Embassy BancorpEMYB -1.23%63 FCF Margin % is 38.48% as of Mar. 2026, which is 22% above its 10-year median of 31.53. GuruFocus rates EMYB with a GF Score™ of 63/100 and a GF Value™ of $18.44 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Embassy Bancorp ranks better than 56.74% on this metric.
The historical rank and industry rank for Embassy Bancorp's FCF Margin % or its related term are showing as below:
EMYB'
s FCF Margin % Range Over the Past 10 Years
Min: 23.53 Med: 31.53 Max: 45.09
Current: 30.26
During the past 13 years, the highest FCF Margin % of Embassy Bancorp was 45.09%. The lowest was 23.53%. And the median was 31.53%.
EMYB's FCF Margin % is ranked better than 56.74% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs EMYB: 30.26
Embassy Bancorp FCF Margin % Related Terms
Embassy Bancorp FCF Margin % Historical Data
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The historical data trend for Embassy Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Embassy Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Embassy Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Embassy Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 38.48% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Embassy Bancorp and its competitors. This is 22% above median its historical median of 31.53. Over the past decade, Embassy Bancorp's FCF Margin % has ranged from 23.53 to 45.09. According to the industry distribution chart, Embassy Bancorp ranks #651 out of 1505 companies in the Banks industry, placing it in the top 43.3%.
Is Embassy Bancorp's FCF Margin % too high?
Embassy Bancorp's current FCF Margin % of 38.48% is 22% above median its 10-year median of 31.53. Over the past 10 years, this metric has ranged from a low of 23.53 to a high of 45.09. The Banks industry median FCF Margin % is 26.55. Embassy Bancorp's value of 38.48% is 44.9% above this industry median. Based on the distribution chart, Embassy Bancorp ranks #651 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Embassy Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Embassy Bancorp's FCF Margin % compare to MSWV and MNAT?
According to the Banks industry distribution chart, Embassy Bancorp ranks #651 out of 1505 companies for FCF Margin %. This puts Embassy Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. Embassy Bancorp's value of 38.48% is 44.9% above this benchmark. Historically, Embassy Bancorp's own FCF Margin % has ranged from 23.53 to 45.09 over the past decade. While the company's 10-year median is 31.53 vs. the industry median of 26.55, Embassy Bancorp has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Embassy Bancorp's current FCF Margin % of 38.48% is 44.9% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current FCF Margin % is 38.48%, which is 22% above median its own 10-year median of 31.53. 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 $18.44, compared to a current price of $21.70 — trading 17.7% above its estimated fair value. The current FCF Margin % is 38.48%, which is 22% above median its 10-year median of 31.53 and 44.9% above the Banks industry median of 26.55. Embassy Bancorp's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current FCF Margin % is 38.48% 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 $21.70 is trading 17.7% above its estimated GF Value™ of $18.44.
GuruFocus considers Embassy Bancorp to be Modestly Overvalued.
Key valuation signals for EMYB:
FCF Margin %: 38.48% (22% above median its 10-year median of 31.53)
GF Value™: $18.44 vs. price of $21.70 (17.7% above fair value)
Industry Position: 44.9% above the Banks median (#651 of 1505)
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.
63GF Score
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