Embassy Bancorp Statistics
Total Valuation
Embassy Bancorp has a market cap or net worth of 153.11 million.
| Market Cap | 153.11M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Wednesday, August 12, 2026.
| Earnings Date | Aug 12, 2026 |
| Ex-Dividend Date | Jun 27, 2025 |
Share Statistics
Embassy Bancorp has 7.41 million shares outstanding. The number of shares has decreased by -0.13% in one year.
| Current Share Class | 7.41M |
| Shares Outstanding | 7.41M |
| Shares Change (YoY) | -0.13% |
| Shares Change (QoQ) | -1.67% |
| Owned by Insiders (%) | 30.29% |
| Owned by Institutions (%) | 6.05% |
| Float | 4.47M |
Valuation Ratios
The trailing PE ratio is 10.82.
| PE Ratio | 10.82 |
| Forward PE | n/a |
| PS Ratio | 3.24 |
| PB Ratio | 1.23 |
| P/TBV Ratio | 1.23 |
| P/FCF Ratio | 10.74 |
| P/OCF Ratio | 10.22 |
| 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 | 0.89 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.27%.
| Return on Equity (ROE) | 12.27% |
| Return on Assets (ROA) | 0.81% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.61% |
| Revenue Per Employee | 414,921 |
| Profits Per Employee | 127,623 |
| Employee Count | 114 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Embassy Bancorp has paid 3.12 million in taxes.
| Income Tax | 3.12M |
| Effective Tax Rate | 17.64% |
Stock Price Statistics
The stock price has increased by +36.76% in the last 52 weeks. The beta is 0.14, so Embassy Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.14 |
| 52-Week Price Change | +36.76% |
| 50-Day Moving Average | 19.78 |
| 200-Day Moving Average | 17.40 |
| Relative Strength Index (RSI) | 77.18 |
| Average Volume (20 Days) | 3,890 |
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) | n/a |
Income Statement
In the last 12 months, Embassy Bancorp had revenue of 47.30 million and earned 14.55 million in profits. Earnings per share was 1.91.
| Revenue | 47.30M |
| Gross Profit | 47.30M |
| Operating Income | 19.49M |
| Pretax Income | 17.67M |
| Net Income | 14.55M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 1.91 |
Balance Sheet
The company has 141.83 million in cash and 12.71 million in debt, with a net cash position of 129.13 million or 17.42 per share.
| Cash & Cash Equivalents | 141.83M |
| Total Debt | 12.71M |
| Net Cash | 129.13M |
| Net Cash Per Share | 17.42 |
| Equity (Book Value) | 124.81M |
| Book Value Per Share | 16.83 |
| Working Capital | -1.56B |
Cash Flow
In the last 12 months, operating cash flow was 14.98 million and capital expenditures -729,000, giving a free cash flow of 14.25 million.
| Operating Cash Flow | 14.98M |
| Capital Expenditures | -729,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 5.99M |
| Free Cash Flow | 14.25M |
| FCF Per Share | 1.92 |
Margins
| Gross Margin | n/a |
| Operating Margin | 41.20% |
| Pretax Margin | 37.35% |
| Profit Margin | 30.76% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 30.13% |
Dividends & Yields
This stock pays an annual dividend of 0.48, which amounts to a dividend yield of 2.32%.
| Dividend Per Share | 0.48 |
| Dividend Yield | 2.32% |
| Dividend Growth (YoY) | 14.29% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 25.22% |
| Buyback Yield | 0.13% |
| Shareholder Yield | 2.45% |
| Earnings Yield | 9.50% |
| FCF Yield | 9.31% |
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 |