Embassy BancorpEMYB -1.23%63 OCF Margin % is 39.92% as of Mar. 2026, which is 18% above its 10-year median of 33.81. 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 1,501 Banks companies, Embassy Bancorp ranks better than 53.5% on this metric.
The historical rank and industry rank for Embassy Bancorp's OCF Margin % or its related term are showing as below:
EMYB'
s OCF Margin % Range Over the Past 10 Years
Min: 25.42 Med: 33.81 Max: 47.04
Current: 31.81
During the past 13 years, the highest OCF Margin % of Embassy Bancorp was 47.04%. The lowest was 25.42%. And the median was 33.81%.
EMYB's OCF Margin % is ranked better than 53.5% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs EMYB: 31.81
Embassy Bancorp OCF Margin % Related Terms
Embassy Bancorp OCF Margin % Historical Data
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The historical data trend for Embassy Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Embassy Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Embassy Bancorp's OCF 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 OCF Margin % of 39.92% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Embassy Bancorp and its competitors. This is 18% above median its historical median of 33.81. Over the past decade, Embassy Bancorp's OCF Margin % has ranged from 25.42 to 47.04. According to the industry distribution chart, Embassy Bancorp ranks #698 out of 1501 companies in the Banks industry, placing it in the top 46.5%.
Is Embassy Bancorp's OCF Margin % too high?
Embassy Bancorp's current OCF Margin % of 39.92% is 18% above median its 10-year median of 33.81. Over the past 10 years, this metric has ranged from a low of 25.42 to a high of 47.04. The Banks industry median OCF Margin % is 29.44. Embassy Bancorp's value of 39.92% is 35.6% above this industry median. Based on the distribution chart, Embassy Bancorp ranks #698 out of 1501 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 OCF Margin % compare to MSWV and MNAT?
According to the Banks industry distribution chart, Embassy Bancorp ranks #698 out of 1501 companies for OCF Margin %. This puts Embassy Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. Embassy Bancorp's value of 39.92% is 35.6% above this benchmark. Historically, Embassy Bancorp's own OCF Margin % has ranged from 25.42 to 47.04 over the past decade. While the company's 10-year median is 33.81 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Embassy Bancorp's current OCF Margin % of 39.92% is 35.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current OCF Margin % is 39.92%, which is 18% above median its own 10-year median of 33.81. 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 OCF Margin % is 39.92%, which is 18% above median its 10-year median of 33.81 and 35.6% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current OCF Margin % is 39.92% 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:
OCF Margin %: 39.92% (18% above median its 10-year median of 33.81)
GF Value™: $18.44 vs. price of $21.70 (17.7% above fair value)
Industry Position: 35.6% above the Banks median (#698 of 1501)
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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