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Embassy BancorpEMYB -0.04%59 Equity-to-Asset is 0.07 as of Jun. 2026, which is 13% below its 10-year median of 0.08. GuruFocus rates EMYB with a GF Score™ of 59/100 and a GF Value™ of $19.86 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Embassy Bancorp ranks worse than 76.1% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Embassy Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $128.05 Mil. Embassy Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $1,859.05 Mil.
Therefore, Embassy Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.07.
The historical rank and industry rank for Embassy Bancorp's Equity-to-Asset or its related term are showing as below:
EMYB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.08 Max: 0.09
Current: 0.07
During the past 13 years, the highest Equity to Asset Ratio of Embassy Bancorp was 0.09. The lowest was 0.05. And the median was 0.08.
EMYB's Equity-to-Asset is ranked worse than 76.1% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs EMYB: 0.07
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Embassy Bancorp Equity-to-Asset Related Terms
Embassy Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Embassy Bancorp's Equity-to-Asset 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.
EMYB vs DIMC, MNAT, ENBP: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Embassy Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Embassy Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Embassy Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Embassy Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (EMYB) has a Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Embassy Bancorp and its competitors. This is 13% below median its historical median of 0.08. Over the past decade, Embassy Bancorp's Equity-to-Asset has ranged from 0.05 to 0.09. According to the industry distribution chart, Embassy Bancorp ranks #1159 out of 1523 companies in the Banks industry, placing it in the top 76.1%.
Is Embassy Bancorp's Equity-to-Asset too high?
Embassy Bancorp's current Equity-to-Asset of 0.07 is 13% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Embassy Bancorp's value of 0.07 is 30% below this industry median. Based on the distribution chart, Embassy Bancorp ranks #1159 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to DIMC and MNAT?
According to the Banks industry distribution chart, Embassy Bancorp ranks #1159 out of 1523 companies for Equity-to-Asset. This places Embassy Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Embassy Bancorp's value of 0.07 is 30% below this benchmark. Historically, Embassy Bancorp's own Equity-to-Asset has ranged from 0.05 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Embassy Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Embassy Bancorp's current Equity-to-Asset of 0.07 is 30% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current Equity-to-Asset is 0.07, which is 13% below median its own 10-year median of 0.08. 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 $19.86, compared to a current price of $22.24 — trading 12% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 13% below median its 10-year median of 0.08 and 30% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current Equity-to-Asset is 0.07 as of Jun. 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 $22.24 is trading 12% above its estimated GF Value™ of $19.86.
GuruFocus considers Embassy Bancorp to be Modestly Overvalued.
Key valuation signals for EMYB:
Equity-to-Asset: 0.07 (13% below median its 10-year median of 0.08)
GF Value™: $19.86 vs. price of $22.24 (12% above fair value)
Industry Position: 30% below the Banks median (#1159 of 1523)
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 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
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