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Embassy Bancorp Inc   (EMYB)
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 
Price: $22.2400 $-0.01 -0.045%
Day's High: $22.239999771118164 Week Perf: -0.27 %
Day's Low: $ 22.10 30 Day Perf: -1.11 %
Volume (M): 5,900 52 Wk High: $ 22.75
Volume (M$): $ 0 52 Wk Avg: $19.64
Open: $22.10 52 Wk Low: $17.00



 Market Capitalization (Millions $) 165
 Shares Outstanding (Millions) 7
 Employees 114
 Revenues (TTM) (Millions $) 49
 Net Income (TTM) (Millions $) 15
 Cash Flow (TTM) (Millions $) 50
 Capital Exp. (TTM) (Millions $) 1

Business Description


Embassy Bancorp, Inc. is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow.

The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area.


   Company Address: One Hundred Gateway Drive Bethlehem 18017 PA
   Company Phone Number: 882-8800   Stock Exchange / Ticker: EMYB


Customers Net Income grew by EMYB's Customers Net Profit Margin grew to

89.68 %

13.92 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BK        0.82% 
BPOP        0.92% 
FCNCA        0.66% 
FITB        0.61% 
MTB        1.07% 
WAL        3.08% 
• View Complete Report
   





Fundamental Analysis

Valuation Current
Price to Earnings PE Ratio (TTM) 10.96
Price to Earnings PE Ratio (Expected) -
Price to Sales (TTM) 3.40
Price to Sales (Expected) -
Price to Book 1.29
PEG (TTM) 0.34

Financial Strength Current
Quick Ratio 8.78
Working Capital Ratio 95.19
Leverage Ratio (MRQ) 13.64
Total Debt to Equity 0.06
Interest Coverage (TTM) 1.94
Debt Coverage (TTM) 3.95

Per Share Current
Earnings (TTM) 2.03 $
Revenues (TTM) 6.55 $
Cash Flow (TTM) 6.75 $
Cash 17.93 $
Book Value 17.28 $
Dividend (TTM) 1.03 $

Efficiency Current
Revenue per Employee (TTM) 425,816
Net Income per Employee (TTM) 133,640
Receivable Turnover Ratio (TTM) -
Inventory Turnover Ratio (TTM) -
Asset Turnover Ratio (TTM) 0.03

Profitability Ratios Current
Gross Margin (MRQ) 0 %
Operating Margin (MRQ) 0 %
Net Margin (MRQ) 32.27 %
Net Cash Flow Margin (MRQ) 0 %
Effective Tax Rate (TTM) 17.78 %

Management Effectiveness Current
Return On Assets (TTM) 0.84 %
Return On Investment (TTM) 2.67 %
Return On Equity (TTM) 12.12 %
Dividend Yield 4.63 %
Pay out Ratio (TTM) 50.74 %



Embassy Bancorp Inc's Segments





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