EMYB (Embassy Bancorp) Cyclically Adjusted Revenue per Share: $6.17 (As of Mar. 2026)

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EMYB Embassy Bancorp Inc EMYB
59 GF Score
Price $21.90
GF Value $18.41
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Embassy Bancorp Cyclically Adjusted Revenue per Share?

Embassy Bancorp EMYB 59 Cyclically Adjusted Revenue per Share is $6.17 as of Mar. 2026. GuruFocus rates EMYB with a GF Score™ of 59/100 and a GF Value™ of $18.41 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Embassy Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was $1.606. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $6.17 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Embassy Bancorp's average Cyclically Adjusted Revenue Growth Rate was 5.70% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 7.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Embassy Bancorp was 10.90% per year. The lowest was 5.00% per year. And the median was 9.90% per year.

As of today (2026-07-16), Embassy Bancorp's current stock price is $21.90. Embassy Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $6.17. Embassy Bancorp's Cyclically Adjusted PS Ratio of today is 3.55.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Embassy Bancorp was 5.07. The lowest was 2.29. And the median was 3.42.


Embassy Bancorp  (OTCPK:EMYB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Embassy Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=21.90/6.17
=3.55

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Embassy Bancorp was 5.07. The lowest was 2.29. And the median was 3.42.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Embassy Bancorp Cyclically Adjusted Revenue per Share Related Terms


Embassy Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Embassy Bancorp's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Embassy Bancorp Cyclically Adjusted Revenue per Share Chart

Embassy Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.65 5.20 5.51 5.75 6.02

Embassy Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.84 5.92 5.99 6.02 6.17

EMYB vs MNAT, ENBP, MSWV: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Embassy Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Embassy Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Embassy Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Embassy Bancorp's Cyclically Adjusted PS Ratio falls into.


EMYB
59GF Score
Embassy Bancorp Inc EMYB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Embassy Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Embassy Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.606/330.2130*330.2130
=1.606

Current CPI (Mar. 2026) = 330.2130.

Embassy Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.902 241.018 1.236
201609 0.975 241.428 1.334
201612 0.960 241.432 1.313
201703 0.974 243.801 1.319
201706 1.015 244.955 1.368
201709 1.066 246.819 1.426
201712 1.073 246.524 1.437
201803 1.072 249.554 1.418
201806 1.115 251.989 1.461
201809 1.147 252.439 1.500
201812 1.172 251.233 1.540
201903 1.158 254.202 1.504
201906 1.164 256.143 1.501
201909 1.177 256.759 1.514
201912 1.198 256.974 1.539
202003 1.202 258.115 1.538
202006 1.323 257.797 1.695
202009 1.367 260.280 1.734
202012 1.439 260.474 1.824
202103 1.468 264.877 1.830
202106 1.465 271.696 1.781
202109 1.561 274.310 1.879
202112 1.541 278.802 1.825
202203 1.505 287.504 1.729
202206 1.530 296.311 1.705
202209 1.668 296.808 1.856
202212 1.691 296.797 1.881
202303 1.509 301.836 1.651
202306 1.400 305.109 1.515
202309 1.304 307.789 1.399
202312 1.242 306.746 1.337
202403 1.237 312.332 1.308
202406 1.250 314.175 1.314
202409 1.308 315.301 1.370
202412 1.343 315.605 1.405
202503 1.359 319.799 1.403
202506 1.474 322.561 1.509
202509 1.526 324.800 1.551
202512 1.587 324.054 1.617
202603 1.606 330.213 1.606

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $6.17 mean?
Embassy Bancorp (EMYB) has a Cyclically Adjusted Revenue per Share of $6.17 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Embassy Bancorp and its competitors.
Is Embassy Bancorp's Cyclically Adjusted Revenue per Share too high?
Embassy Bancorp's current Cyclically Adjusted Revenue per Share is $6.17. Overall, Embassy Bancorp has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Embassy Bancorp's Cyclically Adjusted Revenue per Share compare to MNAT and ENBP?
Embassy Bancorp's Cyclically Adjusted Revenue per Share of $6.17 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Embassy Bancorp and its competitors. Embassy Bancorp's current Cyclically Adjusted Revenue per Share is $6.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Embassy Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Embassy Bancorp (EMYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.41, compared to a current price of $21.90 — trading 19% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $6.17. Embassy Bancorp's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current Cyclically Adjusted Revenue per Share is $6.17 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Embassy Bancorp (EMYB) Overvalued in 2026?

Based on GuruFocus' analysis, Embassy Bancorp stock appears to be overvalued. The current stock price of $21.90 is trading 19% above its estimated GF Value™ of $18.41. GuruFocus considers Embassy Bancorp to be Modestly Overvalued.

Key valuation signals for EMYB:

  • Cyclically Adjusted Revenue per Share: $6.17
  • GF Value™: $18.41 vs. price of $21.90 (19% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the EMYB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Embassy Bancorp Business Description

Address One Hundred Gateway Drive, Suite 100, Bethlehem, PA, USA, 18017
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.
59GF Score

Get the complete analysis for EMYB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.90
Price
$18.41
GF Value