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Embassy Bancorp, Inc. (EMYB) stock

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%

Embassy Bancorp statistics

44 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings
–
Last ex-dividend date
Jun 26, 2026
Fundamentals through
Sep 30, 2026
Share price as of
–

Share statisticsIndustry

Shares Change (YoY)
-2.01%
0.33%
Shares Change (QoQ)
-0.73%
0.00%
Float
5M
17M
Shares Held by Insiders
33.7%
6.05%
Shares Held by Institutions
6.06%
61.3%

MarginsIndustry

Pretax Margin
39.1%
37.0%
Profit Margin
32.0%
29.6%
FCF Margin
32.7%
33.9%

Returns on capitalIndustry

Return on Equity (ROE)
13.6%
10.7%
Return on Assets (ROA)
0.91%
1.16%

GrowthIndustry

Revenue Growth (YoY)
16.2%
11.7%
Net Income Growth (YoY)
27.2%
22.6%
EPS Growth (YoY)
30.4%
21.6%
FCF Growth (YoY)
60.9%
27.2%
Revenue Growth (3Y CAGR)
-2.06%
5.82%
Revenue Growth (5Y CAGR)
2.51%
6.17%
EPS Growth (3Y CAGR)
-8.54%
1.31%
EPS Growth (5Y CAGR)
1.04%
8.24%

EfficiencyIndustry

Asset Turnover
0.03
0.04
Revenue Per Employee
$446.90K
$358.92K
Profits Per Employee
$142.97K
$110.51K
Employee Count
114
492

Income statement (TTM)Industry

Revenue
$50.95M
$183.72M
Pretax Income
$19.91M
$74.07M
Net Income
$16.30M
$57.59M
EPS (Diluted)
$2.19
$2.99

Balance sheetIndustry

Net Cash (Debt)
$65.50M
$165.09M
Net Cash Per Share
$8.85
$8.07
Equity (Book Value)
$117.81M
$570.13M
Book Value Per Share
$15.91
$28.12
Tangible Book Value
$117.81M
$478.27M

Cash flow (TTM)Industry

Operating Cash Flow
$17.47M
$66.48M
Capital Expenditures
-$799.00K
-$4.24M
Free Cash Flow
$16.67M
$59.01M
FCF Per Share
$2.25
$3.37

Dividends and yieldsIndustry

Dividend Per Share
$0.48
$0.92
Dividend Growth (YoY)
14.3%
4.26%
Years of Dividend Growth
15
2

Taxes and interestIndustry

Income Tax
$3.61M
$16.14M
Effective Tax Rate
18.1%
21.1%

Scores and fair valueIndustry

Graham Number
$28.00
$45.07
Piotroski F-Score
5
6

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Oct 19, 2026. The S&P 500 is measured by the SPY fund.

PeriodEMYBS&P 500DifferenceEMYB per yearS&P 500 per year
1 month-3.8%+0.6%−4.5 pts
3 months-5.9%+3.4%−9.3 pts
Year to date+19.8%+13.3%+6.5 pts
1 year+26.8%+16.6%+10.2 pts
3 years+57.7%+86.4%−28.7 pts+16.4%+23.1%
5 years+25.9%+81.9%−56.0 pts+4.7%+12.7%
10 years+128.6%+318.9%−190.3 pts+8.6%+15.4%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

0M EMYB shares were sold short on Oct 30, 2026, down 3.8% from the previous report. At recent volumes it would take 1.0 days to buy them back.

Settlement dateShares shortChangeAvg. daily volumeDays to cover
Oct 30, 2026600-3.8%8921.0
Oct 15, 2026624+24.8%3,9451.0
Sep 30, 2026500+1462.5%14,8381.0
Sep 15, 202632+540.0%6,4451.0
Aug 31, 20265–17,0211.0
Jul 15, 20261-99.3%3,4391.0
Jun 30, 2026141+14000.0%3,0741.0
Jun 15, 20261-99.8%6,5551.0
May 29, 2026412–6,1181.0
Apr 30, 202664-58.7%1,2801.0
Apr 15, 2026155-0.6%2,8181.0
Mar 31, 2026156-69.2%17,2011.0

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

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