Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$15M
▲ +31.2% YoY
Net Margin
–
P/E
10.50
Balance Sheet
Total Assets
$1.86B
Equity
$128M
Total Debt
$0.00
Cash & Equiv.
$133M
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Embassy Bancorp (EMYB) in four numbers
Questions about Embassy Bancorp
Is Embassy Bancorp (EMYB) overvalued?
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.
What is Embassy Bancorp's fair value?
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.
Is Embassy Bancorp a high-quality business?
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.
Does Embassy Bancorp (EMYB) pay a dividend, and how much?
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.
Source: 10-Q filed 7 Aug 2026 (period ending 30 Jun 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.
Spot a number that looks wrong? Check it in EMYB's SEC filings or
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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