Embassy Bancorp Statistics
Total Valuation
Embassy Bancorp has a market cap or net worth of 147.86 million.
| Market Cap | 147.86M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Thursday, March 26, 2026.
| Earnings Date | Mar 26, 2026 |
| Ex-Dividend Date | Jun 27, 2025 |
Share Statistics
Embassy Bancorp has 7.56 million shares outstanding. The number of shares has increased by 0.24% in one year.
| Current Share Class | 7.56M |
| Shares Outstanding | 7.56M |
| Shares Change (YoY) | +0.24% |
| Shares Change (QoQ) | -0.53% |
| Owned by Insiders (%) | 29.67% |
| Owned by Institutions (%) | 6.04% |
| Float | 4.62M |
Valuation Ratios
The trailing PE ratio is 10.92.
| PE Ratio | 10.92 |
| Forward PE | n/a |
| PS Ratio | 3.24 |
| PB Ratio | 1.16 |
| P/TBV Ratio | 1.16 |
| P/FCF Ratio | 12.12 |
| P/OCF Ratio | 11.52 |
| 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 | 1.18 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.70%.
| Return on Equity (ROE) | 11.70% |
| Return on Assets (ROA) | 0.78% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.49% |
| Revenue Per Employee | 399,772 |
| Profits Per Employee | 120,149 |
| Employee Count | 114 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Embassy Bancorp has paid 2.90 million in taxes.
| Income Tax | 2.90M |
| Effective Tax Rate | 17.47% |
Stock Price Statistics
The stock price has increased by +24.21% in the last 52 weeks. The beta is 0.12, so Embassy Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.12 |
| 52-Week Price Change | +24.21% |
| 50-Day Moving Average | 18.99 |
| 200-Day Moving Average | 16.98 |
| Relative Strength Index (RSI) | 51.18 |
| Average Volume (20 Days) | 9,671 |
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) | 0.07 |
Income Statement
In the last 12 months, Embassy Bancorp had revenue of 45.57 million and earned 13.70 million in profits. Earnings per share was 1.79.
| Revenue | 45.57M |
| Gross Profit | 45.57M |
| Operating Income | 18.39M |
| Pretax Income | 16.60M |
| Net Income | 13.70M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 1.79 |
Balance Sheet
The company has 112.86 million in cash and 14.40 million in debt, with a net cash position of 98.46 million or 13.02 per share.
| Cash & Cash Equivalents | 112.86M |
| Total Debt | 14.40M |
| Net Cash | 98.46M |
| Net Cash Per Share | 13.02 |
| Equity (Book Value) | 127.58M |
| Book Value Per Share | 16.90 |
| Working Capital | -1.54B |
Cash Flow
In the last 12 months, operating cash flow was 12.83 million and capital expenditures -632,000, giving a free cash flow of 12.20 million.
| Operating Cash Flow | 12.83M |
| Capital Expenditures | -632,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -10.64M |
| Free Cash Flow | 12.20M |
| FCF Per Share | 1.61 |
Margins
| Gross Margin | n/a |
| Operating Margin | 40.34% |
| Pretax Margin | 36.42% |
| Profit Margin | 30.05% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 26.77% |
Dividends & Yields
This stock pays an annual dividend of 0.48, which amounts to a dividend yield of 2.46%.
| Dividend Per Share | 0.48 |
| Dividend Yield | 2.46% |
| Dividend Growth (YoY) | 14.29% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 26.79% |
| Buyback Yield | -0.24% |
| Shareholder Yield | 2.21% |
| Earnings Yield | 9.26% |
| FCF Yield | 8.25% |
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 | 3 |