Is Embassy Bancorp Inc (EMYB) a Good Dividend Stock?
Learn more about Embassy Bancorp Inc's (EMYB) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Jack Gilleland
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COMPANY SUMMARY
Embassy Bancorp, Inc. operates as the bank holding company for Embassy Bank for the Lehigh Valley that provides banking and financial products and services in Pennsylvania. The company offers checking, savings, money market, and time deposits, as well as individual retirement accounts; secured fixed and variable rate loans; commercial lending; consumer lending, including fixed and variable-rate home equity, auto, and unsecured personal loans, as well as lines and overdraft lines of credit; and residential and commercial mortgage/construction loans. It also provides other services, such as ACH origination; ATM and debit cards; automated teller machines; bank by mail; cash management services; certified checks; commercial and consumer credit cards; credit/debit card merchant processing; direct deposit/ACH services; escrow management services; and fraud detection services. In addition, the company offers gift cards; mobile banking; night depository services; on-line banking and bill pay; person to person payments; personal financial management; positive pay; remote deposit capture; safe deposit boxes; savings bond redemptions; treasurer checks; and wire transfers. It serves individuals, businesses, and government customers. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.
Commentary & Analysis
Is Embassy Bancorp Inc (EMYB) Stock a Good Investment?
Learn more about Embassy Bancorp Inc's (EMYB) stock grades for Value and Growth and determine whether this Banks stock meets your investment needs.Jack Gilleland
Financial Summary
| Share Statistics | EMYB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $155.8 | $699.2 | 26% |
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| Shares Out (Mil) | 7.4 | 15.5 | 18% |
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| Institutional Ownership | 16.8% | 84.0% | 9% |
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| Float (Mil) | 4.4 | 21.7 | 11% |
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| Beta | 0.15 | 0.47 | 10% |
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| Avg Daily Volume (000s) | 2 | 51 | 9% |
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| Price Change (52-week) |
38.3% | 92.5% | 80% |
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| Growth | EMYB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.8% | 7.6% | 31% |
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| Net Income (5yr) | 1.4% | 11.1% | 41% |
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| EPS (5yr) | 1.0% | 10.0% | 32 |
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| Dividends (5yr) | 16.9% | 3.7% | 70% |
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| Cash Flow (5yr) | (29.5%) | (17.1%) | 20% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | EMYB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $49 | $187 | 20% |
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| Net Income (TTM) (Mil) | $15 | $54 | 47% |
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| EPS (TTM) | $2.018 | $2.600 | 71% |
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| Operating Cash Flow (TTM) (Mil) | $16 | $34 | 40% |
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| Net Cash Flow (TTM) (Mil) | $41 | $2 | 68% |
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| Long-Term Debt (Q1) (Mil) | $0 | $99 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | EMYB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.23 | 1.26 | 34% |
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| P/E | 10.6 | 12.4 | 20% |
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| Dividend Yield | 2.6% | 2.3% | 81% |
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| PEG (5yr hist) | 10.6 | 1.1 | 94% |
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| Ratios | EMYB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 31.4% | 29.4% | 89% |
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| ROA | 0.8% | 1.1% | 44% |
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| ROE | 12.6% | 11.4% | 64% |
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| Liabilities to Assets | 93.1% | 89.7% | 91% |
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| F-Score | 5 | 4 | 50% |
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Embassy Bancorp, Inc. did not pass any screens on 11/3/2026.
