Embassy Bancorp, Inc. (EMYB)
Financial Services · OQX
Fundamentals
Valuation and ratings
Embassy Bancorp, Inc. trades at USD22.55, which is 120% below the USD49.61 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 43 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 11.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
EMYB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.550 | 1 |
| 2025 | USD0.480 | 1 |
| 2024 | USD0.420 | 1 |
| 2023 | USD0.400 | 1 |
| 2022 | USD0.350 | 1 |
| 2021 | USD0.300 | 1 |
| 2020 | USD0.220 | 1 |
| 2019 | USD0.200 | 1 |
| 2018 | USD0.170 | 1 |
| 2017 | USD0.140 | 1 |
| 2016 | USD0.130 | 1 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
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.
EMYB passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Embassy Bancorp, Inc. (EMYB) undervalued?
Against our discounted cash flow estimate of USD49.61, EMYB at USD22.55 is 120% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is EMYB's P/E ratio?
EMYB trades at 11.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Embassy Bancorp, Inc. (EMYB) pay a dividend?
Yes. Embassy Bancorp, Inc. yields 2.44% at the current share price. It has paid USD0.550 per share over the trailing twelve months. It has paid a dividend in each of the last 14 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.