Embassy Bancorp Statistics
Total Valuation
Embassy Bancorp has a market cap or net worth of 129.20 million.
| Market Cap | 129.20M |
| Enterprise Value | n/a |
Important Dates
The last earnings date was Wednesday, August 13, 2025.
| Earnings Date | Aug 13, 2025 |
| Ex-Dividend Date | Jun 27, 2025 |
Share Statistics
Embassy Bancorp has 7.65 million shares outstanding. The number of shares has increased by 0.31% in one year.
| Current Share Class | 7.65M |
| Shares Outstanding | 7.65M |
| Shares Change (YoY) | +0.31% |
| Shares Change (QoQ) | +0.09% |
| Owned by Insiders (%) | 28.85% |
| Owned by Institutions (%) | 3.30% |
| Float | 4.74M |
Valuation Ratios
The trailing PE ratio is 10.99.
| PE Ratio | 10.99 |
| Forward PE | n/a |
| PS Ratio | 3.05 |
| PB Ratio | 1.13 |
| P/TBV Ratio | 1.13 |
| P/FCF Ratio | 10.77 |
| P/OCF Ratio | 10.10 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.66 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.82%.
| Return on Equity (ROE) | 10.82% |
| Return on Assets (ROA) | 0.68% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | 338,768 |
| Profits Per Employee | 93,888 |
| Employee Count | 112 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Embassy Bancorp has paid 2.39 million in taxes.
| Income Tax | 2.39M |
| Effective Tax Rate | 16.91% |
Stock Price Statistics
The stock price has increased by +12.67% in the last 52 weeks. The beta is 0.24, so Embassy Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.24 |
| 52-Week Price Change | +12.67% |
| 50-Day Moving Average | 16.13 |
| 200-Day Moving Average | 15.87 |
| Relative Strength Index (RSI) | 82.13 |
| Average Volume (20 Days) | 15,119 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.03 |
Income Statement
In the last 12 months, Embassy Bancorp had revenue of 42.35 million and earned 11.74 million in profits. Earnings per share was 1.54.
| Revenue | 42.35M |
| Gross Profit | 42.35M |
| Operating Income | 15.88M |
| Pretax Income | 14.12M |
| Net Income | 11.74M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 1.54 |
Balance Sheet
The company has 91.82 million in cash and 7.93 million in debt, giving a net cash position of 83.89 million or 10.97 per share.
| Cash & Cash Equivalents | 91.82M |
| Total Debt | 7.93M |
| Net Cash | 83.89M |
| Net Cash Per Share | 10.97 |
| Equity (Book Value) | 114.31M |
| Book Value Per Share | 14.95 |
| Working Capital | -1.53B |
Cash Flow
In the last 12 months, operating cash flow was 12.79 million and capital expenditures -792,000, giving a free cash flow of 12.00 million.
| Operating Cash Flow | 12.79M |
| Capital Expenditures | -792,000 |
| Free Cash Flow | 12.00M |
| FCF Per Share | 1.57 |
Margins
| Gross Margin | n/a |
| Operating Margin | 37.51% |
| Pretax Margin | 33.35% |
| Profit Margin | 27.71% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.34% |
Dividends & Yields
This stock pays an annual dividend of 0.48, which amounts to a dividend yield of 2.84%.
| Dividend Per Share | 0.48 |
| Dividend Yield | 2.84% |
| Dividend Growth (YoY) | 14.29% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 27.26% |
| Buyback Yield | -0.31% |
| Shareholder Yield | 2.51% |
| Earnings Yield | 9.08% |
| FCF Yield | 9.29% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |