Embassy Bancorp Statistics

Total Valuation

EMYB has a market cap or net worth of $101.90 million. The enterprise value is -$195.26 million.

Market Cap	101.90M
Enterprise Value	-195.26M

Important Dates

Earnings Date	n/a
Ex-Dividend Date	Jun 29, 2023

Share Statistics

EMYB has 7.60 million shares outstanding. The number of shares has increased by 0.75% in one year.

Shares Outstanding	7.60M
Shares Change (YoY)	+0.75%
Shares Change (QoQ)	-0.01%
Owned by Insiders (%)	28.58%
Owned by Institutions (%)	2.35%
Float	5.41M

Valuation Ratios

The trailing PE ratio is 8.07.

PE Ratio	8.07
Forward PE	n/a
PS Ratio	1.96
Forward PS	n/a
PB Ratio	0.96
P/FCF Ratio	5.45
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.21, with a Debt / Equity ratio of 0.54.

Current Ratio	0.21
Quick Ratio	0.92
Debt / Equity	0.54
Debt / EBITDA	3.92
Debt / FCF	3.04
Interest Coverage	-0.54

Financial Efficiency

Return on equity (ROE) is 11.98% and return on invested capital (ROIC) is 9.33%.

Return on Equity (ROE)	11.98%
Return on Assets (ROA)	0.76%
Return on Capital (ROIC)	9.33%
Revenue Per Employee	$473,645
Profits Per Employee	$115,055
Employee Count	110
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, EMYB has paid $2.80 million in taxes.

Income Tax	2.80M
Effective Tax Rate	18.11%

Stock Price Statistics

The stock price has decreased by -16.00% in the last 52 weeks. The beta is 0.51, so EMYB's price volatility has been lower than the market average.

Beta (1Y)	0.51
52-Week Price Change	-16.00%
50-Day Moving Average	13.81
200-Day Moving Average	14.63
Relative Strength Index (RSI)	40.19
Average Volume (30 Days)	1,566

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, EMYB had revenue of $52.10 million and earned $12.66 million in profits. Earnings per share was $1.66.

Revenue	52.10M
Gross Profit	52.10M
Operating Income	18.52M
Pretax Income	15.46M
Net Income	12.66M
EBITDA	14.49M
EBIT	13.58M
Earnings Per Share (EPS)	$1.66

Full Income Statement

Balance Sheet

The company has $78.92 million in cash and $56.83 million in debt, giving a net cash position of $297.16 million or $39.08 per share.

Cash & Cash Equivalents	78.92M
Total Debt	56.83M
Net Cash	297.16M
Net Cash Per Share	$39.08
Equity / Book Value	105.66M
Book Value Per Share	13.89
Working Capital	-306.41M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $19.50 million and capital expenditures -$806,000, giving a free cash flow of $18.69 million.

Operating Cash Flow	19.50M
Capital Expenditures	-806,000
Free Cash Flow	18.69M
FCF Per Share	$2.46

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 35.54% and 24.29%.

Gross Margin	100.00%
Operating Margin	35.54%
Pretax Margin	29.66%
Profit Margin	24.29%
EBITDA Margin	27.82%
EBIT Margin	26.06%
FCF Margin	35.88%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.99%.

Dividend Per Share	$0.40
Dividend Yield	2.99%
Dividend Growth (YoY)	14.29%
Years of Dividend Growth	12
Payout Ratio	13.29%
Buyback Yield	-0.75%
Shareholder Yield	2.23%
Earnings Yield	12.42%
FCF Yield	18.34%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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

EMYB has an Altman Z-Score of -0.03 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.03
Piotroski F-Score	5