Embassy Bancorp, Inc. (EMYB)
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% |
Analyst Forecasts
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 35.12 | 33.22 | 31.67 | 28.85 | 27.38 | 25.23 | 23.02 | 21.71 | 19.88 | 18.45 |
| Revenue Growth | 5.73% | 4.9% | 9.77% | 5.35% | 8.55% | 9.58% | 6.02% | 9.22% | 7.77% | - |
| Gross Profit | 35.12 | 33.22 | 31.67 | 28.85 | 27.38 | 25.23 | 23.02 | 21.71 | 19.88 | 18.45 |
| Operating Income | 13.37 | 12.36 | 11.83 | 10.00 | 10.36 | 8.88 | 7.66 | 7.97 | 7.23 | 6.60 |
| Net Income | 10.88 | 10.08 | 7.30 | 7.15 | 7.41 | 6.41 | 5.52 | 5.74 | 5.14 | 4.66 |
| Shares Outstanding | 7.48 | 7.48 | 7.46 | 7.42 | 7.38 | 7.35 | 7.30 | 7.23 | 7.17 | 7.10 |
| Earnings Per Share | 1.44 | 1.34 | 0.97 | 0.96 | 1.00 | 0.87 | 0.76 | 0.80 | 0.71 | 0.65 |
| EPS Growth | 7.46% | 38.14% | 1.04% | -4% | 14.94% | 14.47% | -5% | 12.68% | 9.23% | - |
| Dividend Per Share | 0.20 | 0.17 | 0.14 | 0.13 | 0.10 | 0.06 | 0.05 | 0.04 | - | - |
| Dividend Growth | 17.65% | 21.43% | 7.69% | 30% | 66.67% | 20% | 25% | - | - | - |
| Operating Cash Flow | 14.30 | 12.84 | 10.42 | 9.20 | 8.51 | 7.68 | 7.72 | 7.15 | 6.58 | 6.55 |
| Capital Expenditures | -0.78 | -1.02 | -0.49 | -0.58 | -1.35 | -0.28 | -0.40 | -0.61 | -0.32 | -0.55 |
| Free Cash Flow | 13.53 | 11.82 | 9.93 | 8.62 | 7.16 | 7.40 | 7.32 | 6.54 | 6.26 | 6.00 |
| Cash & Equivalents | 39.99 | 27.58 | 33.53 | 24.22 | 19.53 | 16.64 | 19.65 | 35.89 | 53.83 | 27.97 |
| Total Debt | 25.28 | 72.88 | 10.00 | 11.89 | 70.66 | 41.20 | 44.32 | 37.04 | 47.04 | 60.02 |
| Net Cash / Debt | 14.71 | -45.30 | 23.54 | 12.33 | -51.14 | -24.56 | -24.67 | -1.15 | 6.79 | -32.05 |
| Assets | 1,176 | 1,099 | 997 | 924 | 804 | 719 | 671 | 643 | 575 | 514 |
| Liabilities | 1,077 | 1,012 | 917 | 851 | 736 | 658 | 617 | 593 | 531 | 477 |
| Book Value | 99.62 | 87.23 | 79.77 | 73.28 | 68.10 | 61.33 | 54.06 | 50.03 | 44.33 | 36.73 |
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.