Embassy Bancorp, Inc. (EMYB)
State Commercial Banks · Financial Services · $265M
Intrinsic Value (Consensus)
$39.17
Current Price
$35.80
Margin of Safety
+9.4%
9.4% Below Intrinsic Value
Value: $39
Price: $36
Valuation Model Estimates
Current Price: $35.80
DCF (Discounted Cash Flow)
$77.17
Graham Number
$26.32
Earnings Power Value
$17.38
Relative Value (P/E)
$35.80
Dividend Discount Model
$160.00
Consensus Value
$39.17
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $1.79
- EPS (Forward)
- $2.15
- Book Value
- $17.21
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.7%
- Debt/Equity
- 11%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 1.3%
- Beta
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance