Watch Embassy Bancorp Inc for free: we tell you when fair value or trend changes.

Embassy Bancorp Inc (EMYB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Embassy Bancorp Inc stock $15.90, price $20.90, that is 23.9% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $14.56 to bull $18.69 Growth analysisrevenue history, year by year Quality 58/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Some data Nov 6, 2026

Embassy Bancorp Inc

EMYB · US

Solid, but expensive

Our calculation puts a fair price 24% below what the stock costs today.

Healthy Growth (revenue 5y +3.7 %/yr in USD)

Highly profitable · 31.4% net margin (TTM)

2.6% dividend yield · Low payout

Ranks above peers (9/13)

Quality 58/100

Moderate moat 63/100 · thin data

Insiders bought $147,480 (6M) · sold $47,965

Some data

Fair value $15.90 · Overvalued

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $8.55 – $22.58 · fair‑value band $14.56 – $18.69 · the $20.90 price screens above the $15.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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.

Show moreShow less

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.

Stock analysis

Embassy Bancorp Inc (EMYB) currently trades at $20.90, while our model-based Fair Value estimate is $15.90, 24% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $22.88 per share, and 2 of the 6 models we run sit above the $20.90 price.

Bear case: the Dividend Discount group reads lowest at $6.13, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $14.56 (bear) to $18.69 (bull), the price of $20.90 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Embassy Bancorp Inc reported revenue of $45.4M in FY2025 versus $45.0M in FY2021, a compound +0.2%/yr. Reported net income was $13.7M in FY2025, compounding −5.0%/yr from FY2021.

Key figures

Market cap $158M Micro · P/E ratio 10.2 · P/S ratio 3.25 · EPS (TTM) $2.04 · Dividend yield 2.6% · Net margin 31.4% · Return on equity 12.6% · Return on assets (EBIT) 1.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, EMYB screens cheaper than that median.

Fair Value models

Bear $14.56 Fair Value $15.90 Bull $18.69

Price $20.90 · Downside -23.9%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.28 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $14.56 $15.90 $18.69 76

Gordon GGM $3.78 $6.73 $9.17 68

DDM Multi-Stage $3.78 $5.52 $7.11 67

All 6 models by family

Dividend Discount

Gordon GGM $3.78 $6.73 $9.17 68

DDM Multi-Stage $3.78 $5.52 $7.11 67

Multiples

P/E Multiple $18.03 $24.04 $30.06 63

P/B Multiple $16.29 $21.72 $27.15 55

Asset-Based

NCAV (Graham) $8.61 $11.54 $17.23 54

Economic Profit

Residual Income $14.56 $15.90 $18.69 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35

How much profit the company makes from its sales and capital

Quality Growth 43

Are margins and returns getting better?

Cashflow 81

Do the profits arrive as real cash?

Financial strength 21

Debt, balance sheet and risk of trouble

Investment 73

Does it invest with discipline instead of growing at any price?

Low Volatility 92

How calm the share price moves, does not count

Price momentum 49

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 66

Distance to the 52-week high, does not count

New shares 88

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 6 officers or directors bought shares worth $147,480, most recently on Aug 28, 2026. Over the same period, one person sold shares worth $47,965. Buying cluster

SaleGeoffrey F BoyerDirector2,200 shares at $21.80$47,965Sep 23, 2026
BuyDavid M Lobach JrChairman, President and CEO, Director10× since Dec 3, 2025: 8,270 shares, avg. $19.70$162,938Aug 28, 2026
BuyBernard M LesavoyDirector5× since Dec 3, 2025: 4,096 shares, avg. $20.27$83,029Aug 26, 2026
BuyJohn T YurconicDirector2× since Dec 3, 2025: 2,500 shares, avg. $18.47$46,185Jun 15, 2026
BuyLynne Marie NeelSr. Executive Vice President2× since Dec 3, 2025: 650 shares, avg. $19.73$12,827Jun 15, 2026
BuyJeffrey C. SkuminEVP, CFO2× since Dec 3, 2025: 300 shares, avg. $18.35$5,505Jun 15, 2026
BuyMichael B MacyEVP, CLO Business Banking2× since Dec 3, 2025: 2,000 shares, avg. $19.59$39,180Jun 15, 2026
BuyBrandi StefanovEVP, Branch Administration56 shares at $17.73$993Dec 3, 2025
SaleJohn G EnglessonDirector3,000 shares at $17.73$53,190Dec 3, 2025
SalePatti Gates SmithDirector3,000 shares at $17.73$53,190Dec 3, 2025

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 76/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+16.0%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

−1.7%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+3.7%

Start year 2020 (pandemic). Over 10 years: +5.2% a year

Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+3.9%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+3.9%

Earnings growth per share plus dividend.

Earnings per share, growth per year+1.3%

Dividend (yield on the price)2.6%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1.3% vs 6.6%, slowing

Pace: the 5-year rate starts in 2020 (pandemic)

EMYB screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/13 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 58 · Above median

Fair Value upside −23.9% · Below median

Profitability

Return on equity (12 months) 12.6% · Above median

Return on assets 0.8% · Below median

Net margin (12 months) 31.4% · Above median

Operating margin (12 months) 43.4% · Above median

Growth and dividend

Revenue growth (quarter YoY) 10.8% · Above median

Dividend yield (12 months) 2.6% · Above median

Balance sheet

Debt / equity 0.12× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.2× · Cheaper than median

P/B 1.24× · Pricier than median

P/S (12 months) 3.25× · Cheaper than median

Price / free cash flow (fiscal year) 12.9× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)1 · sector 8

FUTURE (revenue growth)54 · sector 47

PAST (return on equity)50 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)53 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs EMYB
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs EMYB
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs EMYB
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs EMYB
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs EMYB
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs EMYB
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs EMYB
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs EMYB
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs EMYB
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs EMYB

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Embassy Bancorp Inc: fair value per Fair Value Calculator

<a href="https://www.fairvalue-calculator.com/stock/EMYB?utm_source=embed&amp;utm_medium=badge" target="_blank" rel="nofollow noopener"><img src="https://www.fairvalue-calculator.com/embed/EMYB.US.svg" width="360" height="84" alt="Embassy Bancorp Inc: fair value per Fair Value Calculator" style="border:0;max-width:100%" loading="lazy"></a>

Cite: Fair Value Calculator (2026). "Embassy Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/EMYB

Frequently asked questions

Is Embassy Bancorp Inc (EMYB) overvalued or undervalued?

As of Nov 6, 2026, our model estimates a fair value of $15.90 versus a price of $20.90, about 24% lower (overvalued).

What is the fair value of EMYB?

Our model-based fair value for Embassy Bancorp Inc is $15.90 (as of Nov 6, 2026), built from audited fundamentals. The current price: $20.90.

What is the quality score of EMYB?

Embassy Bancorp Inc has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Embassy Bancorp Inc (EMYB)?

Our model-based price target is the fair value of $15.90 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $14.56, optimistic scenario $18.69. It is a calculation from audited fundamentals, not an analyst target.

What is the Embassy Bancorp Inc stock forecast for 2026?

Our models put fair value at $15.90, about 24% lower versus a price of $20.90 (overvalued). Cautious scenario $14.56, optimistic scenario $18.69. The calculation is refreshed regularly with new filings.

What is the revenue of Embassy Bancorp Inc (EMYB)?

Embassy Bancorp Inc reported trailing-twelve-month revenue of about $48.5M (latest available figure, as of Nov 6, 2026).

Does Embassy Bancorp Inc pay a dividend?

Embassy Bancorp Inc currently shows a dividend yield of 2.63% relative to its recent price (as of Nov 6, 2026).

How much is the dividend of Embassy Bancorp Inc (EMYB) and when is the ex-dividend date?

Embassy Bancorp Inc pays a dividend of $0.55 per share a year, a dividend yield of 2.6%. The last ex-dividend date was Jun 26, 2026. A dividend has been paid every year since at least 2012. The payout ratio is 27.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Embassy Bancorp Inc (EMYB)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Embassy Bancorp Inc it is $15.90 per share (as of Nov 6, 2026), against a price of $20.90. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Embassy Bancorp Inc stock overvalued or undervalued in 2026?

As of Nov 6, 2026, EMYB trades above its calculated fair value: price $20.90, fair value $15.90, a gap of about −24% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of EMYB?

No. The price is what the market pays today ($20.90); the fair value is what the company's own numbers justify ($15.90). For Embassy Bancorp Inc the two are $5.00 per share apart. That gap is exactly why we show both numbers side by side.

How much is Embassy Bancorp Inc worth?

The market values Embassy Bancorp Inc at about $158M (market capitalisation, as of Nov 6, 2026). Per share that is $20.90; our models calculate a fair value of $15.90 per share.

What do the bullish and bearish scenarios say about EMYB?

Our models span a range for Embassy Bancorp Inc: cautious scenario $14.56, base $15.90, optimistic $18.69 per share (as of Nov 6, 2026, price $20.90). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of EMYB?

Embassy Bancorp Inc trades at a price-to-earnings ratio of 10.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $15.90 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 10.6. Other multiples: P/B 1.2, P/S 3.2.

How solid is the balance sheet of Embassy Bancorp Inc (EMYB)?

Balance-sheet figures for Embassy Bancorp Inc (as of Nov 6, 2026): return on equity 12.6%, debt of 0.12 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.

How far is EMYB from its 52-week high?

Embassy Bancorp Inc trades at $20.90, about 7% below its 52-week high of $22.58 and 25% above the low of $16.78 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $15.90 is for.

Which stocks are comparable to Embassy Bancorp Inc?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Embassy Bancorp Inc stock attractive at the current price?

The data as of Nov 6, 2026: price $20.90, calculated fair value $15.90 (−24%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of EMYB calculated?

We run Embassy Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $15.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. Embassy Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Embassy Bancorp Inc (EMYB)?

The closing price on Nov 6, 2026 was $20.90. Our model-based fair value is $15.90, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Embassy Bancorp Inc right now?

The price sits above even our optimistic bull case ($18.69). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Embassy Bancorp Inc

How large is the market capitalisation of Embassy Bancorp Inc (EMYB)?

The market capitalisation of Embassy Bancorp Inc is $158M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Embassy Bancorp Inc (EMYB)?

The price-to-sales ratio of Embassy Bancorp Inc is 3.25 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Embassy Bancorp Inc (EMYB)?

Earnings per share at Embassy Bancorp Inc are $2.04 (price ÷ EPS = P/E 10.2). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Embassy Bancorp Inc (EMYB)?

The dividend yield of Embassy Bancorp Inc is 2.6% (payout 27.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Embassy Bancorp Inc (EMYB)?

The net margin of Embassy Bancorp Inc is 31.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Embassy Bancorp Inc (EMYB)?

The return on equity (ROE) of Embassy Bancorp Inc is 12.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Embassy Bancorp Inc (EMYB)?

On an EBIT basis the return on assets of Embassy Bancorp Inc is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Embassy Bancorp Inc (EMYB)?

The operating margin of Embassy Bancorp Inc is 43.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Embassy Bancorp Inc (EMYB)?

Revenue at Embassy Bancorp Inc is growing +10.8% versus a year earlier (3y avg −1.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Embassy Bancorp Inc (EMYB)?

Earnings per share at Embassy Bancorp Inc are growing +23.7% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Embassy Bancorp Inc (EMYB) generate?

The free cash flow of Embassy Bancorp Inc is $12.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Embassy Bancorp Inc (EMYB) carry?

The net debt of Embassy Bancorp Inc is $26.4M (fiscal year 2018, ≈ 2.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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