Embassy Bancorp Statistics
Total Valuation
Embassy Bancorp has a market cap or net worth of 165.52 million.
| Market Cap | 165.52M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, November 13, 2026.
| Earnings Date | Nov 13, 2026 |
| Ex-Dividend Date | Jun 26, 2026 |
Share Statistics
Embassy Bancorp has 7.41 million shares outstanding. The number of shares has decreased by -1.05% in one year.
| Current Share Class | 7.41M |
| Shares Outstanding | 7.41M |
| Shares Change (YoY) | -1.05% |
| Shares Change (QoQ) | -1.64% |
| Owned by Insiders (%) | 30.38% |
| Owned by Institutions (%) | 6.06% |
| Float | 4.46M |
Valuation Ratios
The trailing PE ratio is 11.12.
| PE Ratio | 11.12 |
| Forward PE | n/a |
| PS Ratio | 3.41 |
| PB Ratio | 1.29 |
| P/TBV Ratio | 1.29 |
| P/FCF Ratio | 10.88 |
| P/OCF Ratio | 10.42 |
| 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 | 0.51 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.57%.
| Return on Equity (ROE) | 12.57% |
| Return on Assets (ROA) | 0.84% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.84% |
| Revenue Per Employee | 397,893 |
| Profits Per Employee | 124,877 |
| Employee Count | 122 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Embassy Bancorp has paid 3.30 million in taxes.
| Income Tax | 3.30M |
| Effective Tax Rate | 17.78% |
Stock Price Statistics
The stock price has increased by +36.70% in the last 52 weeks. The beta is 0.15, so Embassy Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.15 |
| 52-Week Price Change | +36.70% |
| 50-Day Moving Average | 21.71 |
| 200-Day Moving Average | 18.77 |
| Relative Strength Index (RSI) | 64.14 |
| Average Volume (20 Days) | 7,866 |
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 48.54 million and earned 15.24 million in profits. Earnings per share was 2.01.
| Revenue | 48.54M |
| Gross Profit | 48.54M |
| Operating Income | 20.40M |
| Pretax Income | 18.53M |
| Net Income | 15.24M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 2.01 |
Balance Sheet
The company has 132.94 million in cash and 7.75 million in debt, with a net cash position of 125.19 million or 16.91 per share.
| Cash & Cash Equivalents | 132.94M |
| Total Debt | 7.75M |
| Net Cash | 125.19M |
| Net Cash Per Share | 16.91 |
| Equity (Book Value) | 128.05M |
| Book Value Per Share | 17.29 |
| Working Capital | -1.57B |
Cash Flow
In the last 12 months, operating cash flow was 15.89 million and capital expenditures -667,000, giving a free cash flow of 15.22 million.
| Operating Cash Flow | 15.89M |
| Capital Expenditures | -667,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -180,000 |
| Free Cash Flow | 15.22M |
| FCF Per Share | 2.06 |
Margins
| Gross Margin | n/a |
| Operating Margin | 42.02% |
| Pretax Margin | 38.17% |
| Profit Margin | 31.38% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 31.35% |
Dividends & Yields
This stock pays an annual dividend of 0.55, which amounts to a dividend yield of 2.46%.
| Dividend Per Share | 0.55 |
| Dividend Yield | 2.46% |
| Dividend Growth (YoY) | 14.58% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 27.37% |
| Buyback Yield | 1.05% |
| Shareholder Yield | 3.51% |
| Earnings Yield | 9.20% |
| FCF Yield | 9.19% |
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 |