EMYB (Embassy Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

EMYB Embassy Bancorp Inc EMYB
58 GF Score
Price $21.90
GF Value $18.42
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Embassy Bancorp ROC (Joel Greenblatt) %?

Embassy Bancorp EMYB +1.62% 58 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates EMYB with a GF Score™ of 58/100 and a GF Value™ of $18.42 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 46 Banks companies, Embassy Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

EMYB
58GF Score
Embassy Bancorp Inc EMYB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Embassy Bancorp (EMYB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Embassy Bancorp and its competitors. According to the industry distribution chart, Embassy Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is Embassy Bancorp's ROC (Joel Greenblatt) % too high?
Embassy Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Embassy Bancorp ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Embassy Bancorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Embassy Bancorp's ROC (Joel Greenblatt) % compare to MNAT and ENBP?
According to the Banks industry distribution chart, Embassy Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Embassy Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current ROC (Joel Greenblatt) % is %. 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 $18.42, compared to a current price of $21.90 — trading 18.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Embassy Bancorp's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current ROC (Joel Greenblatt) % is % 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 $21.90 is trading 18.9% above its estimated GF Value™ of $18.42. GuruFocus considers Embassy Bancorp to be Modestly Overvalued.

Key valuation signals for EMYB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $18.42 vs. price of $21.90 (18.9% above fair value)
  • GF Score™: 58/100 with 4 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.
58GF Score

Get the complete analysis for EMYB

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.90
Price
$18.42
GF Value