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Financial ServicesOQXUSD

Embassy Bancorp, Inc.

$0012345678900123456789.00123456789001234567890.0%
52w low (est.) $18.77$27.68 52w high (est.)
Market data · updated 1h ago
Market data
Market cap
USD167.20M
52w range
USD15.50 - USD22.75
Beta
0.15
Sector
Financial Services
Data quality
88/100
Valuation
P/E ratio
11.8x
DCF fair value
USD49.61
Margin of safety
+120.0%
Dividend yield
2.44%
Quality & efficiency
Moat score
43/100
Return on equity
12.3%
Profit margin
30.8%
Growth & analysts
Revenue growth
+16.6%
Run the 10-point checklist before you buy How these numbers are made

About Embassy Bancorp, Inc.

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.

Valuation

ValueGrowthProfitHealthIncome75QUALITY
Overall Rating
65
Buy
Buy

Derived from filed metrics · High confidence (88% of the inputs available)

Moat Score43
DCF Intrinsic Value
USD49.61+120.0% upside

Moat, DCF and rating computed by our valuation engine (ported from the original Python model).

Fundamentals

Market Cap
USD167.20M
P/E Ratio
11.8
Dividend Yield
2.44%
Revenue Growth
+16.6%
Profit Margin
30.8%
ROE
12.3%
Debt / Equity
0.00
Beta
0.15
ValueMomentum
vs Financial Services sector:P/E 12 vs 0 Moat 43 vs 0Yield 2.44% vs 0.0%

Statistics

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