What is Embassy Bancorp, Inc. (EMYB) stock price today?

Embassy Bancorp, Inc. (EMYB) is currently trading at $21.90, up 0% today.

What is EMYB P/E ratio?

Embassy Bancorp, Inc.'s P/E ratio is 11.47. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is EMYB return on equity (ROE)?

Embassy Bancorp, Inc.'s return on equity (ROE) is 11.90%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Embassy Bancorp, Inc.'s market cap?

Embassy Bancorp, Inc. has a market capitalization of $162.38M.

OTC · Banks - Regional

Embassy Bancorp, Inc. (EMYB) Stock

$21.90 +0.00% OTC: EMYB Financial Services

Valuation

Metric	Value
Price	$21.90
Market Cap	$162.38M
P/E Ratio	11.47
P/B Ratio	1.33
P/S Ratio	2.13
EPS (TTM)	$1.91
52-Week High	$22.00
52-Week Low	$15.50
Dividend Yield	2.51%

Financials & Margins

Metric	Value
ROE	11.90%
ROA	0.79%
ROCE	0.97%
Gross Margin	61.85%
Operating Margin	23.18%
Net Margin	19.09%
Debt/Equity	0.10
Current Ratio	130.05

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$50.0M	$53.0M	$60.0M	$68.0M	$75.0M
Operating Profit	$21.0M	$22.0M	$15.0M	$13.0M	$17.0M
Net Profit	$17.0M	$18.0M	$13.0M	$10.0M	$14.0M
EPS	$2.22	$2.34	$1.67	$1.37	$1.79
Op Margin	42.0%	41.9%	25.9%	18.4%	22.2%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$1.6B	$1.6B	$1.7B	$1.7B	$1.8B
Total Liabilities	$1.5B	$1.6B	$1.6B	$1.6B	$1.7B
Cash	$169.0M	$66.0M	$78.0M	$96.0M	$13.0M
Borrowings	$26.0M	$13.0M	$50.0M	$21.0M	$14.0M

Latest News

Embassy Bancorp, Inc. Announces Annual Cash Dividend GlobeNewswire · Jun 17, 2026 Embassy Bancorp, Inc. Announces Expansion of its Stock Repurchase Program GlobeNewswire · Jun 1, 2026 Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months Ended March 31, 2026 GlobeNewswire · May 21, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$15.0M	$20.0M	$19.0M	$10.0M	$13.0M
Investing Cash Flow	$-158.0M	$-162.0M	$2.0M	$-37.0M	$-68.0M
Financing Cash Flow	$232.0M	$56.0M	$-43.0M	$66.0M	$85.0M
Net Cash Flow	$38.0M	$-102.0M	$12.0M	$18.0M	$16.0M
Free Cash Flow	$14.0M	$19.0M	$19.0M	$9.0M	$12.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.33
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	40.39%
Return 3Y	62.09%
Return 5Y	23.54%

Ownership

Insiders Held30.68%

Institutions Held15.40%

Institutions Float Held22.21%

Institutional Holder	Shares	Report Date
Philadelphia Trust Company	295,906	2026-03-31
Siena Capital Partners GP, LLC	152,639	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
ARBVAmerican Riviera Bancorp	$27.80	-0.32%	11.30	$159.85M	0.00%
CMTV	$40.04	-1.48%	12.84	$223.87M	3.22%
CNBNCNB Bank Shares, Inc.	$27.55	+0.00%	11.20	$149.84M	2.18%
CSBBCSB Bancorp, Inc.	$72.50	+0.00%	13.50	$190.46M	2.37%
ENBPENB Financial Corp	$29.26	+0.90%	7.82	$166.89M	2.46%

About Embassy Bancorp, Inc.

Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.

Embassy Bancorp, Inc. is headquartered in US.

Embassy Bancorp, Inc. (EMYB) stock trades at $21.90 with a market capitalization of $162.38M. The stock is valued at a price-to-earnings (P/E) ratio of 11.47, price-to-book of 1.33, price-to-sales of 2.13. Over the past 52 weeks the stock has ranged between $15.50 and $22.00, and currently trades at its 52-week high. It pays a dividend yielding 2.51%.

On profitability, Embassy Bancorp, Inc. generates a return on equity (ROE) of 11.90%, return on capital employed of 0.97%, an operating margin of 23.18%, a net profit margin of 19.09%.

Official website: www.embassybank.com