EMYB

Embassy Bancorp Inc

EMYB, USA

Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides various banking and related financial products and services to individual, business, and government customers in Pennsylvania. The company offers time, savings, money market, and demand deposits; checking, individual retirement, and NOW accounts; and certificates of deposit. It also provides loans, such as secured fixed and variable rate loans; commercial lending; consumer lending, including mortgage loans, first time home buyer mortgages, secured home equity loans, lines of credit, auto loans, and unsecured personal loans; residential mortgage loans; and commercial mortgage/construction loans. In addition, the company offers various other services, such as ACH origination, bank by mail, cash management, credit/debit card merchant processing, escrow management, fraud detection, night depository, person to person payment, personal financial management, positive pay, remote deposit capture, saving bond redemption, wire transfer, and direct deposit/ACH services. Further, it provides automated teller machines; treasurer and certified checks; ATM and debit cards; safe deposit boxes; commercial and consumer credit cards; and gift cards, as well as mobile and online banking, and bill pay services. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.

https://www.embassybank.com

Stock Price

$0.00

0%

decrease compared to yesterday.

Dividend

Frequency:

N/A

Rate:

N/A

Next Payout:

N/A
EMYB
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EMYB

Lehigh Valley residents pick Embassy as best bank and mortgage provider Stock Titan

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EMYB
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EMYB

Embassy Bank adds market share, takes fourth spot among banks in Lehigh and Northampton counties wfmz.com

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Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

10.90

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

1.14

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

3.10 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.21 %

Low ≤ 2%

High ≥ 10%

Free Cash Flow - Revenue % (FCF)

-

Very High

33.17 %

Low ≤ 5%

High ≥ 15%

Debt to Equity

-

Very Low

13.52

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 0.00% of the total shares of Embassy Bancorp Inc

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

—

EPS Estimate

—

Latest Release

Date

2025-06-30

EPS Actual

0.45

EPS Estimate

0

EPS Difference

0.45

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Strong Deep Value(8)
Defensive
Moderately Defensive(4.5)
Dividend
Weak Dividend Profile(3)
Economic Moat
Wide Moat Company(7.8)
GARP
Fair GARP(4.5)
Growth
Moderate Growth(4)
Momentum
Moderate Momentum(4)
Net Net
Possible Net-Net(5)
Quality
Moderate Quality(5.5)
Value
Fair Value(6)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.