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Embassy Bancorp, Inc. EMYB

OTC · stock · State Commercial Banks · website · IPO 2010-06-25

Embassy Bancorp, Inc. statistics & valuation

Market cap$160.3M
P / E11.7×
P / B1.3×
P / FCF13.1×
Dividend yield2.29%
Return on equity10.7%
Graham number +17.7%$25.95

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($25.95); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.80% 9.20% 11.60% 10.90% 11.40% 13.70% 20.10% 12.00% 9.80% 10.70% 2016201720182019202020212022202320242025
Shares outstanding
7.4M 7.5M 7.5M 7.5M 7.5M 7.6M 7.6M 7.6M 7.6M 7.6M 2016201720182019202020212022202320242025
Net debt ($)
-$24.2M -$33.5M $14.7M $14.7M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.70% 0.90% 0.90% 0.90% 1.00% 1.10% 0.80% 0.60% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.00× 0.00× 0.13× 0.12× 2016201720182019202020212022202320242025
EPS ($)
$0.96 $0.97 $1.34 $1.44 $1.70 $2.22 $2.34 $1.67 $1.37 $1.79 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Embassy Bancorp, Inc. trades at about 12.3× earnings — above its 10-year norm (10-year range 7.7×–17.2×, median 11.2×).

7.7× 17.2×

Shaded band = 10-year range (7.7×–17.2×); dot = today's 12.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.8%0.6%0.8%1.1%1.0%0.9%0.9%0.9%0.7%0.8%
Return on equity10.7%9.8%12.0%20.1%13.7%11.4%10.9%11.6%9.2%9.8%
Debt / equity————0.12×0.13×——0.00×0.00×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.