Embassy Bancorp, Inc. (EMYB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 40 | 46 | 48 | 41 | 39 | 46 | 49 | - |
| Operating profit | $m | 17 | 19 | ||||||
| Net profit | $m | 13 | 17 | 18 | 13 | 10 | 14 | 15 | - |
| EPS reported | $ | 1.79 | 2.00 | ||||||
| Operating cashflow per share | $ | 1.68 | 1.97 | ||||||
| Capex per share | $ | 0.08 | 0.03 | ||||||
| FCF per share | $ | 1.60 | 1.94 | ||||||
| Free cash flow | $m | 12 | 16 | ||||||
| Net debt | $m | -344 | -357 | ||||||
| Book value equity | $m | 128 | 128 | ||||||
| Book value per share | $ | 16.69 | 16.83 | ||||||
| Number of shares | m | 7.64 | 7.61 | ||||||
| DPS (TTM paid) | $ | 0.55 | 0.55 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.17 | 11.54 | ||||||
| P/B LTM | x | 1.09 | 1.09 | ||||||
| P/S LTM | x | 3.05 | 2.83 | ||||||
| P/FCF LTM | x | 11.40 | 8.62 | ||||||
| EV/EBITDA LTM | x | 7.93 | 7.24 | ||||||
| EV/Sales LTM | x | 1.87 | 2.16 | ||||||
| Earnings Yield LTM | % | +9.83% | +8.67% | ||||||
| FCF Yield | % | +8.77% | +11.60% | ||||||
| Quality | |||||||||
| ROE | % | +10.74% | +11.90% | ||||||
| ROIC | % | +0.83% | +0.88% | ||||||
| Operating margin | % | +22.21% | +23.18% | ||||||
| Gross margin | % | +60.99% | +61.85% | ||||||
| FCF/Sales | % | +16.33% | +19.36% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +30.66% | +45.99% | ||||||
| Sales Growth YoY | % | +16.76% | +25.53% | ||||||
| Net Income Growth YoY | % | +31.20% | +45.93% | ||||||
| FCF Growth | % | +32.55% | +75.35% | ||||||
| Operating Profit Growth | % | +32.67% | +48.13% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.64% | +2.44% | ||||||
| Dividend Growth | % | +14.58% | +14.58% | ||||||
| Payout Ratio | % | +26.81% | +25.19% | ||||||
| FCF/Debt | x | 0.85 | 2.08 | ||||||
| Net Debt/EBITDA | x | 0.05 | -0.12 | ||||||
| EBIT/Net interest | x | 0.57 | 0.61 | ||||||
| Net debt/market cap | % | +8.48% | +7.60% | ||||||
| Net debt/Equity | x | -2.69 | -2.79 | ||||||
| Gross debt/equity | x | 0.11 | 0.06 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Embassy Bancorp, Inc. (EMYB)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.
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