Embassy Bancorp, Inc. (EMYB)
State Commercial Banks · Financial Services · $159M
Intrinsic Value (Consensus)
$39.17
Current Price
$21.47
Margin of Safety
+82.4%
82.4% Below Intrinsic Value
Value: $39
Price: $21
Valuation Model Estimates
Current Price: $21.47
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%.
Health Score
B
74
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
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
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance