Embassy Bancorp's ROE % for the quarter that ended in Mar. 2026 was 11.85%. Embassy Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 1.16.
Embassy Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 10.22%.
Embassy Bancorp ROE % Adjusted to Book Value Related Terms
Embassy Bancorp ROE % Adjusted to Book Value Historical Data
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The historical data trend for Embassy Bancorp's ROE % Adjusted to Book Value 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.
Embassy Bancorp ROE % Adjusted to Book Value Chart
EMYB vs MNAT, ENBP, MSWV: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Embassy Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Embassy Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Embassy Bancorp's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 10.22% mean?
Embassy Bancorp (EMYB) has a ROE % Adjusted to Book Value of 10.22% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Embassy Bancorp and its competitors.
Is Embassy Bancorp's ROE % Adjusted to Book Value too high?
Embassy Bancorp's current ROE % Adjusted to Book Value is 10.22%. 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 ROE % Adjusted to Book Value compare to MNAT and ENBP?
Embassy Bancorp's ROE % Adjusted to Book Value of 10.22% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Embassy Bancorp and its competitors. Embassy Bancorp's current ROE % Adjusted to Book Value is 10.22%. 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 $21.62 — trading 17.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 10.22%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current ROE % Adjusted to Book Value is 10.22% 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 $21.62 is trading 17.2% above its estimated GF Value™ of $18.44.
GuruFocus considers Embassy Bancorp to be Modestly Overvalued.
Key valuation signals for EMYB:
ROE % Adjusted to Book Value: 10.22%
GF Value™: $18.44 vs. price of $21.62 (17.2% above fair value)
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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