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OTCMEMYB
Market cap121mUSD
Jan 27, Last price  
15.95USD
1D
-0.19%
1Q
0.95%
Jan 2017
22.69%
IPO
175.00%
Name

Embassy Bancorp Inc

Chart & Performance

D1W1MN
OTCM:EMYB chart
P/E
9.60
P/S
2.13
EPS
1.66
Div Yield, %
2.63%
Shrs. gr., 5y
0.19%
Rev. gr., 5y
11.00%
Revenues
57m
+18.07%
10,265,00014,573,00019,765,00020,614,00022,007,00022,809,00023,921,00026,173,00027,783,00031,001,00033,913,00035,430,00040,060,00045,592,00048,411,00057,157,000
Net income
13m
-28.51%
1,186,0002,733,0004,662,0005,144,0005,743,0005,523,0006,405,0007,409,0007,148,0007,300,00010,079,00010,879,00012,810,00016,786,00017,702,00012,656,000
CFO
19m
-2.07%
1,744,000-177,000-366,000-317,0007,151,0007,723,0007,679,0008,509,0009,203,00010,421,00012,838,00014,303,00013,634,00015,249,00019,911,00019,498,000
Dividend
Jun 28, 20240.42 USD/sh
Earnings
Mar 26, 2025

Profile

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. Its deposit products include savings, money market, individual retirement, and NOW accounts; demand and time deposits; and certificates of deposit. The company's loan portfolio comprises secured fixed and variable rate loans; business loans; consumer loans, including mortgages, secured home equity loans, lines of credit, auto, and unsecured personal loans, as well as mortgage escrow services; residential mortgage loans; and commercial mortgage/construction loans. In addition, it offers various other services, such as treasurer and certified check, wire transfer, credit/debit card merchant processing, direct deposit/ACH, ACH origination, fraud detection, cash and escrow management, safe deposit box, remote deposit capture, mobile banking, night depository, bank by mail, savings bond redemptions, person to person payment, positive pay, automated teller machine, and online banking and bill pay services, as well as gift, commercial credit, and ATM and debit cards. The company has branch offices in South Whitehall Township, Lower Macungie Township, the City of Bethlehem, Salisbury Township, Lower Saucon Township, Lower Nazareth Township, Borough of Nazareth, and Borough of Macungie, as well as in Lehigh and Northampton Counties in Pennsylvania. Embassy Bancorp, Inc. was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.
URL
https://www.embassybank.com/
IPO date
Jun 25, 2010
Employees
109
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
57,157
18.07%
48,411
6.18%
Cost of revenue
15,518
14,680
Unusual Expense (Income)
NOPBT
41,639
33,731
NOPBT Margin
72.85%
69.68%
Operating Taxes
2,799
4,291
Tax Rate
6.72%
12.72%
NOPAT
38,840
29,440
Net income
12,656
-28.51%
17,702
5.46%
Dividends
(3,041)
(2,644)
Dividend yield
2.72%
1.89%
Proceeds from repurchase of equity
(132)
(33)
BB yield
0.12%
0.02%
Debt
Debt current
35,000
15,234
Long-term debt
4,708
5,490
Deferred revenue
Other long-term liabilities
1,515,841
(1,496)
Net debt
(528,545)
(679,555)
Cash flow
Cash from operating activities
19,498
19,911
CAPEX
(806)
(719)
Cash from investing activities
3,255
(161,316)
Cash from financing activities
(11,125)
39,008
FCF
111,060
42,104
Balance
Cash
292,193
383,287
Long term investments
276,060
316,992
Excess cash
565,395
697,858
Stockholders' equity
80,076
63,184
Invested Capital
1,222,790
1,588,809
ROIC
2.76%
1.87%
ROCE
3.20%
2.04%
EV
Common stock shares outstanding
7,600
7,545
Price
14.70
-20.54%
18.50
-8.33%
Market cap
111,716
-19.97%
139,591
-8.44%
EV
(416,829)
(539,964)
EBITDA
42,554
34,614
EV/EBITDA
Interest
18,118
4,103
Interest/NOPBT
43.51%
12.16%