EMYB (Embassy Bancorp) Scaled Net Operating Assets: -0.13 (As of Mar. 2026)


EMYB Embassy Bancorp Inc EMYB
63 GF Score
Price $21.70
GF Value $18.44
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Embassy Bancorp Scaled Net Operating Assets?

Embassy Bancorp EMYB -1.23% 63 Scaled Net Operating Assets is -0.13 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 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Embassy Bancorp's operating assets for the quarter that ended in Mar. 2026 was $1,490.93 Mil. Embassy Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $1,717.17 Mil. Embassy Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $1,800.58 Mil. Therefore, Embassy Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.13.

EMYB
63GF Score
Embassy Bancorp Inc EMYB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Embassy Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Embassy Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1688.72-1673.004)/1704.42
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1800.579 - 111.859
=1688.72

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1673.004 - 0 - 0
=1673.004

Embassy Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1490.933-1717.165)/1800.579
=-0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1841.972 - 351.039
=1490.933

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1717.165 - 0 - 0
=1717.165

* 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 Scaled Net Operating Assets of -0.13 mean?
Embassy Bancorp (EMYB) has a Scaled Net Operating Assets of -0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Embassy Bancorp and its competitors.
Is Embassy Bancorp's Scaled Net Operating Assets too high?
Embassy Bancorp's current Scaled Net Operating Assets is -0.13. 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 Scaled Net Operating Assets compare to MNAT and ENBP?
Embassy Bancorp's Scaled Net Operating Assets of -0.13 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Embassy Bancorp and its competitors. Embassy Bancorp's current Scaled Net Operating Assets is -0.13. 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 Scaled Net Operating Assets is -0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Embassy Bancorp (EMYB), the current Scaled Net Operating Assets is -0.13 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:

  • Scaled Net Operating Assets: -0.13
  • GF Value™: $18.44 vs. price of $21.70 (17.7% above fair value)
  • GF Score™: 63/100 with 5 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.70
Price
$18.44
GF Value