Embassy Bancorp Inc.

At $21.20, Embassy Bancorp's price is 29% above the $16.38 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 10.50 times earnings and 10.32 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

Intrinsiqq's calculator puts Embassy Bancorp's fair value at $16.38 a share. It grows book value per share 2.3% a year for 5 years, applies an exit P/B of 1.2, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $12.28. Every input can be changed on the Intrinsic Value tab.

Embassy Bancorp scores 62 out of 100 on Intrinsiqq's quality score, which makes it a solid business on these measures. The score blends 6 checks computed from SEC filings. Its best check is book value growth at 14.0%, and its weakest is capital adequacy at 6.9%. The Quality tab shows every check against its target.

Yes. Embassy Bancorp (EMYB) pays a dividend: $0.48 per share over the last twelve months, a dividend yield of 2.34% at the latest close. It has raised its dividend per share for 13 years in a row, growing at 16.9% a year over the last 5 years. The payout takes about 24.1% of earnings.