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


EMYB Embassy Bancorp Inc EMYB
63 GF Score
Price $21.70
GF Value $18.44
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Embassy Bancorp ROC %?

Embassy Bancorp EMYB -1.23% 63 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

EMYB
63GF Score
Embassy Bancorp Inc EMYB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Embassy Bancorp (EMYB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Embassy Bancorp and its competitors.
Is Embassy Bancorp's ROC % too high?
Embassy Bancorp's current ROC % is %. 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 ROC % compare to MSWV and MNAT?
Embassy Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Embassy Bancorp and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Embassy Bancorp's current ROC % 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 $18.44, compared to a current price of $21.70 — trading 17.7% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current ROC % 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 $21.70 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:

  • ROC %: %
  • GF Value™: $18.44 vs. price of $21.70 (17.7% above fair value)
  • GF Score™: 63/100 with 6 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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.70
Price
$18.44
GF Value