Stock EMYB EMBASSY BANCORP, INC.
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Financials Embassy Bancorp, Inc.

Equities

EMYB

US2907911026

Banks

Delayed OTC Markets
Other stock markets
 03:41:23 2024-05-15 pm EDT 		5-day change 1st Jan Change
13.49 USD +0.00% Intraday chart for Embassy Bancorp, Inc. +0.22% -8.23%
Mar. 28 Embassy Bancorp, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Embassy Bancorp, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 112 138.3 109.9 152.2 140.4 111.8
Enterprise Value (EV) 1 170.6 148.9 66.28 17.39 93.88 89.68
P/E ratio 11.2 x 12.8 x 8.59 x 9.09 x 7.91 x 8.83 x
Yield 1.14% 1.08% 1.51% 1.49% 1.89% 2.72%
Capitalization / Revenue 3.37 x 3.94 x 2.9 x 3.38 x 2.94 x 2.67 x
EV / Revenue 5.14 x 4.24 x 1.75 x 0.39 x 1.97 x 2.14 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.28 x 1.39 x 0.98 x 1.24 x 1.59 x 1.06 x
Nbr of stocks (in thousands) 7,494 7,478 7,528 7,544 7,592 7,604
Reference price 2 14.95 18.50 14.60 20.18 18.50 14.70
Announcement Date 3/13/19 3/11/20 3/12/21 3/18/22 3/17/23 3/28/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 33.22 35.12 37.84 44.98 47.73 41.85
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 12.36 13.37 15.73 20.85 21.99 15.46
Net income 1 10.08 10.88 12.81 16.79 17.7 12.66
Net margin 30.34% 30.98% 33.85% 37.32% 37.09% 30.24%
EPS 2 1.340 1.440 1.700 2.220 2.340 1.665
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.1700 0.2000 0.2200 0.3000 0.3500 0.4000
Announcement Date 3/13/19 3/11/20 3/12/21 3/18/22 3/17/23 3/28/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 58.6 10.6 - - - -
Net Cash position 1 - - 43.6 135 46.6 22.1
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 12.1% 11.6% 12.1% 14.3% 16.8% 13.1%
ROA (Net income/ Total Assets) 0.96% 0.96% 0.98% 1.09% 1.08% 0.77%
Assets 1 1,048 1,138 1,309 1,538 1,637 1,649
Book Value Per Share 2 11.70 13.30 14.90 16.20 11.60 13.90
Cash Flow per Share 2 1.910 3.260 17.50 22.50 8.870 10.40
Capex 1 1.02 0.78 1.98 1.51 0.72 0.81
Capex / Sales 3.07% 2.22% 5.24% 3.36% 1.51% 1.93%
Announcement Date 3/13/19 3/11/20 3/12/21 3/18/22 3/17/23 3/28/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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