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Embassy Bancorp, Inc. (EMYB)

Stock Price: $11.90 USD -0.10 (-0.83%)
Updated Aug 11, 2020 4:00 PM EDT - End of day

Stock Price Chart

Key Info

Market Cap 88.92M
Revenue (ttm) 35.23M
Net Income (ttm) 10.78M
Shares Out 7.47M
EPS (ttm) 1.43
PE Ratio 8.32
Forward PE n/a
Dividend $0.22
Dividend Yield 1.85%

Stock Quote

Trading Day Aug 11, 2020
Last Price $11.90
Previous Close $12.00
Change ($) -0.10
Change (%) -0.83%
Day's Open 11.85
Day's Range 11.84 - 11.90
Day's Volume 3,440
52-Week Range 10.10 - 19.15

More Stats

Market Cap 88.92M
Enterprise Value 70.76M
Earnings Date (est) n/a
Ex-Dividend Date n/a
Shares Outstanding 7.47M
Float 5.47M
EPS (basic) 1.45
EPS (diluted) 1.43
FCF / Share 1.57
Dividend $0.22
Dividend Yield 1.85%
Earnings Yield 12.02%
FCF Yield 13.14%
Payout Ratio n/a
Shares Short n/a
Short Ratio n/a
Short % of Float n/a
Beta 0.78
PE Ratio 8.32
Forward PE n/a
P/FCF Ratio 7.61
PS Ratio 2.52
PB Ratio 0.86
Revenue 35.23M
Operating Income 13.30M
Net Income 10.78M
Free Cash Flow 11.69M
Net Cash 18.15M
Net Cash / Share 2.43
Gross Margin 99.69%
Operating Margin 37.76%
Profit Margin 30.60%
FCF Margin 33.18%
ROA 0.93%
ROE 11.08%
ROIC n/a
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

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 98
CEO David M. Lobach

Stock Information

Ticker Symbol EMYB
Stock Exchange US OTC
Unique Identifier OTCMKTS: EMYB

Description

Embassy Bancorp, Inc. 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.