A Business at a Glance
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Embassy Bancorp, Inc.
EMYB
$173M
Mkt Cap
$22.55
+0.00%
Embassy Bancorp, Inc. (EMYB) has a current P/E ratio of 13.5, compared to its historical median P/E of 9.1. The stock is currently considered Expensive based on its historical valuation range.
Embassy Bancorp, Inc. (EMYB) has a 5-year average return on invested capital (ROIC) of 11.7%. This indicates solid capital allocation.
Embassy Bancorp, Inc. (EMYB) has a market capitalization of $173M. It is classified as a small-cap stock.
Yes, Embassy Bancorp, Inc. (EMYB) pays a dividend with a trailing twelve-month yield of 2.13%. The company also returns capital through share buybacks, with a buyback yield of 0.01%.
Based on historical P/E analysis, Embassy Bancorp, Inc. (EMYB) appears expensive. The current P/E of 13.5 is 48% above its historical median of 9.1. The estimated fair value CAGR (P/E method) is 1.5%.
Embassy Bancorp, Inc. (EMYB) operates in the State Commercial Banks industry, within the Financials sector.
Embassy Bancorp, Inc. (EMYB) reported annual revenue of $75 million in its most recent fiscal year, based on SEC EDGAR filings.
Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. The reorganization enabled the Company to better compete and grow in its competitive and rapidly changing marketplace. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow. The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 75M | 75M | 68M | 60M | 53M | 50M |
| Net Income | 14M | 14M | 10M | 13M | 18M | 17M |
| EPS | $1.79 | $1.79 | $1.37 | $1.67 | $2.34 | $2.22 |
| Free Cash Flow | 12M | 12M | 9.2M | 19M | 19M | 14M |
| ROIC | 93.1% | 11.0% | 7.9% | 11.1% | 15.7% | 12.7% |
| Gross Margin | 61.3% | 61.3% | 57.8% | 70.2% | 90.5% | 90.1% |
| Debt/Equity | 0.00 | 0.00 | 0.15 | 0.33 | 0.15 | 0.22 |
| Dividends/Share | $0.48 | $0.48 | $0.42 | $0.40 | $0.35 | $0.30 |
| Operating Income | 17M | 17M | 13M | 15M | 22M | 21M |
| Operating Margin | 22.2% | 22.2% | 18.4% | 25.9% | 41.7% | 41.8% |
| ROE | 10.7% | 11.7% | 9.8% | 13.1% | 16.8% | 14.3% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 28M | 31M | 34M | 37M | 40M | 45M | 47M | 50M | 53M | 60M | 68M | 75M | 75M |
| Gross Margin | 88.6% | 88.2% | 86.1% | 85.5% | 82.2% | 78.0% | 80.9% | 90.1% | 90.5% | 70.2% | 57.8% | 61.3% | 61.3% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 7.1M | 7.0M | 8.0M | 8.7M | 9.8M | 10M | 11M | 12M | 13M | 14M | 14M | 15M | 15M |
| EBIT | 8.9M | 10M | 10.0M | 12M | 12M | 13M | 16M | 21M | 22M | 15M | 13M | 17M | 17M |
| Op. Margin | 31.2% | 33.4% | 29.8% | 31.9% | 30.6% | 29.7% | 33.6% | 41.8% | 41.7% | 25.9% | 18.4% | 22.2% | 22.2% |
| Net Income | 6.4M | 7.4M | 7.1M | 7.3M | 10M | 11M | 13M | 17M | 18M | 13M | 10M | 14M | 14M |
| Net Margin | 22.5% | 23.9% | 21.3% | 19.7% | 24.9% | 24.1% | 27.4% | 33.6% | 33.6% | 21.2% | 15.3% | 18.3% | 18.3% |
| Non-Recurring | 0 | 0 | 80K | 70K | 84K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 10.6% | 11.0% | 9.8% | 9.5% | 9.1% | 8.4% | 10.5% | 12.7% | 15.7% | 11.1% | 7.9% | 11.0% | 93.1% |
| ROE | 11.1% | 11.4% | 10.1% | 9.5% | 12.1% | 11.6% | 12.1% | 14.3% | 16.8% | 13.1% | 9.8% | 11.7% | 10.7% |
| ROA | 0.9% | 1.0% | 0.8% | 0.8% | 1.0% | 1.0% | 1.0% | 1.1% | 1.1% | 0.8% | 0.6% | 0.8% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 7.7M | 8.5M | 9.2M | 10M | 13M | 14M | 14M | 15M | 20M | 19M | 9.9M | 13M | 13M |
| Free Cash Flow | 7.4M | 7.2M | 8.6M | 9.9M | 12M | 14M | 12M | 14M | 19M | 19M | 9.2M | 12M | 12M |
| Owner Earnings | 7.0M | 7.9M | 8.4M | 9.7M | 12M | 13M | 12M | 14M | 18M | 18M | 8.5M | 11M | 11M |
| CapEx | 276K | 1.3M | 581K | 491K | 1.0M | 778K | 2.0M | 1.5M | 719K | 806K | 739K | 632K | 632K |
| Maint. CapEx | 643K | 605K | 730K | 671K | 774K | 829K | 760K | 864K | 883K | 915K | 1.1M | 1.1M | 1.1M |
| Growth CapEx | 0 | 743K | 0 | 0 | 245K | 0 | 1.2M | 648K | 0 | 0 | 0 | 0 | 0 |
| D&A | 643K | 605K | 730K | 671K | 774K | 829K | 760K | 864K | 883K | 915K | 1.1M | 1.1M | 1.1M |
| CapEx/OCF | 3.6% | 15.8% | 6.3% | 4.7% | 7.9% | 5.4% | 14.5% | 9.9% | 3.6% | 4.1% | 7.4% | N/A | 4.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 440K | 736K | 962K | 1.0M | 1.3M | 1.5M | 1.6M | 2.3M | 2.6M | 3.0M | 3.2M | 3.7M | 3.7M |
| Dividend Yield | 0.9% | 1.1% | 1.4% | 1.1% | 1.2% | 1.4% | 1.8% | 1.8% | 1.9% | 2.8% | 3.0% | N/A | 2.1% |
| Share Buybacks | 257K | 0 | 98K | 244K | 658K | 0 | 765K | 670K | 100K | 132K | 72K | 11K | 11K |
| Buyback Yield | N/A | N/A | 0.1% | 0.2% | 0.7% | N/A | 0.8% | 0.5% | 0.1% | 0.1% | 0.1% | 0.0% | 0.0% |
| Stock-Based Comp | 1K | 33K | 25K | 21K | 23K | 4K | 758K | 718K | 642K | 332K | 255K | 303K | 303K |
| Debt Repayment | 2.0M | 4.1M | 3.8M | 0 | 54M | 36M | 18M | 0 | 15M | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -75M | -52M | -96M | -82M | 43M | -48M | -248M | -452M | -371M | -320M | -362M | -455M | -113M |
| Cash & Equiv. | 16M | 20M | 24M | 34M | 28M | 40M | 132M | 170M | 67M | 79M | 97M | 113M | 113M |
| Long-Term Debt | 1.9M | 3.8M | 0 | 0 | 54M | 18M | 15M | 15M | 19K | 35M | 16M | N/A | 2K |
| Debt/Equity | 0.18 | 0.63 | 0.00 | 0.00 | 1.24 | 0.18 | 0.13 | 0.22 | 0.15 | 0.33 | 0.15 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.6 |
| Equity | 61M | 68M | 73M | 80M | 87M | 100M | 112M | 123M | 88M | 106M | 106M | 128M | 128M |
| Total Assets | 719M | 804M | 924M | 997M | 1.1B | 1.2B | 1.4B | 1.6B | 1.6B | 1.7B | 1.7B | 1.8B | 1.8B |
| Total Liabilities | 658M | 736M | 851M | 917M | 1.0B | 1.1B | 1.3B | 1.5B | 1.6B | 1.6B | 1.6B | 1.7B | 1.7B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 28M | 35M | 41M | 48M | 56M | 66M | 77M | 91M | 107M | 116M | 123M | 133M | 133M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.87 | 1.00 | 0.96 | 0.97 | 1.34 | 1.44 | 1.70 | 2.22 | 2.34 | 1.67 | 1.37 | 1.79 | 1.79 |
| Owner EPS | 0.96 | 1.06 | 1.13 | 1.29 | 1.60 | 1.78 | 1.61 | 1.81 | 2.43 | 2.41 | 1.12 | 1.50 | 1.50 |
| Book Value | 8.33 | 9.19 | 9.84 | 10.60 | 11.60 | 13.19 | 14.89 | 16.20 | 11.67 | 13.94 | 13.97 | 16.67 | 16.67 |
| Cash Flow/Share | 1.04 | 1.15 | 1.24 | 1.38 | 1.71 | 1.89 | 1.81 | 2.02 | 2.63 | 2.57 | 1.30 | 1.68 | 1.93 |
| Dividends/Share | 0.06 | 0.10 | 0.13 | 0.14 | 0.17 | 0.20 | 0.22 | 0.30 | 0.35 | 0.40 | 0.42 | 0.48 | 0.48 |
| Shares Out. | 7.4M | 7.4M | 7.4M | 7.5M | 7.5M | 7.6M | 7.5M | 7.6M | 7.6M | 7.6M | 7.6M | 7.7M | 7.7M |
| Valuation | |||||||||||||
| P/E Ratio | 9.9 | 9.1 | 11.8 | 14.0 | 9.1 | 11.1 | 7.4 | 8.1 | 7.3 | 8.3 | 11.8 | N/A | 12.6 |
| P/FCF | 8.6 | 9.4 | 9.8 | 10.3 | 7.8 | 8.9 | 8.1 | 9.9 | 6.7 | 5.6 | 13.3 | N/A | 14.1 |
| EV/EBIT | 6.3 | 8.2 | N/A | N/A | N/A | N/A | 4.9 | 6.0 | N/A | N/A | N/A | N/A | 3.6 |
| Price/Book | 1.0 | 1.0 | 1.2 | 1.3 | 1.1 | 1.2 | 0.8 | 1.1 | 1.5 | 1.0 | 1.2 | N/A | 1.4 |
| Price/Sales | 2.0 | 2.3 | 2.3 | 2.8 | 3.1 | 2.9 | 2.2 | 2.7 | 2.8 | 2.6 | 2.7 | N/A | 2.3 |
| FCF Yield | 11.6% | 10.7% | 10.2% | 9.7% | 12.8% | 11.2% | 12.3% | 10.1% | 14.9% | 17.9% | 7.5% | N/A | 7.1% |
| Market Cap | 64M | 67M | 84M | 102M | 92M | 121M | 94M | 136M | 129M | 105M | 123M | 0 | 173M |
| Avg. Price | 6.99 | 8.73 | 9.06 | 12.22 | 14.12 | 13.77 | 11.80 | 16.32 | 18.19 | 14.49 | 14.05 | 0.00 | 22.55 |
| Year-End Price | 8.63 | 9.05 | 11.34 | 13.57 | 12.24 | 16.00 | 12.54 | 17.95 | 17.04 | 13.81 | 16.11 | 0.00 | 22.55 |
Embassy Bancorp, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Embassy Bancorp, Inc. trades at 13.5x trailing earnings, compared to its 15-year median P/E of 9.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 16.6x vs a median of 8.9x. The company's 5-year average ROIC is 11.7% with a gross margin of 74.0%. Total shareholder yield (dividends) is 2.1%. At current prices, the estimated annualized return to fair value is +0.6%.
Embassy Bancorp, Inc. (EMYB) has a net profit margin of 18.3%. This is a healthy margin.
Embassy Bancorp, Inc. (EMYB) generated $12 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Embassy Bancorp, Inc. (EMYB) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
Embassy Bancorp, Inc. (EMYB) reported earnings per share (EPS) of $1.79 in its most recent fiscal year.
Embassy Bancorp, Inc. (EMYB) has a return on equity (ROE) of 11.7%. This indicates moderate shareholder returns.
Embassy Bancorp, Inc. (EMYB) has a 5-year average gross margin of 74.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for Embassy Bancorp, Inc. (EMYB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Embassy Bancorp, Inc. (EMYB) has a book value per share of $16.67, based on its most recent annual SEC filing.