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Embassy Bancorp, Inc. EMYB OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Embassy Bancorp, Inc. (EMYB) is a Banks - Regional company in the Financial Services sector, currently trading at $19.92. It has a SharesGrow Score of 68/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $75M, +16.3%/yr average growth. Net income is $14M, growing at -4.9%/yr. Net profit margin is 18.3% (healthy). Gross margin is 61% (-40.4 pp trend).

Balance sheet: total debt is $14M against $128M equity (Debt-to-Equity (D/E) ratio 0.11, conservative). Current ratio is 138.93 (strong liquidity). Debt-to-assets is 0.8%. Total assets: $1.8B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 67/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

EMYB SharesGrow Score Overview

70/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 48/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 67/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — EMYB

EMYB trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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EMYB: +16.3%/yr revenue is, -4.9%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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EMYB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet EMYB: Debt-to-Equity (D/E) ratio 0.11 (conservative), Current ratio is 138.93 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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EMYB: Gross margin is 61% (-40.4 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

EMYB: Net profit margin is 18.3%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range14.26-20.63

Volume200

Avg Volume (30D)4.96K

Market Cap$152.31M

Beta (1Y)0.14

Dividend Yield$0.4800

Share Statistics

EPS (TTM)1.79

Shares Outstanding$7.64M

IPO Date2012-01-31

Employees112

CEODavid Lobach Jr.

Financial Highlights & Ratios

Revenue (TTM)$74.72M

Gross Profit$45.57M

EBITDA$17.66M

Net Income$13.7M

Operating Income$16.6M

Total Cash$355.39M

Total Debt$14.4M

Net Debt$944K

Total Assets$1.8B

Price / Earnings (P/E)11.1

Price / Sales (P/S)2.04

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS2907911026

Price Chart

EMYB

Embassy Bancorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

14.26 52WK RANGE 20.63

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