EMYB Stock Overview

Operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. More details

EMYB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 69.7% below our estimate of its fair value

Pays a reliable dividend of 2.51%

Risk Analysis

Shares are highly illiquid

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

Embassy Bancorp, Inc. Competitors

QNB

OTCPK:QNBC

US$125.3m

Eagle Bancorp Montana

NasdaqGM:EBMT

US$122.7m

Tri City Bankshares

OTCPK:TRCY

US$126.8m

Pacific Financial

OTCPK:PFLC

US$126.2m

Price History & Performance

Summary of share price highs, lows and changes for Embassy Bancorp
Historical stock prices
Current Share Price	US$16.74
52 Week High	US$16.74
52 Week Low	US$13.00
Beta	0.52
1 Month Change	1.76%
3 Month Change	6.02%
1 Year Change	14.50%
3 Year Change	-16.34%
5 Year Change	-9.02%
Change since IPO	179.00%

Recent updates

Shareholder Returns

	EMYB	US Banks	US Market
7D	1.5%	-3.5%	-2.7%
1Y	14.5%	29.1%	23.4%

Return vs Industry: EMYB underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: EMYB underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is EMYB's price volatile compared to industry and market?
EMYB volatility
EMYB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: EMYB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine EMYB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2001	110	Dave Lobach	www.embassybank.com

Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. The company offers demand deposits, savings, money market, time deposits, individual retirement, and NOW accounts; and certificates of deposit. It provides loans, such as secured fixed and variable rate loans; commercial lending; consumer lending, including mortgage loans, first time home buyer mortgages, secured home equity loans, lines of credit; residential mortgage loans; and commercial mortgage/construction loans.

Embassy Bancorp, Inc. Fundamentals Summary

How do Embassy Bancorp's earnings and revenue compare to its market cap?
EMYB fundamental statistics
Market cap	US$127.54m
Earnings (TTM)	US$10.56m
Revenue (TTM)	US$38.95m

12.1x

P/E Ratio

1.1x

P/B Ratio

Is EMYB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EMYB income statement (TTM)
Revenue	US$38.95m
Cost of Revenue	US$0
Gross Profit	US$38.95m
Other Expenses	US$28.38m
Earnings	US$10.56m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.39
Gross Margin	100.00%
Net Profit Margin	27.12%
Debt/Equity Ratio	35.0%

How did EMYB perform over the long term?

See historical performance and comparison

Dividends

2.5%

Current Dividend Yield

30%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 15:20
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Embassy Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution