Embassy Bancorp Statistics

Total Valuation

Embassy Bancorp has a market cap or net worth of 125.36 million.

Market Cap	125.36M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, August 13, 2025.

Earnings Date	Aug 13, 2025
Ex-Dividend Date	Jun 28, 2024

Share Statistics

Embassy Bancorp has 7.64 million shares outstanding. The number of shares has increased by 0.27% in one year.

Current Share Class	7.64M
Shares Outstanding	7.64M
Shares Change (YoY)	+0.27%
Shares Change (QoQ)	+0.22%
Owned by Insiders (%)	29.21%
Owned by Institutions (%)	3.06%
Float	4.89M

Valuation Ratios

The trailing PE ratio is 11.59.

PE Ratio	11.59
Forward PE	n/a
PS Ratio	3.08
PB Ratio	1.11
P/TBV Ratio	1.11
P/FCF Ratio	12.20
P/OCF Ratio	11.58
PEG Ratio	n/a

Financial Ratio History

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	0.65
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.98%.

Return on Equity (ROE)	9.98%
Return on Assets (ROA)	0.63%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	356,912
Profits Per Employee	94,658
Employee Count	112
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Embassy Bancorp has paid 2.20 million in taxes.

Income Tax	2.20M
Effective Tax Rate	16.95%

Stock Price Statistics

The stock price has increased by +23.77% in the last 52 weeks. The beta is 0.21, so Embassy Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.21
52-Week Price Change	+23.77%
50-Day Moving Average	15.15
200-Day Moving Average	15.77
Relative Strength Index (RSI)	88.32
Average Volume (20 Days)	4,357

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)	0.00

Income Statement

In the last 12 months, Embassy Bancorp had revenue of 40.69 million and earned 10.79 million in profits. Earnings per share was 1.42.

Revenue	40.69M
Gross Profit	40.69M
Operating Income	14.75M
Pretax Income	12.99M
Net Income	10.79M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.42

Full Income Statement

Balance Sheet

The company has 97.90 million in cash and 6.72 million in debt, giving a net cash position of 91.18 million or 11.93 per share.

Cash & Cash Equivalents	97.90M
Total Debt	6.72M
Net Cash	91.18M
Net Cash Per Share	11.93
Equity (Book Value)	112.44M
Book Value Per Share	14.71
Working Capital	-1.52B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 10.82 million and capital expenditures -543,000, giving a free cash flow of 10.28 million.

Operating Cash Flow	10.82M
Capital Expenditures	-543,000
Free Cash Flow	10.28M
FCF Per Share	1.34

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	36.24%
Pretax Margin	31.94%
Profit Margin	26.52%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	25.26%

Dividends & Yields

This stock pays an annual dividend of 0.42, which amounts to a dividend yield of 2.66%.

Dividend Per Share	0.42
Dividend Yield	2.66%
Dividend Growth (YoY)	5.00%
Years of Dividend Growth	12
Payout Ratio	29.65%
Buyback Yield	-0.27%
Shareholder Yield	2.39%
Earnings Yield	8.61%
FCF Yield	8.20%

Dividend Details

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