EMYB (Embassy Bancorp) Moat Score: 4/10 (As of Jul. 02, 2026)


EMYB Embassy Bancorp Inc EMYB
63 GF Score
Price $21.58
GF Value $18.43
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Embassy Bancorp Moat Score?

Embassy Bancorp EMYB 63 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates EMYB with a GF Score™ of 63/100 and a GF Value™ of $18.43 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Embassy Bancorp ranks better than 86.23% on this metric.

Embassy Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Embassy Bancorp has Narrow Moat: Embassy Bancorp Inc has a modest moat due to its regional banking presence and customer relationships. While it benefits from some switching costs and regulatory barriers, it lacks the scale and brand strength of larger financial institutions. Its competitive advantages are discernible but modest.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Embassy Bancorp might have Narrow Moat - Discernible but modest moat.

Embassy Bancorp  (OTCPK:EMYB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Embassy Bancorp Moat Score Related Terms

EMYB vs MNAT, ENBP, MSWV: Moat Score Comparison

For the Banks - Regional subindustry, Embassy Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Embassy Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Embassy Bancorp's Moat Score falls into.


EMYB
63GF Score
Embassy Bancorp Inc EMYB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Embassy Bancorp (EMYB) has a Moat Score of 4 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Embassy Bancorp ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Embassy Bancorp's Moat Score too high?
Embassy Bancorp's current Moat Score is 4. Based on the distribution chart, Embassy Bancorp ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to MNAT and ENBP?
According to the Banks industry distribution chart, Embassy Bancorp ranks #222 out of 1612 companies for Moat Score. This places Embassy Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Embassy Bancorp's current Moat Score is 4. 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 $18.43, compared to a current price of $21.58 — trading 17.1% above its estimated fair value. The current Moat Score is 4. Embassy Bancorp's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current Moat Score is 4 as of Jul. 02, 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 $21.58 is trading 17.1% above its estimated GF Value™ of $18.43. GuruFocus considers Embassy Bancorp to be Modestly Overvalued.

Key valuation signals for EMYB:

  • Moat Score: 4
  • GF Value™: $18.43 vs. price of $21.58 (17.1% above fair value)
  • GF Score™: 63/100 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.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.58
Price
$18.43
GF Value