Embassy Bancorp (EMYB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Embassy Bancorp

OTC Markets OTCQX•Financial Services•Banks - Regional

$22.19-0.05(<0.01%)Pre-market

Market Cap

$163.81M

P/E

10.8x

P/S

2.1x

P/B

1.3x

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.

How this company scores

WeakMetricSide Score: 75/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability23/25

Growth21/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsConsistent free cash flow

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.8x5y range 6.5x – 12.1x

Currently near its 20-quarter median.

P/S · 2.1x5y range 1.6x – 3.1x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 2.0x

Price & Volume

Market Cap $163.81M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $78.01M
Q. Revenue: $20.30M
TTM EBITDA: $18.60M
TTM Op. Income: $18.60M
Q. Op. Income: $5.00M
TTM Net Income: $15.23M
Q. Net Income: $4.12M
EPS: $0.56
Shares Out.: $7.41M

$78.01M in TTM revenue grew 8.8% YoY, reaching $20.30M last quarter. TTM EBITDA of $18.60M and TTM operating income of $18.60M show growth is flowing through to the bottom line. TTM net income of $15.23M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.8%
EBITDA Margin: 24.6%
Op. Margin: 24.6%
Net Margin: 20.3%

Op. margin of 24.6% is up 2.6% YoY — cost efficiency is improving. Net margin at 20.3% and gross margin of 64.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.8x
P/S Ratio: 2.1x
P/B Ratio: 1.3x

At 10.8x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 2% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.86B
Cash: $132.94M
Long-Term Debt: N/A
Book Value: $128.05M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.18M
TTM Free Cash Flow: $15.22M
FCF Margin: 19.5%
FCF / Net Income: 1.0

TTM FCF of $15.22M on $3.18M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.