividend Yield	2.23%	2.71%	2.67%	2.97%	2.12%	1.70%
Payout Ratio	25.22%	26.79%	30.64%	24.03%	14.94%	13.42%
Buyback Yield / Dilution	0.20%	-0.24%	-0.19%	-0.38%	-0.22%	-0.41%
Total Shareholder Return	2.42%	2.46%	2.48%	2.59%	1.91%	1.29%