Business Description
Embassy Bancorp Inc
NAICS : 522110
SIC : 6021
ISIN : US2907911026
Total Employee Number:
114Description
Embassy Bancorp Inc acts as an independent community financial services provider. It offers traditional banking and related financial services to individual, business, and government customers. The bank also offers commercial and retail financial services such as savings and demand deposits, commercial loans, consumer loans, residential mortgages, home equity loans, and other financial services. Its other services comprise night depository services, wire transfers, bond coupon redemption, cash management services, and escrow management services among others.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | No Debt | |||||
Equity-to-Asset | 0.07 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 9/9 | |||||
WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -2.4 | |||||
3-Year EPS without NRI Growth Rate | -8.6 | |||||
3-Year FCF Growth Rate | -14.3 | |||||
3-Year Book Growth Rate | 13.3 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 35.89 | |||||
9-Day RSI | 52.43 | |||||
14-Day RSI | 61.31 | |||||
3-1 Month Momentum % | 6.31 | |||||
6-1 Month Momentum % | 13.9 | |||||
12-1 Month Momentum % | 28.2 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.55 | |||||
Dividend Payout Ratio | 0.25 | |||||
3-Year Dividend Growth Rate | 11.1 | |||||
Forward Dividend Yield % | 2.55 | |||||
5-Year Yield-on-Cost % | 5.24 | |||||
3-Year Average Share Buyback Ratio | 0.2 | |||||
Shareholder Yield % | 4.4 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 30.89 | |||||
FCF Margin % | 30.26 | |||||
OCF Margin % | 31.81 | |||||
ROE % | 12.09 | |||||
ROA % | 0.81 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 11.24 | |||||
PE Ratio without NRI | 11.26 | |||||
Shiller PE Ratio | 11.34 | |||||
Price-to-Owner-Earnings | 10.41 | |||||
PEG Ratio | 11.26 | |||||
PS Ratio | 3.48 | |||||
PB Ratio | 1.28 | |||||
Price-to-Tangible-Book | 1.28 | |||||
Price-to-Free-Cash-Flow | 11.5 | |||||
Price-to-Operating-Cash-Flow | 10.94 | |||||
EV-to-Revenue | 0.41 | |||||
EV-to-FCF | 1.35 | |||||
Price-to-GF-Value | 1.17 | |||||
Price-to-Projected-FCF | 0.69 | |||||
Price-to-Median-PS-Value | 1.08 | |||||
Price-to-Graham-Number | 0.8 | |||||
FCF Yield % | 8.91 | |||||
Forward Rate of Return (Yacktman) % | 11.72 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
Embassy Bancorp Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 47.099 | ||
| EPS (TTM) ($) | 1.92 | ||
| Beta | 0.1927 | ||
| 3-Year Sharpe Ratio | 0.68 | ||
| 3-Year Sortino Ratio | 1.18 | ||
| Volatility % | 13.79 | ||
| 14-Day RSI | 61.31 | ||
| 14-Day ATR ($) | 0.221244 | ||
| 20-Day SMA ($) | 21.504 | ||
| 12-1 Month Momentum % | 28.2 | ||
| 52-Week Range ($) | 15.47 - 21.97 | ||
| Shares Outstanding (Mil) | 7.41 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Embassy Bancorp Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Embassy Bancorp Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings results for 2026 | 2026-11-13 | In 135 days | ||
| Second quarter earnings results for 2026 | 2026-08-13 | In 43 days | ||
| USD 0.550000 Cash Dividend | 2026-06-26 | 21.97 (+0.55%) | ||
| General meeting for 2026 | 2026-06-17 17:30 | 21.72 (+1.12%) | ||
| First quarter earnings results for 2026 | 2026-05-13 | 20.36 (+1.80%) | ||
| Annual report for 2025 | 2026-03-16 | 19.93 (+0.00%) | ||
| Third quarter earnings results for 2025 | 2025-11-13 | 17.28 (+0.41%) | ||
| Second quarter earnings results for 2025 | 2025-08-13 | 15.95 (+0.00%) | ||
| USD 0.480000 Cash Dividend | 2025-06-27 | 16.40 (+0.86%) | ||
| General meeting for 2025 | 2025-06-18 17:30 | 15.80 (+0.00%) |
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Embassy Bancorp Inc Frequently Asked Questions
What is Embassy Bancorp Inc(EMYB)'s stock price today?
The current price of EMYB is $21.58. The 52 week high of EMYB is $21.97 and 52 week low is $15.47.
When is next earnings date of Embassy Bancorp Inc(EMYB)?
The next earnings date of Embassy Bancorp Inc(EMYB) is 2026-08-13 Est..
Does Embassy Bancorp Inc(EMYB) pay dividends? If so, how much?
The Dividend Yield %  of Embassy Bancorp Inc(EMYB) is 2.55% (As of Today), Highest Dividend Payout Ratio of Embassy Bancorp Inc(EMYB) was 0.31. The lowest was 0.13. And the median was 0.14. The  Forward Dividend Yield % of Embassy Bancorp Inc(EMYB) is 2.55%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on OTCPK:EMYB
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Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Embassy Bancorp Inc
No articles.
Headlines
See More- 1
Jun 18, 2026
Embassy Bancorp, raises dividend by 14% to $0.55/share
Seeking Alpha • 6:56am
- 1
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