EMYB

Embassy Bancorp, Inc. [EMYB] Stock Forecast

Q: What is Embassy Bancorp, Inc. stock symbol ?

Embassy Bancorp, Inc. is a US stock, located in Bethlehem of Pa and trading under the symbol EMYB

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EMYB Stock Summary

Earnings have grown 6.18% per last year.

EPS has been increasing for the past 3 years (Yearly statements)

EMYB's dividend payments are well covered by cash flows with cash payout ratio of 15.39%.

Has a high level of debt. Debt-to-Equity ratio of 16.34 is considered high.

Earnings are expected to fall -100% next year

Profit margins (0.36%) are lower than the previous year (0.37%)

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EMYB Financial details

Company Rating

Strong Buy

Market Cap

107.49M

Income

17.29M

Revenue

48.48M

Book val./share

12.6

Cash/share

51.92

Dividend

0.35

Dividend %

2.5%

Employees

110

Optionable

Shortable

Yes

Earnings

31 Mar 2023

P/E

6.15

Forward P/E

PEG

1.21

P/S

2.2

P/B

1.11

P/C

0.27

P/FCF

5.15

Quick Ratio

166.33

Current Ratio

649.45

Debt / Equity

16.34

LT Debt / Equity

EPS (TTM)

3.36

EPS next Y

EPS next Q

EPS this Y

5.83%

EPS next Y

EPS next 5Y

EPS last 5Y

11.82%

Revenue last 5Y

7.16%

Revenue Q/Q

-10.56%

EPS Q/Q

-71.1%

SMA20

1.23%

SMA50

-16.92%

SMA100

-22.98%

Inst Own

Inst Trans

0.15%

ROA

ROE

20%

ROC

0.02%

Gross Margin

105%

Oper. Margin

56%

Profit Margin

36%

Payout

15%

Shs Outstand

7.6M

Shs Float

5.42M

Target Price

52W Range

12.5-21.4

52W High

-33.33%

52W Low

+16.67%

RSI

44.35

Rel Volume

0.1

Avg Volume

1.75K

Volume

172

Perf Week

-1.06%

Perf Month

-8.8%

Perf Quarter

-26.72%

Perf Half Y

-26.72%

Beta

0.600985

Volatility

0.08%, 0.69%

Prev Close

Price

Change

3.47%

EMYB Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
Revenue per share	4.59	4.74	5.36	6.06	6.45
Net income per share	1.35	1.46	1.71	2.23	2.36
Operating cash flow per share	1.72	1.91	1.83	2.03	2.65
Free cash flow per share	1.58	1.81	1.56	1.83	2.56
Cash per share	15.83	17.37	35.05	63.71	51.05
Book value per share	11.67	13.33	15.02	16.3	11.76
Tangible book value per share	11.67	13.33	15.02	16.3	11.76
Share holders equity per share	11.67	13.33	15.02	16.3	11.76
Interest debt per share	8.05	3.66	2.82	2.48	0.55
Market cap	104.82M	131.38M	105.46M	149M	138.9M
Enterprise value	131.24M	110.46M	-10.79M	-5.04M	72.6M
P/E ratio	10.4	12.08	8.23	8.88	7.85
Price to sales ratio	3.06	3.71	2.63	3.27	2.87
POCF ratio	8.16	9.19	7.74	9.77	6.98
PFCF ratio	8.87	9.71	9.05	10.85	7.24
P/B Ratio	1.2	1.32	0.94	1.22	1.57
PTB ratio	1.2	1.32	0.94	1.22	1.57
EV to sales	3.83	3.12	-0.27	-0.11	1.5
Enterprise value over EBITDA	6.81	4.69	-0.47	-0.2	2.69
EV to operating cash flow	10.22	7.72	-0.79	-0.33	3.65
EV to free cash flow	11.1	8.17	-0.93	-0.37	3.78
Earnings yield	0.1	0.08	0.12	0.11	0.13
Free cash flow yield	0.11	0.1	0.11	0.09	0.14
Debt to equity	11.6	10.81	11.86	12.33	17.58
Debt to assets	0.92	0.92	0.92	0.92	0.95
Net debt to EBITDA	1.37	-0.89	-5.08	-6.2	-2.46
Current ratio	2.23	6.18	161.58	2.18K	391.7
Interest coverage	0	2.43	3.45	5.98	6.36
Income quality	1.27	1.31	1.06	0.91	1.12
Dividend Yield	0.01	0.01	0.02	0.02	0.02
Payout ratio	0.13	0.14	0.13	0.13	0.15
Sales general and administrative to revenue	0.36	0.37	0.35	0.34	0.29
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-0.08	-0.05	-0.15	-0.1	-0.04
Capex to revenue	-0.03	-0.02	-0.05	-0.03	-0.01
Capex to depreciation	-1.32	-0.94	-2.61	-1.75	-0.81
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0.01
Graham number	18.82	20.89	24.07	28.61	24.97
ROIC	0	0.02	0.02	0.01	0.01
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-119.39	-126.44	-142.66	-136.98	-155.36
Working capital	66.51M	110.52M	263.34M	1.42B	385.23M
Tangible asset value	87.23M	99.62M	112.17M	122.52M	88.28M
Net current asset value	-891.66M	-944.64M	-1.06B	-88.62M	-1.17B
Invested capital	0.62	0.18	0.13	0.12	0
Average receivables	2.08M	2.11M	2.59M	2.87M	2.76M
Average payables	1.28M	2.49M	2.46M	1.15M	819K
Average inventory	0	0	0	0	0
Days sales outstanding	23.2	21.1	28.57	20.84	22.06
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	15.73	17.3	12.77	17.52	16.55
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.12	0.11	0.11	0.14	0.2
Capex per share	-0.14	-0.1	-0.27	-0.2	-0.1

Quarterly Fundamentals Overview

Last date of statement is 2023-03-31 for Q1

Metric	2022-03-31	2022-06-30	2022-09-30	2022-12-31	2023-03-31
Revenue per share	1.51	1.53	1.67	1.71	1.51
Net income per share	0.56	0.5	0.63	0.66	0.5
Operating cash flow per share	0.69	0.42	0.85	0.69	0.86
Free cash flow per share	0.66	0.4	0.81	0.68	0.85
Cash per share	65.12	60.48	50.72	51.05	51.92
Book value per share	13.64	11.5	10.06	11.76	12.6
Tangible book value per share	13.64	11.5	10.06	11.76	12.6
Share holders equity per share	13.64	11.5	10.06	11.76	12.6
Interest debt per share	0.12	0.12	0.12	0.19	0.38
Market cap	157.34M	145.38M	151.9M	138.9M	128.91M
Enterprise value	8.07M	13.5M	80.7M	72.6M	54.8M
P/E ratio	9.36	9.64	8	6.97	8.51
Price to sales ratio	13.81	12.55	12.03	10.84	11.25
POCF ratio	30.36	45.66	23.76	26.97	19.67
PFCF ratio	31.62	48.62	24.79	27.24	19.93
P/B Ratio	1.53	1.67	2	1.57	1.35
PTB ratio	1.53	1.67	2	1.57	1.35
EV to sales	0.71	1.16	6.39	5.67	4.78
Enterprise value over EBITDA	1.29	2.31	11.47	9.27	7.3
EV to operating cash flow	1.56	4.24	12.62	14.1	8.36
EV to free cash flow	1.62	4.51	13.17	14.24	8.47
Earnings yield	0.03	0.03	0.03	0.04	0.03
Free cash flow yield	0.03	0.02	0.04	0.04	0.05
Debt to equity	14.93	18.03	20.28	17.58	16.34
Debt to assets	0.94	0.95	0.95	0.95	0.94
Net debt to EBITDA	-23.8	-22.59	-10.12	-8.47	-9.87
Current ratio	790.56	3.36K	746.38	391.7	649.45
Interest coverage	6.74	6.33	7.49	5.4	2.54
Income quality	1.23	0.84	1.35	1.03	1.73
Dividend Yield	0	0.02	0	0	0
Payout ratio	0	0.7	0	0	0
Sales general and administrative to revenue	0.37	0.37	0.34	0.08	0.34
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-0.04	-0.06	-0.04	-0.01	-0.01
Capex to revenue	-0.02	-0.02	-0.02	0	-0.01
Capex to depreciation	-0.9	-0.89	-1.21	-0.24	-0.4
Stock based compensation to revenue	0.03	0.01	0.01	0.01	0.03
Graham number	13.07	11.37	11.93	13.25	11.89
ROIC	0	0	0	0	0
Return on tangible assets	0	0	0	0	0
Graham Net	-138.36	-146.58	-152.89	-155.36	-153.56
Working capital	493.48M	1.59B	385.36M	385.23M	1.55B
Tangible asset value	102.95M	86.85M	75.96M	88.28M	95.63M
Net current asset value	-1.04B	28.25M	-1.15B	-1.17B	-11.34M
Invested capital	0	0	0	0	0
Average receivables	2.66M	2.72M	2.76M	2.86M	2.97M
Average payables	312.5K	549.5K	495.5K	751.5K	1.69M
Average inventory	0	0	0	0	0
Days sales outstanding	21.45	21.19	19.86	20.56	23.71
Days payables outstanding	0	0	0	0	-94.89
Days of inventory on hand	0	0	0	0	0
Receivables turnover	4.2	4.25	4.53	4.38	3.8
Payables turnover	0	0	0	0	-0.95
Inventory turnover	0	0	0	0	0
ROE	0.04	0.04	0.06	0.06	0.04
Capex per share	-0.03	-0.03	-0.04	-0.01	-0.01

EMYB Dividend History

EMYB Frequently Asked Questions

What is Embassy Bancorp, Inc. stock symbol ?

Embassy Bancorp, Inc. is a US stock , located in Bethlehem of Pa and trading under the symbol EMYB

What is Embassy Bancorp, Inc. stock quote today ?

Embassy Bancorp, Inc. stock price is $14 today.

Is Embassy Bancorp, Inc. stock public?

Yes, Embassy Bancorp, Inc. is a publicly traded company.

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Company Profile

Volume Average 1.75K
Market Capitalization 107.49M
Employee 110
CEO Mr. David M. Lobach Jr.
Headquarters Bethlehem,PA,US
IPO Date 2010-08-05
Website https://www.embassybank.com

Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. Its deposit products include savings, money market, individual retirement, and NOW accounts; demand and time deposits; and certificates of deposit. The company's loan portfolio comprises secured fixed and variable rate loans; business loans; consumer loans, including mortgages, secured home equity loans, lines of credit, auto, and unsecured personal loans, as well as mortgage escrow services; residential mortgage loans; and commercial mortgage/construction loans. In addition, it offers various other services, such as treasurer and certified check, wire transfer, credit/debit card merchant processing, direct deposit/ACH, ACH origination, fraud detection, cash and escrow management, safe deposit box, remote deposit capture, mobile banking, night depository, bank by mail, savings bond redemptions, person to person payment, positive pay, automated teller machine, and online banking and bill pay services, as well as gift, commercial credit, and ATM and debit cards. The company has branch offices in South Whitehall Township, Lower Macungie Township, the City of Bethlehem, Salisbury Township, Lower Saucon Township, Lower Nazareth Township, Borough of Nazareth, and Borough of Macungie, as well as in Lehigh and Northampton Counties in Pennsylvania. Embassy Bancorp, Inc. was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.