Financhill
Buy
84

EMYB Quote, Financials, Valuation and Earnings

Last price:
$17.80
Seasonality move :
4.04%
Day range:
$17.60 - $17.80
52-week range:
$14.26 - $17.82
Dividend yield:
2.7%
P/E ratio:
10.61x
P/S ratio:
1.86x
P/B ratio:
1.11x
Volume:
4.8K
Avg. volume:
6.1K
1-year change:
7.88%
Market cap:
$136.1M
Revenue:
$68.2M
EPS (TTM):
$1.68

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Embassy Bancorp, Inc. (Pennsylvania) has -- downside to fair value with a price target of -- per share.

EMYB vs. S&P 500

  • Over the past 5 trading days, Embassy Bancorp, Inc. (Pennsylvania) has overperformed the S&P 500 by 1.11% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Embassy Bancorp, Inc. (Pennsylvania) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Embassy Bancorp, Inc. (Pennsylvania) has grown year-over-year revenues for 48 quarters straight. In the most recent quarter Embassy Bancorp, Inc. (Pennsylvania) reported revenues of $19.1M.

Earnings Growth

  • Embassy Bancorp, Inc. (Pennsylvania) has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Embassy Bancorp, Inc. (Pennsylvania) reported earnings per share of $0.50.
Enterprise value:
148.2M
EV / Invested capital:
1.10x
Price / LTM sales:
1.86x
EV / EBIT:
3.31x
EV / Revenue:
2.03x
PEG ratio (5yr expected):
0.51x
EV / Free cash flow:
14.31x
Price / Operating cash flow:
13.12x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.74%
Net Income Margin (TTM):
17.53%
Return On Equity:
11.24%
Return On Invested Capital:
9.65%
Operating Margin:
24.05%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $58.6M $65.9M $73.1M $17.8M $19.1M
Gross Profit -- -- -- -- --
Operating Income $18.2M $12.7M $15.5M $3.2M $4.6M
EBITDA -- -- -- -- --
Diluted EPS $1.95 $1.39 $1.68 $0.36 $0.50
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $133.5M $75M $80.9M $95.4M $112.1M
Total Assets $1.6B $1.6B $1.7B $1.7B $1.8B
Current Liabilities $339M $389.9M $487.1M $532.4M $591.3M
Total Liabilities $1.4B $1.5B $1.6B $1.6B $1.7B
Total Equity $119.3M $76M $85.6M $114.5M $122.4M
Total Debt $14.7M -- -- -- --
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $21.9M $10.5M $11.1M $5.7M $4M
Cash From Investing -$57.6M -$2.2M -$48.8M -$34.6M $1.3M
Cash From Financing $41.2M $5.9M $53.7M -$15.1M $10.9M
Free Cash Flow $21.2M $814K $10.4M $5.5M $3.9M
EMYB
Sector
Market Cap
$136.1M
$553.7M
Price % of 52-Week High
99.89%
89.88%
Dividend Yield
2.7%
1.65%
Shareholder Yield
3.89%
3.16%
1-Year Price Total Return
7.88%
1.48%
Beta (5-Year)
0.204
0.481
Dividend yield:
2.7%
Annualized payout:
$0.42
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $17.70
200-day SMA
Buy
Level $16.27
Bollinger Bands (100)
Buy
Level 16.43 - 17.63
Chaikin Money Flow
Buy
Level 2M
20-day SMA
Buy
Level $17.50
Relative Strength Index (RSI14)
Buy
Level 70.82
ADX Line
Buy
Level 21.85
Williams %R
Sell
Level -3.5088
50-day SMA
Buy
Level $17.39
MACD (12, 26)
Buy
Level 0.12
25-day Aroon Oscillator
Buy
Level 32
On Balance Volume
Neutral
Level 1.4M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.2345)
Sell
CA Score (Annual)
Level (-2.3456)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (4.3797)
Buy
Piotroski F Score (Annual)
Level (5)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Embassy Bancorp, Inc. is a bank holding company, which engages in the provision of independent community financial services and traditional banking and related financial services to individual, business, and government customers. The company offers commercial and retail financial services, including the taking of time, savings, and demand deposits, the making of commercial, consumer, residential mortgage, and home equity loans, and the providing of other financial services. Its services also include treasurer checks, remote deposit capture, certified checks, safe deposit boxes, gift cards, night depository, wire transfers, bond coupon redemptions, savings bonds redemptions, credit/debit card merchant processing, automated teller machines, direct deposit, on-line banking and bill pay, cash management, commercial credit card, and escrow management services. The company was founded in 2008 and is headquartered in Bethlehem, PA.

Stock Forecast FAQ

In the current month, EMYB has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The EMYB average analyst price target in the past 3 months is --.

  • Where Will Embassy Bancorp, Inc. (Pennsylvania) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Embassy Bancorp, Inc. (Pennsylvania) share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About Embassy Bancorp, Inc. (Pennsylvania)?

    Analysts are divided on their view about Embassy Bancorp, Inc. (Pennsylvania) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Embassy Bancorp, Inc. (Pennsylvania) is a Sell and believe this share price will rise from its current level to --.

  • What Is Embassy Bancorp, Inc. (Pennsylvania)'s Price Target?

    The price target for Embassy Bancorp, Inc. (Pennsylvania) over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is EMYB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Embassy Bancorp, Inc. (Pennsylvania) is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of EMYB?

    You can purchase shares of Embassy Bancorp, Inc. (Pennsylvania) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Embassy Bancorp, Inc. (Pennsylvania) shares.

  • What Is The Embassy Bancorp, Inc. (Pennsylvania) Share Price Today?

    Embassy Bancorp, Inc. (Pennsylvania) was last trading at $17.80 per share. This represents the most recent stock quote for Embassy Bancorp, Inc. (Pennsylvania). Yesterday, Embassy Bancorp, Inc. (Pennsylvania) closed at $17.80 per share.

  • How To Buy Embassy Bancorp, Inc. (Pennsylvania) Stock Online?

    In order to purchase Embassy Bancorp, Inc. (Pennsylvania) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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