Embassy BancorpEMYB -1.23%63 OCF Yield % is 9.31 as of Jun. 28, 2026, which is 12% below its 10-year median of 10.57. GuruFocus rates EMYB with a GF Score™ of 63/100 and a GF Value™ of $18.44 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Embassy Bancorp ranks worse than 50.1% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Embassy Bancorp OCF Yield % Related Terms
Embassy Bancorp OCF Yield % Historical Data
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The historical data trend for Embassy Bancorp's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Embassy Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Embassy Bancorp's OCF Yield % 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 Yield % of 9.31 as of Jun. 28, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Embassy Bancorp and its competitors. This is 12% below median its historical median of 10.57. Over the past decade, Embassy Bancorp's OCF Yield % has ranged from 7.88 to 20.76. According to the industry distribution chart, Embassy Bancorp ranks #754 out of 1505 companies in the Banks industry, placing it in the top 50.1%.
Is Embassy Bancorp's OCF Yield % too high?
Embassy Bancorp's current OCF Yield % of 9.31 is 12% below median its 10-year median of 10.57. Over the past 10 years, this metric has ranged from a low of 7.88 to a high of 20.76. The Banks industry median OCF Yield % is 9.32. Embassy Bancorp's value of 9.31 is 0.1% below this industry median. Based on the distribution chart, Embassy Bancorp ranks #754 out of 1505 companies in the Banks industry, which is below 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 Yield % compare to MSWV and MNAT?
According to the Banks industry distribution chart, Embassy Bancorp ranks #754 out of 1505 companies for OCF Yield %. This places Embassy Bancorp in the lower half of its industry. The industry median OCF Yield % is 9.32. Embassy Bancorp's value of 9.31 is 0.1% below this benchmark. Historically, Embassy Bancorp's own OCF Yield % has ranged from 7.88 to 20.76 over the past decade. While the company's 10-year median is 10.57 vs. the industry median of 9.32, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.32, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Embassy Bancorp's current OCF Yield % of 9.31 is 0.1% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current OCF Yield % is 9.31, which is 12% below median its own 10-year median of 10.57. 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 Yield % is 9.31, which is 12% below median its 10-year median of 10.57 and 0.1% below the Banks industry median of 9.32. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current OCF Yield % is 9.31 as of Jun. 28, 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 Yield %: 9.31 (12% below median its 10-year median of 10.57)
GF Value™: $18.44 vs. price of $21.70 (17.7% above fair value)
Industry Position: 0.1% below the Banks median (#754 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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