Stocktoria
Embassy Bancorp, Inc. EMYB
Embassy Bancorp, Inc. (EMYB) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 2.29% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| EMYB | Embassy Bancorp, Inc. | 3/9 | — | 11.7 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About Embassy Bancorp, Inc.
Embassy Bancorp, Inc. operates as the bank holding company for Embassy Bank for the Lehigh Valley that provides banking and financial products and services in Pennsylvania. The company offers checking, savings, money market, and time deposits, as well as individual retirement accounts; secured fixed and variable rate loans; commercial lending; consumer lending, including fixed and variable-rate home equity, auto, and unsecured personal loans, as well as lines and overdraft lines of credit; and residential and commercial mortgage/construction loans. It also provides other services, such as ACH origination; ATM and debit cards; automated teller machines; bank by mail; cash management services; certified checks; commercial and consumer credit cards; credit/debit card merchant processing; direct deposit/ACH services; escrow management services; and fraud detection services. In addition, the company offers gift cards; mobile banking; night depository services; on-line banking and bill pay; person to person payments; personal financial management; positive pay; remote deposit capture; safe deposit boxes; savings bond redemptions; treasurer checks; and wire transfers. It serves individuals, businesses, and government customers. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.
FAQ
Is EMYB financially healthy?
Embassy Bancorp, Inc.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does EMYB pay a dividend, and is it safe?
Yes. Embassy Bancorp, Inc. pays a dividend yielding about 2.29% with a 26.8% payout ratio, rated “safe” for safety.
How profitable is EMYB?
In FY2025, Embassy Bancorp, Inc. had a return on equity of 10.7%.
Is EMYB overvalued or undervalued?
Embassy Bancorp, Inc. trades at about 12.3× trailing earnings — above its 10-year norm (10-year range 7.7×–17.2×, median 11.2×). Stocktoria reports the data, not buy/sell advice.
Is EMYB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Embassy Bancorp, Inc.: a Piotroski F-score of 3/9, a P/E of about 11.7×, a dividend yield of 2.29%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.