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Embassy Bancorp, Inc (EMYB) Fair Value & Analysis

Financial Services · US · Market cap $161M

Price$21.97
Fair Value$24.02
Upside+9.3%
Quality95/100
Evidence: High Range $18.01 – $30.02

Fair value as of: Jun 26, 2026

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Analysis

Embassy Bancorp, Inc (EMYB) currently trades at $21.97, while our model-based Fair Value estimate is $24.02 — implying the stock looks roughly 9.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 pa…

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Frequently asked questions

Is Embassy Bancorp, Inc (EMYB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $24.02 versus a price of $21.97 — about +9% (undervalued). Model-based estimate, not financial advice.
What is the fair value of EMYB?
Our 21-model fair value for Embassy Bancorp, Inc is $24.02 (as of Jun 26, 2026), built from audited fundamentals. The current price is $21.97.
What is the quality score of EMYB?
Embassy Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.