Embassy Bancorp, Inc. Logo

Embassy Bancorp, Inc.

EMYB

(3.5)
Stock Price

16,45 USD

0.63% ROA

10.91% ROE

11.05x PER

Market Cap.

119.902.283,00 USD

19.08% DER

2.67% Yield

17.32% NPM

Embassy Bancorp, Inc. Stock Analysis

Embassy Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Embassy Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (18.67%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (49%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

5 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

6 ROA

The stock's ROA (0.98%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (1.12x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (42) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

Embassy Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Embassy Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Embassy Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Embassy Bancorp, Inc. Revenue
Year Revenue Growth
2008 10.265.000
2009 14.573.000 29.56%
2010 19.765.000 26.27%
2011 20.614.000 4.12%
2012 22.007.000 6.33%
2013 22.809.000 3.52%
2014 23.921.000 4.65%
2015 26.173.000 8.6%
2016 27.783.000 5.79%
2017 31.001.000 10.38%
2018 33.913.000 8.59%
2019 35.430.000 4.28%
2020 40.060.000 11.56%
2021 45.592.000 12.13%
2022 48.411.000 5.82%
2023 58.052.000 16.61%
2023 59.786.000 2.9%
2024 67.292.000 11.15%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Embassy Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2008 0
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Embassy Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2008 3.858.000
2009 4.378.000 11.88%
2010 5.170.000 15.32%
2011 7.656.000 32.47%
2012 7.508.000 -1.97%
2013 8.562.000 12.31%
2014 8.904.000 3.84%
2015 8.982.000 0.87%
2016 10.102.000 11.09%
2017 11.217.000 9.94%
2018 12.483.000 10.14%
2019 13.002.000 3.99%
2020 14.072.000 7.6%
2021 15.645.000 10.05%
2022 13.871.000 -12.79%
2023 1.240.000 -1018.63%
2023 14.532.000 91.47%
2024 14.668.000 0.93%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Embassy Bancorp, Inc. EBITDA
Year EBITDA Growth
2008 13.311.000
2009 13.639.000 2.4%
2010 12.542.000 -8.75%
2011 12.222.000 -2.62%
2012 12.688.000 3.67%
2013 11.216.000 -13.12%
2014 12.526.000 10.46%
2015 14.097.000 11.14%
2016 14.626.000 3.62%
2017 16.810.000 12.99%
2018 19.274.000 12.78%
2019 14.202.000 -35.71%
2020 16.491.000 13.88%
2021 21.716.000 24.06%
2022 26.979.000 19.51%
2023 14.676.000 -83.83%
2023 -1.691.000 967.89%
2024 11.992.000 114.1%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Embassy Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2008 10.265.000
2009 14.573.000 29.56%
2010 19.765.000 26.27%
2011 20.614.000 4.12%
2012 22.007.000 6.33%
2013 22.809.000 3.52%
2014 23.921.000 4.65%
2015 26.423.000 9.47%
2016 27.783.000 4.9%
2017 31.001.000 10.38%
2018 33.913.000 8.59%
2019 35.430.000 4.28%
2020 40.060.000 11.56%
2021 45.592.000 12.13%
2022 48.411.000 5.82%
2023 58.052.000 16.61%
2023 59.786.000 2.9%
2024 64.476.000 7.27%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Embassy Bancorp, Inc. Net Profit
Year Net Profit Growth
2008 1.186.000
2009 2.733.000 56.6%
2010 4.662.000 41.38%
2011 5.144.000 9.37%
2012 5.743.000 10.43%
2013 5.523.000 -3.98%
2014 6.405.000 13.77%
2015 7.409.000 13.55%
2016 7.148.000 -3.65%
2017 7.300.000 2.08%
2018 10.079.000 27.57%
2019 10.879.000 7.35%
2020 12.810.000 15.07%
2021 16.786.000 23.69%
2022 17.702.000 5.17%
2023 12.008.000 -47.42%
2023 12.656.000 5.12%
2024 9.968.000 -26.97%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Embassy Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2008 0
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 2 0%
2021 2 50%
2022 2 0%
2023 2 -100%
2023 2 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Embassy Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2008 1.568.000
2009 -886.000 276.98%
2010 -366.000 -142.08%
2011 -317.000 -15.46%
2012 6.538.000 104.85%
2013 7.324.000 10.73%
2014 7.403.000 1.07%
2015 7.161.000 -3.38%
2016 8.622.000 16.95%
2017 9.930.000 13.17%
2018 11.819.000 15.98%
2019 13.525.000 12.61%
2020 11.651.000 -16.08%
2021 13.737.000 15.19%
2022 19.192.000 28.42%
2023 5.482.000 -250.09%
2023 18.692.000 70.67%
2024 247.000 -7467.61%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Embassy Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2008 1.744.000
2009 -177.000 1085.31%
2010 -366.000 51.64%
2011 -317.000 -15.46%
2012 7.151.000 104.43%
2013 7.723.000 7.41%
2014 7.679.000 -0.57%
2015 8.509.000 9.75%
2016 9.203.000 7.54%
2017 10.421.000 11.69%
2018 12.838.000 18.83%
2019 14.303.000 10.24%
2020 13.634.000 -4.91%
2021 15.249.000 10.59%
2022 19.911.000 23.41%
2023 5.659.000 -251.85%
2023 19.498.000 70.98%
2024 303.000 -6334.98%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Embassy Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2008 176.000
2009 709.000 75.18%
2010 0 0%
2011 0 0%
2012 613.000 100%
2013 399.000 -53.63%
2014 276.000 -44.57%
2015 1.348.000 79.53%
2016 581.000 -132.01%
2017 491.000 -18.33%
2018 1.019.000 51.82%
2019 778.000 -30.98%
2020 1.983.000 60.77%
2021 1.512.000 -31.15%
2022 719.000 -110.29%
2023 177.000 -306.21%
2023 806.000 78.04%
2024 56.000 -1339.29%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Embassy Bancorp, Inc. Equity
Year Equity Growth
2008 30.371.000
2009 33.677.000 9.82%
2010 36.729.000 8.31%
2011 44.333.000 17.15%
2012 50.027.000 11.38%
2013 54.055.000 7.45%
2014 61.332.000 11.86%
2015 68.101.000 9.94%
2016 73.278.000 7.06%
2017 79.769.000 8.14%
2018 87.225.000 8.55%
2019 99.615.000 12.44%
2020 112.174.000 11.2%
2021 122.515.000 8.44%
2022 88.276.000 -38.79%
2023 85.618.000 -3.1%
2023 105.655.000 18.96%
2024 102.620.000 -2.96%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Embassy Bancorp, Inc. Assets
Year Assets Growth
2008 391.083.000
2009 465.189.000 15.93%
2010 513.884.000 9.48%
2011 575.480.000 10.7%
2012 643.009.000 10.5%
2013 670.835.000 4.15%
2014 719.094.000 6.71%
2015 804.038.000 10.56%
2016 924.233.000 13%
2017 996.966.000 7.3%
2018 1.099.387.000 9.32%
2019 1.176.119.000 6.52%
2020 1.442.030.000 18.44%
2021 1.633.194.000 11.7%
2022 1.640.227.000 0.43%
2023 1.675.980.000 2.13%
2023 1.658.821.000 -1.03%
2024 1.716.700.000 3.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Embassy Bancorp, Inc. Liabilities
Year Liabilities Growth
2008 360.712.000
2009 431.512.000 16.41%
2010 477.155.000 9.57%
2011 531.147.000 10.17%
2012 592.982.000 10.43%
2013 616.780.000 3.86%
2014 657.762.000 6.23%
2015 735.937.000 10.62%
2016 850.955.000 13.52%
2017 917.197.000 7.22%
2018 1.012.162.000 9.38%
2019 21.348.000 -4641.25%
2020 1.329.856.000 98.39%
2021 1.510.679.000 11.97%
2022 1.551.951.000 2.66%
2023 1.590.362.000 2.42%
2023 1.553.166.000 -2.39%
2024 1.614.080.000 3.77%

Embassy Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
8.23
Net Income per Share
1.42
Price to Earning Ratio
11.05x
Price To Sales Ratio
1.91x
POCF Ratio
11.39
PFCF Ratio
152.94
Price to Book Ratio
1.17
EV to Sales
0.07
EV Over EBITDA
0.49
EV to Operating CashFlow
0.44
EV to FreeCashFlow
5.86
Earnings Yield
0.09
FreeCashFlow Yield
0.01
Market Cap
0,12 Bil.
Enterprise Value
0,00 Bil.
Graham Number
20.78
Graham NetNet
-260.35

Income Statement Metrics

Net Income per Share
1.42
Income Quality
0.97
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.83
EBT Per Ebit
0.97
Ebit per Revenue
0.22
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.98
Operating Profit Margin
0.22
Pretax Profit Margin
0.21
Net Profit Margin
0.17

Dividends

Dividend Yield
0.03
Dividend Yield %
2.67
Payout Ratio
0.56
Dividend Per Share
0.42

Operating Metrics

Operating Cashflow per Share
1.38
Free CashFlow per Share
0.1
Capex to Operating CashFlow
0.93
Capex to Revenue
0.16
Capex to Depreciation
9.52
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
19.88
Days Payables Outstanding
1976.89
Days of Inventory on Hand
-388707.47
Receivables Turnover
18.36
Payables Turnover
0.18
Inventory Turnover
-0
Capex per Share
1.28

Balance Sheet

Cash per Share
51,69
Book Value per Share
13,47
Tangible Book Value per Share
13.47
Shareholders Equity per Share
13.47
Interest Debt per Share
5.81
Debt to Equity
0.19
Debt to Assets
0.01
Net Debt to EBITDA
-12.41
Current Ratio
0.21
Tangible Asset Value
0,10 Bil.
Net Current Asset Value
-1,47 Bil.
Invested Capital
-520189000
Working Capital
-0,52 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,01 Bil.
Average Inventory
-1536739500
Debt to Market Cap
0.16

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Embassy Bancorp, Inc. Dividends
Year Dividends Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Embassy Bancorp, Inc. Profile

About Embassy Bancorp, Inc.

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.

CEO
Mr. David M. Lobach Jr.
Employee
110
Address
100 Gateway Drive
Bethlehem, 18017-9423

Embassy Bancorp, Inc. Executives & BODs

Embassy Bancorp, Inc. Executives & BODs
# Name Age
1 Ms. Diane Maria Cunningham
Senior Executive Vice President of Branch Administration, Marketing & Retail Lending
70
2 Mr. Michael B. Macy
Executive Vice President & Chief Lending Officer Business Banking
70
3 Ms. Tracy A. Barker
Senior Vice President & Bank Secrecy Officer
70
4 Mr. Mark A. Casciano
Senior Vice President of Strategic Initiatives
70
5 Desty A. Bonstein
Senior Vice President of Private Banking
70
6 Ms. Lynne Marie Neel
Senior EVice President, Controller, Deposit Operation, Finance, IR, Loan Operations & Assistant Secretary
70
7 David C. Arner
Senior Vice President of Facilities & Security
70
8 Scott A. Karwacki
Senior Vice President of Credit Analysis
70
9 Mr. David M. Lobach Jr.
Chairman, President & Chief Executive Officer
70
10 Ms. Judith A. Hunsicker
First Executive Officer, Chief Operating Officer, Chief Financial Officer, Secretary & Treasurer
70

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