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Embassy Bancorp Stock

Embassy Bancorp Stock EMYB

EMYB
US2907911026

Price

16.40
Today +/-
+0
Today %
+0 %

Embassy Bancorp stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Embassy Bancorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Embassy Bancorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Embassy Bancorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Embassy Bancorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Embassy Bancorp Stock Price History

DateEmbassy Bancorp Price
6/25/202516.40 undefined
6/24/202516.40 undefined
6/23/202516.40 undefined
6/17/202516.40 undefined
6/17/202515.80 undefined
6/16/202515.80 undefined
6/13/202515.75 undefined
6/12/202515.50 undefined
6/11/202515.43 undefined
6/10/202515.40 undefined
6/9/202515.38 undefined
6/5/202515.40 undefined
6/4/202515.40 undefined
6/3/202515.45 undefined
5/29/202515.50 undefined

Embassy Bancorp Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Embassy Bancorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Embassy Bancorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Embassy Bancorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Embassy Bancorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Embassy Bancorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Embassy Bancorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Embassy Bancorp’s growth potential.

Embassy Bancorp Revenue, EBIT and net profit per share

DateEmbassy Bancorp RevenueEmbassy Bancorp Net Income
202468.16 M undefined10.44 M undefined
202359.79 M undefined12.66 M undefined
202252.73 M undefined17.7 M undefined
20210 undefined16.79 M undefined
20200 undefined12.81 M undefined
20190 undefined10.88 M undefined
20180 undefined10.08 M undefined
201737.06 M undefined7.3 M undefined
20160 undefined7.15 M undefined
20150 undefined7.41 M undefined
20140 undefined6.41 M undefined
20130 undefined5.52 M undefined
201227.01 M undefined5.74 M undefined
20110 undefined5.14 M undefined

Embassy Bancorp Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M)
EBIT (M)
EBIT MARGIN (%)
NET INCOME (M)
NET INCOME GROWTH (%)
DIV. ()
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
20112012201320142015201620172018201920202021202220232024
0270000370000525968
------------13.4615.25
-174.07----127.03----90.3879.6669.12
000000000004700
000000000002300
--------------
555677710101216171210
---20.0016.67--42.86-20.0033.336.25-29.41-16.67
--------------
--------------
7.217.227.277.367.417.477.517.537.547.527.557.577.67.61
--------------
Details

Keystats

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Revenue and Growth

The Embassy Bancorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Embassy Bancorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETS
CASH BALANCE (M)
RECEIVABLES (M)
OTHER REC. (M)
INVENTORIES (M)
OTHER CURRENT LIAB. (M)
CURRENT ASSETS (M)
TANGIBLE ASSETS (M)
LONG-T. INVEST. (M)
LONG-T. REC. (M)
INTANGIBLE ASSETS (M)
GOODWILL (M)
OTHER NON-CURRENT ASSETS (M)
NON-CURRENT ASSETS (M)
TOTAL ASSETS (M)
LIABILITIES
COMMON STOCK (M)
ADDITIONAL PAID-IN CAPITAL (M)
RETAINED EARNINGS (M)
OTHER EQUITY (M)
UNREAL. GAINS/LOSSES (M)
EQUITY (M)
LIABILITIES (M)
PROVISIONS (M)
OTHER SHORT-TERM LIAB. (M)
SHORT-TERM DEBTS (M)
LONG-TERM DEBT PORTION (M)
SHORT-TERM REC. (M)
LONG-T. LIAB. (M)
DEFERRED TAXES (M)
OTHER LIAB. (M)
LONG-T. LIABILITIES (M)
DEBT (M)
TOTAL CAPITAL (M)
20112012201320142015201620172018201920202021202220232024
                           
0000000000067.300
00000000000000
00000000000000
00000000000000
000000000002.9300
0000000000070.2300
2.12.11.91.52.32.11.92.211.712.312.711.0410.939.82
00000000000316.9900
00000000000000
00000000000000
00000000000000
0000000000028.7100
2.12.11.91.52.32.11.92.211.712.312.7356.7410.939.82
2.12.11.91.52.32.11.92.211.712.312.7426.9710.939.82
                           
7.27.27.37.47.47.57.57.57.57.67.77.747.767.79
22.923.123.72424.324.62525.525.926.42727.6328.2528.8
11.917.422.528.535.241.347.656.465.87791.5106.55116.02123.26
2.42.30.51.51.200-1.21.32.9-1.2-51.11-43.7-50.64
00000000000000
44.4505461.468.173.480.188.2100.5113.912590.81108.32109.22
000.20.30.50.80.91.73.31.60.70.997.847.81
0.60.30000009.79.28.97.37.36.6
00000000000000
3424.540.439.366.811.91072.925.313.611.313.3850.2420.52
000000000001.8500
34.624.840.639.667.312.710.974.638.324.420.923.5265.3834.93
13.112.63.91.93.8000050.80000
00000000000000
1.82.63.24.54.54.95.56.16.37.68.29.179.2310.05
14.915.27.16.48.34.95.56.16.358.48.29.179.2310.05
49.54047.74675.617.616.480.744.682.829.132.6974.6144.98
93.990101.7107.4143.79196.5168.9145.1196.7154.1123.51182.93154.2
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Embassy Bancorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Embassy Bancorp's financial health and stability.

Assets

Embassy Bancorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Embassy Bancorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Embassy Bancorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Embassy Bancorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)
DEPRECIATION (M)
DEFERRED TAXES (M)
CHANGES IN WORKING CAPITAL (M)
NON-CASH ITEM (M)
PAID INTEREST (M)
PAID TAXES (M)
NET CASH FLOW FROM OPERATING ACTIVITIES (M)
CAPITAL EXPENDITURES (M)
CASH FLOW FROM INVESTING ACTIVITIES (M)
CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)
INTEREST INCOME AND EXPENSES (M)
NET DEBT CHANGE (M)
NET CHANGE IN EQUITY (M)
CASH FLOW FROM FINANCING ACTIVITIES (M)
CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)
TOTAL DIVIDENDS PAID (M)
NET CHANGE IN CASH FLOW (M)
FREE CASH FLOW (M)
SHARE-BASED COMPENSATION (M)
201120122013201420152016201720182019202020212022
55567771010121617
000000000000
-100000000000
101101212102
0000000000-10
003233357853
122232322344
677789101214131519
0000-100-10-1-10
-33-84-43-48-82-118-65-110-53-173-156-161
-33-83-42-48-81-117-65-109-52-171-154-160
000000000000
001-332-43054-3550-50-14
000000000000
536123397711364915125217839
546122424615765398820323256
000000-1-1-1-1-2-2
26-16-12-1349-5129137-102
6.266.547.327.47.168.629.9311.8213.5211.6513.7419.19
000000000000

Embassy Bancorp stock margins

The Embassy Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Embassy Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Embassy Bancorp.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Embassy Bancorp's sales revenue. A higher gross margin percentage indicates that the Embassy Bancorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Embassy Bancorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Embassy Bancorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Embassy Bancorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Embassy Bancorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Embassy Bancorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Embassy Bancorp Margin History

DateEmbassy Bancorp Profit margin
202415.32 %
202321.17 %
202233.57 %
20210 %
20200 %
20190 %
20180 %
201719.7 %
20160 %
20150 %
20140 %
20130 %
201221.25 %
20110 %

Embassy Bancorp Stock Sales Revenue, EBIT, Earnings per Share

The Embassy Bancorp earnings per share therefore indicates how much revenue Embassy Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Embassy Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Embassy Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Embassy Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Embassy Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Embassy Bancorp Revenue, EBIT and net profit per share

DateEmbassy Bancorp Sales per ShareEmbassy Bancorp Earnings per Share
20248.95 undefined1.37 undefined
20237.87 undefined1.67 undefined
20226.96 undefined2.34 undefined
20210 undefined2.22 undefined
20200 undefined1.7 undefined
20190 undefined1.44 undefined
20180 undefined1.34 undefined
20174.93 undefined0.97 undefined
20160 undefined0.96 undefined
20150 undefined1 undefined
20140 undefined0.87 undefined
20130 undefined0.76 undefined
20123.74 undefined0.8 undefined
20110 undefined0.71 undefined

Embassy Bancorp business model

Embassy Bancorp Inc is a holding company for the banking division of Embassy Bank for the Lehigh Valley. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania. Since its inception, Embassy Bancorp Inc has established a strong position in the banking market in the Lehigh Valley region. Embassy Bank for the Lehigh Valley was founded in 2001 and is an independent bank focused on financing small and medium-sized businesses, as well as serving the needs of individual and family customers. The bank has gained a reputation for its personal customer service and high-quality products and services. Embassy Bancorp Inc also offers financial advisory services, wealth management services, loans, and mortgages. The bank currently operates nine branches in the Lehigh Valley and surrounding areas equipped with state-of-the-art technology and staff to meet customer needs. The bank also offers online banking options to provide its customers with a secure, convenient, and user-friendly banking experience. Embassy Bancorp Inc offers various divisions and products, including business banking, private banking, mortgages, financial advisory services, online banking, and other financial services. In business banking, the bank supports small and medium-sized businesses in starting and growing their companies. This includes offering loans and lines of credit, cash management solutions, and debit cards to facilitate business operations. In private banking, Embassy Bancorp Inc provides personalized financial services for individuals and families. This includes financing for homes and cars, loans and borrowing, and complementary services such as tax advice and wealth management. Embassy Bancorp Inc's mortgage business offers various financing options, such as FHA loans, VA loans, and conventional loans with repayment options. Embassy Bancorp Inc also offers customized financial advisory services tailored to customer needs. The company's financial advisors help customers manage their wealth and investments by creating financial plans and selecting and monitoring investment products. Embassy Bancorp Inc's online banking provides customers with the ability to conveniently manage their banking activities from home or on the go. This includes various online banking options, including online account access and management, transfers, check and credit card processing, and bill payments. In recent years, Embassy Bancorp Inc has experienced a nearly 20% growth rate and has become a significant player in the banking market in the Lehigh Valley region. The company has earned a reputation for its strong presence in the banking market, personal customer service, and the provision of high-quality products and services. Embassy Bancorp is one of the most popular companies on Eulerpool.com.

Embassy Bancorp SWOT Analysis

Strengths

Embassy Bancorp Inc has a strong brand reputation, making it a trusted and recognized name in the industry. This helps attract and retain customers.

The company has a robust financial position, with healthy profitability and strong cash flow. This provides a solid foundation for growth and investment.

Embassy Bancorp Inc has a highly experienced and skilled management team, which brings expertise and strategic direction to steer the company towards success.

Weaknesses

The company operates in a highly competitive market, facing intense competition from other banks and financial institutions. This can pose challenges in terms of market share and customer acquisition.

Embassy Bancorp Inc may have a limited geographic presence, which restricts its ability to tap into new markets and diversify its revenue streams.

There might be a lack of technological innovation within the company, which could hinder its ability to adapt to rapidly changing customer preferences and industry trends.

Opportunities

Embassy Bancorp Inc can leverage its strong brand and customer trust to expand its product and service offerings, attracting new customers and increasing revenue.

The company can explore strategic partnerships or acquisitions to expand its geographic footprint and enter new markets, allowing for greater growth potential.

Emerging technologies and digital banking trends provide an opportunity for Embassy Bancorp Inc to enhance its online presence, improve customer experience, and streamline operations.

Threats

Regulatory changes and compliance requirements pose a significant threat to Embassy Bancorp Inc, as non-compliance can lead to penalties and reputational damage.

Economic downturns and financial crises can impact the stability of the banking industry and potentially result in reduced demand for banking products and services.

Cybersecurity threats and data breaches pose a risk to customer privacy and can severely damage the reputation and trust of Embassy Bancorp Inc.

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Embassy Bancorp Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Embassy Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

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Embassy Bancorp shares outstanding

The number of shares was Embassy Bancorp in 2024 — This indicates how many shares 7.614 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Embassy Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Embassy Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Embassy Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Embassy Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Embassy Bancorp dividend history and estimates

In 2024, Embassy Bancorp paid a dividend amounting to 0.42 USD. Dividend means that Embassy Bancorp distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Embassy Bancorp provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Embassy Bancorp’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Embassy Bancorp's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Embassy Bancorp Dividend History

DateEmbassy Bancorp Dividend
20240.42 undefined
20230.4 undefined
20220.35 undefined
20210.3 undefined
20200.22 undefined
20190.2 undefined
20180.17 undefined
20170.14 undefined
20160.13 undefined
20150.1 undefined
20140.06 undefined
20130.05 undefined
20120.04 undefined

Embassy Bancorp dividend payout ratio

In 2024, Embassy Bancorp had a payout ratio of 14.1%. The payout ratio indicates the percentage of the company's profits that Embassy Bancorp distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Embassy Bancorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Embassy Bancorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Embassy Bancorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Embassy Bancorp Payout Ratio History

DateEmbassy Bancorp Payout ratio
202414.1 %
202313.81 %
202214.97 %
202113.51 %
202012.94 %
201913.89 %
201812.69 %
201714.43 %
201613.54 %
201510 %
20146.9 %
20136.58 %
20125 %
201113.81 %
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Unfortunately, there are currently no price targets and forecasts available for Embassy Bancorp.

Embassy Bancorp shareholders

%
Name
Stocks
Change
Date
6.95871 % Banko (Frank III)529,8571,7072/3/2025
6.93458 % Lobach (David M Jr)528,0204,03712/13/2024
4.89671 % Pittman (John C)372,8501,8922/3/2025
3.25947 % Smith (Patti Gates)248,1862,1504/22/2024
2.66642 % Lesavoy (Bernard M)203,0293,7852/3/2025
1.82077 % Siena Capital Partners GP, LLC138,63950012/31/2024
1.41740 % Boyer (Geoffrey F)107,9251,8922/3/2025
1.11854 % Hunsicker (Judith A)85,1692,93212/13/2024
0.80671 % The Philadelphia Trust Company61,425-25012/31/2024
0.68664 % Yurconic (John T)52,2833,7852/3/2025
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Embassy Bancorp Executives and Management Board

Ms. Judith Hunsicker

(63)
Embassy Bancorp Chief Financial Officer, Chief Operating Officer, First Executive Officer, Secretary (since 2017)
Compensation 909,489

Mr. David Lobach

(74)
Embassy Bancorp Chairman of the Board, President, Chief Executive Officer of the Company and the Bank (since 2001)
Compensation 901,590

Ms. Lynne Neel

(62)
Embassy Bancorp Executive Vice President
Compensation 464,177

Ms. Diane Cunningham

(56)
Embassy Bancorp Executive Vice President of the Company and the Bank
Compensation 372,397

Mr. John Pittman

(74)
Embassy Bancorp Independent Director
Compensation 52,612
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Most common questions regarding Embassy Bancorp

What values and corporate philosophy does Embassy Bancorp represent?

Embassy Bancorp Inc represents values of integrity, exceptional customer service, and community involvement in its corporate philosophy. As a leading financial institution, Embassy Bancorp Inc aims to provide reliable and trustworthy banking solutions to its clients. The company emphasizes transparency and accountability, building strong relationships with customers, shareholders, and the local community. With a commitment to ethical business practices, Embassy Bancorp Inc strives to create long-term value for its stakeholders, supporting the growth and prosperity of the communities it serves.

In which countries and regions is Embassy Bancorp primarily present?

Embassy Bancorp Inc primarily operates in the United States, specifically in the state of Pennsylvania. With its headquarters in Bethlehem, Pennsylvania, Embassy Bancorp Inc serves customers in the Lehigh Valley region, including Northampton and Lehigh counties. As a community bank, it focuses on providing personalized financial services and supporting the local economies where it operates. Embassy Bancorp Inc aims to meet the banking needs of its customers by offering a range of products and services such as consumer and business banking, loans, mortgages, and more.

What significant milestones has the company Embassy Bancorp achieved?

Embassy Bancorp Inc has achieved several significant milestones throughout its journey. The company has successfully established itself as a leading financial institution offering a wide range of banking services. It has consistently reported strong financial performance, recording consistent revenue growth and delivering value to its shareholders. Embassy Bancorp Inc has also expanded its presence by opening multiple branches, enabling it to better serve its customers and communities. With a focus on customer satisfaction, the company has earned a reputation for providing excellent service and building long-term relationships. Embassy Bancorp Inc continues to strive for excellence and innovate in the financial industry.

What is the history and background of the company Embassy Bancorp?

Embassy Bancorp Inc, founded in 2001, is a reputable financial institution based in Pennsylvania. With a strong focus on providing quality banking services and personalized customer experiences, Embassy Bancorp Inc has established itself as a trusted name in the industry. Over the years, the company has gained an impressive track record of financial stability and growth, earning the loyalty of its diverse customer base. Recognized for its commitment to community involvement and customer satisfaction, Embassy Bancorp Inc continues to excel in serving both individuals and businesses alike.

Who are the main competitors of Embassy Bancorp in the market?

The main competitors of Embassy Bancorp Inc in the market include traditional banks such as Wells Fargo, JPMorgan Chase, Bank of America, and regional banks like BB&T and PNC Financial Services Group. These competitors also serve the banking needs of individuals and businesses, offering similar products and services. Embassy Bancorp Inc differentiates itself by focusing on personalized customer service and community banking solutions.

In which industries is Embassy Bancorp primarily active?

Embassy Bancorp Inc is primarily active in the banking and financial services industry.

What is the business model of Embassy Bancorp?

The business model of Embassy Bancorp Inc. focuses on providing financial services to individuals, businesses, and organizations in the Lehigh Valley region of Pennsylvania. The company offers a comprehensive range of banking products and services, including personal and business accounts, loans, mortgages, investment options, and wealth management solutions. Embassy Bancorp Inc. strives to establish strong relationships with its customers and prides itself on delivering exceptional customer service and tailored financial solutions. Through its community-oriented approach, Embassy Bancorp Inc. aims to contribute to the growth and prosperity of the local economy.

What is the P/E ratio of Embassy Bancorp 2025?

The P/E ratio cannot be calculated for Embassy Bancorp at the moment.

What is the P/S ratio of Embassy Bancorp 2025?

The P/S cannot be calculated for Embassy Bancorp currently.

What is the Quality Investing of Embassy Bancorp?

The Quality Investing for Embassy Bancorp is 3/10.

What is the revenue of Embassy Bancorp 2025?

The revenue cannot currently be calculated for Embassy Bancorp.

How high is the profit of Embassy Bancorp 2025?

The profit cannot currently be calculated for Embassy Bancorp.

What is the business model of Embassy Bancorp

Embassy Bancorp Inc is a financial holding company based in Bethlehem, Pennsylvania. The company offers a wide range of financial services for individual and business customers in the regional markets of Eastern Pennsylvania. The bank strives to provide high-quality service to its customers and aims to achieve profitable performance in all business areas. Banking Services In the banking sector, Embassy Bank offers two main areas: personal customers and business customers. Both categories benefit from a variety of financial products. Customer accounts including savings accounts, checking accounts, money market accounts, CDs/FDs, IRAs, as well as business checking, savings, money market accounts, CDs/FDs, and cash management. Financial services for personal customers include loans for mortgages, homes, cars, and other personal financial needs. In the business sector, the bank offers loans for working capital, real estate, and equipment, and supports companies in payment transactions and daily financial control. Wealth Management Embassy Wealth Management offers individual investment advice, financial planning, trust, and fiduciary services for individual customers and small businesses. Additionally, customers operating in specific markets are offered various external investment vehicles and portfolio management solutions. Insurance Through its subsidiary, New Tripoli JBW Group LLC, the company offers a wide range of insurance products. These include health insurance, life insurance, auto insurance, home insurance, and, lastly, professional liability insurance. Summary Overall, Embassy Bancorp offers an extensive range of financial services for individual and business customers. The product range is diverse to meet all customer needs. The company focuses on being profitable and customer-oriented, and customer relationships are characterized by high quality and loyalty.

What is the Embassy Bancorp dividend?

Embassy Bancorp pays a dividend of 0.35 USD distributed over payouts per year.

How often does Embassy Bancorp pay dividends?

The dividend cannot currently be calculated for Embassy Bancorp or the company does not pay out a dividend.

What is the Embassy Bancorp ISIN?

The ISIN of Embassy Bancorp is US2907911026.

What is the Embassy Bancorp ticker?

The ticker of Embassy Bancorp is EMYB.

How much dividend does Embassy Bancorp pay?

Over the past 12 months, Embassy Bancorp paid a dividend of 0.42 USD . This corresponds to a dividend yield of about 2.56 %. For the coming 12 months, Embassy Bancorp is expected to pay a dividend of 0.42 USD.

What is the dividend yield of Embassy Bancorp?

The current dividend yield of Embassy Bancorp is 2.56 %.

When does Embassy Bancorp pay dividends?

Embassy Bancorp pays a quarterly dividend. This is distributed in the months of July, July, July, July.

How secure is the dividend of Embassy Bancorp?

Embassy Bancorp paid dividends every year for the past 13 years.

What is the dividend of Embassy Bancorp?

For the upcoming 12 months, dividends amounting to 0.42 USD are expected. This corresponds to a dividend yield of 2.56 %.

In which sector is Embassy Bancorp located?

Embassy Bancorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Embassy Bancorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Embassy Bancorp from 7/12/2024 amounting to 0.42 USD, you needed to have the stock in your portfolio before the ex-date on 6/28/2024.

When did Embassy Bancorp pay the last dividend?

The last dividend was paid out on 7/12/2024.

What was the dividend of Embassy Bancorp in the year 2024?

In the year 2024, Embassy Bancorp distributed 0.4 USD as dividends.

In which currency does Embassy Bancorp pay out the dividend?

The dividends of Embassy Bancorp are distributed in USD.

All fundamentals about Embassy Bancorp

Our stock analysis for Embassy Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Embassy Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.