EMYBOTCState Commercial BanksFiscal year ends December 31
Embassy Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$21.25+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $157.51M
- P/E (TTM)
- 10.5
- Dividend yield
- 2.26%
Embassy Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Market Cap | $157.37M | $679.86M |
| Enterprise Value | $24.43M | $418.07M |
| PE Ratio | 10.47 | 12.00 |
| PS Ratio | 3.20 | 3.62 |
| PB Ratio | 1.23 | 1.18 |
| P/TBV Ratio | 1.23 | 1.42 |
| P/FCF Ratio | 10.34 | 10.93 |
| P/OCF Ratio | 9.91 | 10.04 |
Enterprise value
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| EV / Sales | 0.50 | 2.78 |
| EV / FCF | 1.61 | 8.40 |
Income (trailing twelve months)
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Revenue | $49.19M | $170.85M |
| Pretax Income | $18.53M | $70.12M |
| Net Income | $15.24M | $54.33M |
| EPS (Diluted) | $2.03 | $2.90 |
Margins
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 37.7% | 36.4% |
| Profit Margin | 31.0% | 29.1% |
| FCF Margin | 30.9% | 33.0% |
Returns
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.6% | 10.5% |
| Return on Assets (ROA) | 0.84% | 1.12% |
Growth
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 16.7% | 11.8% |
| Net Income Growth (YoY) | 29.8% | 23.1% |
| EPS Growth (YoY) | 31.8% | 22.7% |
| FCF Growth (YoY) | 26.8% | 27.1% |
| Revenue Growth (3Y CAGR) | -2.06% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.51% | 6.17% |
| EPS Growth (3Y CAGR) | -8.54% | 1.26% |
| EPS Growth (5Y CAGR) | 1.04% | 8.24% |
Balance sheet
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $132.94M | $205.54M |
| Net Cash (Debt) | $132.94M | $164.40M |
| Net Cash Per Share | $17.95 | $8.13 |
| Equity (Book Value) | $128.05M | $560.44M |
| Book Value Per Share | $17.29 | $28.47 |
| Tangible Book Value | $128.05M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $15.89M | $61.20M |
| Capital Expenditures | -$667.00K | -$4.02M |
| Free Cash Flow | $15.22M | $52.43M |
| FCF Per Share | $2.06 | $3.07 |
Efficiency
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $431.47K | $357.09K |
| Profits Per Employee | $133.64K | $107.23K |
| Employee Count | 114 | 528 |
Dividends and yields
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 9.68% | 8.07% |
| FCF Yield | 9.67% | 8.89% |
| Dividend Yield | 2.26% | 2.48% |
| Shareholder Yield | 2.26% | 3.13% |
| Dividend Per Share | $0.48 | $0.93 |
| Dividend Growth (YoY) | 14.3% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
Shares
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 7,405,600 | 18,910,300 |
| Shares Change (YoY) | -1.05% | 0.39% |
| Shares Change (QoQ) | -0.12% | 0.00% |
| Float | 4,906,310 | 16,895,350 |
| Shares Held by Insiders | 33.7% | 5.92% |
| Shares Held by Institutions | 6.06% | 61.9% |
Taxes
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Income Tax | $3.30M | $14.50M |
| Effective Tax Rate | 17.8% | 21.1% |
Scores
| Measure | Embassy Bancorp | Industry median |
|---|---|---|
| Graham Number | $28.10 | $45.31 |
| Graham Upside | 32.3% | 21.6% |
| Altman Z-Score | 0.18 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Embassy Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.