Embassy Bancorp, Inc.
General ticker "EMYB" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $123.4M (TTM average)
Embassy Bancorp, Inc. follows the US Stock Market performance with the rate: 50.0%.
Estimated limits based on current volatility of 0.7%: low 17.56$, high 17.79$
Factors to consider:
- Company pays dividends (irregularly): last record date 2025-06-27, amount 0.48$ (Y2.69%)
- Total employees count: 109 as of 2022
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Financing risks, Cybersecurity threats, Market competition, Funding disruptions, IT system failures
- Price in estimated range
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [14.93$, 20.06$]
- 2025-12-31 to 2026-12-31 estimated range: [15.28$, 20.83$]
Financial Metrics affecting the EMYB estimates:
- Positive: with PPE of 12.1 at the end of fiscal year the price was very low
- Positive: 7.86 < Operating profit margin, % of 18.42
- Negative: Shareholder equity ratio, % of 6.25 <= 18.93
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: 6.82 < Operating cash flow per share per price, % of 7.85
- Positive: Industry operating profit margin (median), % of 19.98 > 9.92
Short-term EMYB quotes
Long-term EMYB plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $52.51MM | $59.57MM | $67.91MM |
| Operating Expenses | $30.52MM | $44.12MM | $55.40MM |
| Operating Income | $21.99MM | $15.46MM | $12.51MM |
| Interest Expense | $4.10MM | $18.12MM | $28.79MM |
| Income(Loss) | $21.99MM | $15.46MM | $12.51MM |
| Taxes | $4.29MM | $2.80MM | $2.07MM |
| Profit(Loss)* | $17.70MM | $12.66MM | $10.44MM |
| Stockholders Equity | $88.28MM | $105.66MM | $106.48MM |
| Assets | $1,640.23MM | $1,656.50MM | $1,704.42MM |
| Operating Cash Flow | $19.91MM | $19.50MM | $9.94MM |
| Capital expenditure | $0.72MM | $0.81MM | $0.74MM |
| Investing Cash Flow | $-161.32MM | $3.25MM | $-36.15MM |
| Financing Cash Flow | $39.01MM | $-11.12MM | $43.81MM |
| Earnings Per Share** | $2.35 | $1.67 | $1.37 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.