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Embassy Bancorp, Inc.

Datakwaliteit: 83%
EMYB
OTC Financial Services Depository Institutions
€ 19,92
▼ € 0,01 (-0,05%)
Marktkapitalisatie: 150,17 M
Prijs
€ 19,64
Marktkapitalisatie
150,17 M
Dagbereik
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52-Weeksbereik
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Volume
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Openen —
50D / 200D Gem.
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50D / 200D Gem.
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Quick Summary

Belangrijkste Punten

Earnings grew 31,20% over the past year
ROE of 11,57% — decent returns on equity
Generating 12,20 M in free cash flow
P/E of 10,96 — trading at a low valuation
Cash machine — converts 89,08% of earnings into free cash flow

Groei

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)31,20%
FCF Growth (3Y)-19,21%

Kwaliteit

Return on Equity
11,57%
Boven sectorgemiddelde (9,23%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Veiligheid

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Waardering

PE (TTM)
10,96
Onder sectorgemiddelde (11,11)
P/B Ratio1,23
EV/EBITDAN/A
Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (2698 peers)
Metriek Aandeel Sector Mediaan
P/E 11,0 11,1
P/B 1,2 1,2
ROE % 11,6 9,2
Net Margin % — 9,4
Rev Growth 5Y % — 5,8
D/E — 0,5

Koersdoel Analisten

Geen analistendekking beschikbaar

Winstschattingen

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Dividend History

Ex-Date Payment Date Amount Yield
Jun 27, 2025 — € 0,48 N/A
Jun 28, 2024 — € 0,42 N/A
Jun 29, 2023 — € 0,40 N/A
Jun 29, 2022 — € 0,35 N/A
Jun 29, 2021 — € 0,30 N/A
Sep 04, 2020 — € 0,22 N/A
Aug 30, 2019 — € 0,20 N/A
Aug 30, 2018 — € 0,17 N/A
Aug 30, 2017 — € 0,14 N/A
Aug 30, 2016 — € 0,13 N/A
Aug 28, 2015 — € 0,10 N/A
Aug 28, 2014 — € 0,06 N/A
Aug 29, 2013 — € 0,05 N/A
Aug 30, 2012 — € 0,04 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 31,20% Earnings Growth (3Y) 4,03%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -4,96%
Profitability
Revenue (TTM) N/A Net Income (TTM) 13,70 M
ROE 11,57% ROA 0,77%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 12,20 M
ROIC N/A FCF Growth (3Y) -19,21%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 122,43 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 10,96 Forward P/E N/A
P/B Ratio 1,23 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 8,12%
Market Cap 150,17 M Enterprise Value 150,17 M
Per Share
EPS (Diluted TTM) 1,79 Revenue / Share N/A
FCF / Share 1,60 OCF / Share 1,68
EPS CAGR (1Y) 30,66% EPS CAGR (5Y) -5,24%
EPS CAGR (10Y) 7,17%
Efficiency
CapEx / Revenue N/A FCF Conversion 89,08%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 13,70 M 10,44 M 12,66 M 17,70 M 16,79 M
EPS (Diluted) 1,79 1,37 1,67 2,34 2,22
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 42,42 M 36,18 M 18,12 M 4,10 M 4,01 M
Income Tax 2,90 M 2,07 M 2,80 M 4,29 M 4,07 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1,80 B 1,70 B 1,66 B 1,64 B 1,63 B
Total Liabilities 1,67 B 1,60 B 1,55 B 1,55 B 1,51 B
Shareholders' Equity 127,58 M 106,48 M 105,66 M 88,28 M 122,52 M
Total Debt — — — 14,65 M 14,65 M
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —