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Embassy Bancorp, Inc. EMYB

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Price alert · EMYB

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21.20 USD 0.00 0.00%

At close · Oct 30

21.00 Day range 21.20
17.20 52-week range 22.75
YTD
+16.48%
1 year
+20.87%
Open
21.00
Prev close
21.20
Mkt cap
157.00M
Vol
1.10K
Avg vol
3.77K
EPS
2.02
P/E
10.50
More statistics
Low
21.00
High
21.20

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Financial health

Altman Z-Score

1.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 10.2×
FY 2016: 13.5×FY 2017: 16.3×FY 2018: 11.1×FY 2019: 12.7×FY 2020: 8.5×FY 2021: 9.0×FY 2022: 7.9×FY 2023: 8.8×FY 2024: 12.1×FY 2025: 10.2×
FY 2016 5y median 9.0× FY 2025
P/S 1.9×
FY 2016: 3.0×FY 2017: 3.4×FY 2018: 2.8×FY 2019: 3.1×FY 2020: 2.3×FY 2021: 3.1×FY 2022: 2.7×FY 2023: 1.9×FY 2024: 1.9×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/B 1.1×
FY 2016: 1.3×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.6×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/FCF 11.4×
FY 2016: 11.2×FY 2017: 12.0×FY 2018: 9.5×FY 2019: 10.2×FY 2020: 9.4×FY 2021: 11.0×FY 2022: 7.3×FY 2023: 6.0×FY 2024: 13.7×FY 2025: 11.4×
FY 2016 5y median 11.0× FY 2025
EV/EBITDA 7.9×
FY 2016: 7.9×FY 2017: 7.7×FY 2018: 12.0×FY 2019: 8.8×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 3.8×FY 2023: 5.1×FY 2024: 3.8×FY 2025: 7.9×
FY 2016 5y median 3.8× FY 2025
EV/Sales 1.9×
FY 2016: 2.7×FY 2017: 2.7×FY 2018: 3.9×FY 2019: 2.8×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 1.7×FY 2023: 1.4×FY 2024: 0.8×FY 2025: 1.9×
FY 2016 5y median 1.4× FY 2025
FCF Yield 8.8%
FY 2016: 8.9%FY 2017: 8.3%FY 2018: 10.6%FY 2019: 9.8%FY 2020: 10.7%FY 2021: 9.1%FY 2022: 13.7%FY 2023: 16.7%FY 2024: 7.3%FY 2025: 8.8%
FY 2016 5y median 9.1% FY 2025

Profitability

Gross Margin 61.0%
FY 2016: 85.3%FY 2017: 84.7%FY 2018: 82.0%FY 2019: 77.8%FY 2020: 80.8%FY 2021: 90.1%FY 2022: 90.5%FY 2023: 69.9%FY 2024: 58.2%FY 2025: 61.0%
FY 2016 5y median 69.9% FY 2025
Operating Margin 22.2%
FY 2016: 31.6%FY 2017: 33.5%FY 2018: 30.9%FY 2019: 29.9%FY 2020: 33.8%FY 2021: 42.0%FY 2022: 41.9%FY 2023: 25.9%FY 2024: 18.4%FY 2025: 22.2%
FY 2016 5y median 25.9% FY 2025
Net Margin 18.3%
FY 2016: 22.6%FY 2017: 20.7%FY 2018: 25.2%FY 2019: 24.3%FY 2020: 27.5%FY 2021: 33.8%FY 2022: 33.7%FY 2023: 21.2%FY 2024: 15.4%FY 2025: 18.3%
FY 2016 5y median 21.2% FY 2025
ROE 10.7%
FY 2016: 9.8%FY 2017: 9.2%FY 2018: 11.6%FY 2019: 10.9%FY 2020: 11.4%FY 2021: 13.7%FY 2022: 20.1%FY 2023: 12.0%FY 2024: 9.8%FY 2025: 10.7%
FY 2016 5y median 12.0% FY 2025
ROIC 0.8%
FY 2016: 8.0%FY 2017: 7.7%FY 2018: 6.1%FY 2019: 7.7%FY 2020: 6.2%FY 2021: 10.1%FY 2022: 15.0%FY 2023: 7.3%FY 2024: 7.3%FY 2025: 0.8%
FY 2016 5y median 7.3% FY 2025
ROA 0.8%
FY 2016: 0.8%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.9%FY 2021: 1.0%FY 2022: 1.1%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 10.0%
FY 2016: 8.1%FY 2017: 11.4%FY 2018: 13.4%FY 2019: 11.8%FY 2020: 3.9%FY 2021: 6.6%FY 2022: 5.9%FY 2023: 13.4%FY 2024: 14.0%FY 2025: 10.0%
FY 2016 FY 2025
Operating Income 32.7%
FY 2016: -3.5%FY 2017: 18.4%FY 2018: 4.5%FY 2019: 8.2%FY 2020: 17.6%FY 2021: 32.6%FY 2022: 5.5%FY 2023: -29.7%FY 2024: -19.1%FY 2025: 32.7%
FY 2016 FY 2025
EPS (diluted) 30.7%
FY 2016: -4.0%FY 2017: 1.0%FY 2018: 38.1%FY 2019: 7.5%FY 2020: 18.1%FY 2021: 30.6%FY 2022: 5.4%FY 2023: -28.6%FY 2024: -18.0%FY 2025: 30.7%
FY 2016 FY 2025
Free Cash Flow 32.5%
FY 2016: 20.4%FY 2017: 15.2%FY 2018: 19.0%FY 2019: 14.4%FY 2020: -13.9%FY 2021: 17.9%FY 2022: 39.7%FY 2023: -2.6%FY 2024: -50.8%FY 2025: 32.5%
FY 2016 FY 2025

Financial Health

Current Ratio 139×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 139×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 139×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 139×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.8×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: -1.1×FY 2017: -1.8×FY 2018: 3.4×FY 2019: -1.0×FY 2020: -6.2×FY 2021: -6.6×FY 2022: -2.3×FY 2023: -1.7×FY 2024: -5.5×FY 2025: 0.1×
FY 2016 5y median -2.3× FY 2025
Interest Coverage 0.6×
FY 2016: 2.6×FY 2017: 2.7×FY 2018: 2.0×FY 2019: 1.4×FY 2020: 2.5×FY 2021: 5.2×FY 2022: 5.4×FY 2023: 0.9×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 2.6%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 1.5%FY 2021: 1.5%FY 2022: 1.9%FY 2023: 2.7%FY 2024: 2.5%FY 2025: 2.6%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 26.8%
FY 2016: 13.5%FY 2017: 14.3%FY 2018: 12.6%FY 2019: 13.7%FY 2020: 12.8%FY 2021: 13.4%FY 2022: 14.9%FY 2023: 24.0%FY 2024: 30.6%FY 2025: 26.8%
FY 2016 5y median 24.0% FY 2025

Annual · latest fiscal year ends 2025-12-31