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Embassy Bancorp, Inc. (EMYB) stock analysis

EMYBOTCState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 13, 2026Score 8/30
$21.25+0.00 (0.00%)

Close on Oct 19, 2026Market cap $156.79MP/E 9.7Yield 2.26%

StockData Score

Prices as of Nov 13, 2026How the score works

Value0Growth2Performance4Health2Dividend0

Weak8 of 30 checks passed

Embassy Bancorp passes 8 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
2/6
Past performance
4/6
Financial health
2/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 1.3% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 27.2% over the last twelve months, against a 5-year average of 1.3% a year.

  • Growing faster than the industry

    Revenue grew 16.2% over the last twelve months; the Commercial Banks median is 11.3%.

  • Return on equity above the industry

    Embassy Bancorp's return on equity of 13.6% is above the Commercial Banks median of 11.6%.

What to watch

  • Return on equity under 15%

    Return on equity was 13.6% over the last twelve months and averaged 13.1% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -2.1% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -8.5% a year over the last three fiscal years.

  • Thin capital

    Equity is 6.5% of total assets; 8% or more is a comfortable cushion.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew -2.1% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -8.5% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 27.2% over the last twelve months, against a 5-year average of 1.3% a year.

  • Growing faster than the industry

    Revenue grew 16.2% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 13.6% over the last twelve months and averaged 13.1% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.9%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Embassy Bancorp's return on equity of 13.6% is above the Commercial Banks median of 11.6%.

  • Earnings grew over 5 years

    Net income grew 1.3% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 32.0% over the last twelve months, against a 5-year average of 32.0%.

  • Net margin above the industry

    Embassy Bancorp's net margin of 32.0% is above the Commercial Banks median of 30.3%.

Financial health2/6

  • Thin capital

    Equity is 6.5% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 59.8% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 2.1% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    Embassy Bancorp has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Embassy Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.5
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

30.0%−1.8 pts over 5 years

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