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Embassy Bancorp, Inc. (EMYB)

Stock Price: $13.36 USD -0.11 (-0.82%)
Updated November 27, 12:43 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 99.86M
Revenue (ttm) 36.68M
Net Income (ttm) 12.08M
Shares Out 7.47M
EPS (ttm) 1.60
PE Ratio 8.35
Forward PE n/a
Dividend $0.22
Dividend Yield 1.65%

Stock Quote

Trading Day November 27
Last Price $13.36
Previous Close $13.47
Change ($) -0.11
Change (%) -0.82%
Day's Open 13.50
Day's Range 13.36 - 13.50
Day's Volume 5,900
52-Week Range 9.9207 - 18.81

More Stats

Market Cap 99.86M
Enterprise Value 101.03M
Earnings Date (est) n/a
Ex-Dividend Date Sep 4, 2020
Shares Outstanding 7.47M
Float n/a
EPS (basic) 1.62
EPS (diluted) 1.60
FCF / Share 1.53
Dividend $0.22
Dividend Yield 1.65%
Earnings Yield 11.98%
FCF Yield 11.41%
Payout Ratio 13.60%
Shares Short n/a
Short Ratio n/a
Short % of Float n/a
Beta 0.83
PE Ratio 8.35
Forward PE n/a
P/FCF Ratio 8.76
PS Ratio 2.72
PB Ratio 0.92
Revenue 36.68M
Operating Income 14.85M
Net Income 12.08M
Free Cash Flow 11.40M
Net Cash -1.17M
Net Cash / Share -0.16
Gross Margin 95.74%
Operating Margin 40.49%
Profit Margin 32.90%
FCF Margin 31.07%
ROA 0.96%
ROE 11.79%
ROIC 1.20%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$n/a*
*No analysts have provided price targets for this stock.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue35.1233.2231.6728.8527.3825.2323.0221.7119.8818.45
Revenue Growth5.73%4.9%9.77%5.35%8.55%9.58%6.02%9.22%7.77%-
Gross Profit35.1233.2231.6728.8527.3825.2323.0221.7119.8818.45
Operating Income13.3712.3611.8310.0010.368.887.667.977.236.60
Net Income10.8810.087.307.157.416.415.525.745.144.66
Shares Outstanding7.487.487.467.427.387.357.307.237.177.10
Earnings Per Share1.441.340.970.961.000.870.760.800.710.65
EPS Growth7.46%38.14%1.04%-4%14.94%14.47%-5%12.68%9.23%-
Dividend Per Share0.200.170.140.130.100.060.050.04--
Dividend Growth17.65%21.43%7.69%30%66.67%20%25%---
Operating Cash Flow14.3012.8410.429.208.517.687.727.156.586.55
Capital Expenditures-0.78-1.02-0.49-0.58-1.35-0.28-0.40-0.61-0.32-0.55
Free Cash Flow13.5311.829.938.627.167.407.326.546.266.00
Cash & Equivalents39.9927.5833.5324.2219.5316.6419.6535.8953.8327.97
Total Debt25.2872.8810.0011.8970.6641.2044.3237.0447.0460.02
Net Cash / Debt14.71-45.3023.5412.33-51.14-24.56-24.67-1.156.79-32.05
Assets1,1761,099997924804719671643575514
Liabilities1,0771,012917851736658617593531477
Book Value99.6287.2379.7773.2868.1061.3354.0650.0344.3336.73
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Embassy Bancorp, Inc.
Country United States
Employees 96
CEO David M. Lobach

Stock Information

Ticker Symbol EMYB
Stock Exchange US OTC
Sector Financial Services
Industry Banks—Regional
Unique Identifier OTCMKTS: EMYB

Description

Embassy Bancorp operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. Its deposit products include savings, money market, individual retirement, and NOW accounts; demand and time deposits; and certificates of deposit. The company's loan portfolio comprises secured fixed and variable rate loans; business loans; consumer loans, including mortgages, secured home equity loans, lines of credit, and auto and unsecured personal loans; residential mortgage loans; and commercial mortgage/construction loans. In addition, it offers various other services, such as treasurer and certified check, wire transfer, credit/debit card merchant processing, direct deposit/ACH, ACH origination, fraud detection, cash and escrow management, safe deposit box, remote deposit capture, mobile banking, night depository, bank by mail, person to person payment, Apple Pay and Google Pay, positive pay, automated teller machine, and online banking and bill pay services, as well as gift, commercial credit, and ATM and debit cards. The company has branch offices in South Whitehall Township, Lower Macungie Township, the City of Bethlehem, Salisbury Township, Lower Saucon Township, Lower Nazareth Township, Borough of Nazareth, and Borough of Macungie, as well as in Lehigh and Northampton Counties in Pennsylvania. Embassy Bancorp, Inc. is headquartered in Bethlehem, Pennsylvania.