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EMYB (Embassy Bancorp Inc) Stock Analysis
Buy, Hold or Sell?

Let's analyze Embassy Bancorp Inc together

I guess you are interested in Embassy Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Embassy Bancorp Inc’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Embassy Bancorp Inc’s Price Targets

I'm going to help you getting a better view of Embassy Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Embassy Bancorp Inc (30 sec.)










1.2. What can you expect buying and holding a share of Embassy Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
65.0%

What is your share worth?

Current worth
$14.71
Expected worth in 1 year
$15.84
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
$1.13
Return On Investment
7.3%

For what price can you sell your share?

Current Price per Share
$15.52
Expected price per share
$15.75 - $16.40
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Embassy Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)
$15.52
Intrinsic Value Per Share
$0.23 - $18.99
Total Value Per Share
$14.94 - $33.70

2.2. Growth of Embassy Bancorp Inc (5 min.)




Is Embassy Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$112.4m$97.5m$11.4m10.5%

How much money is Embassy Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$2.6m$2.8m-$153.5k-5.7%
Net Profit Margin26.9%29.0%--

How much money comes from the company's main activities?

2.3. Financial Health of Embassy Bancorp Inc (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Embassy Bancorp Inc?

Welcome investor! Embassy Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Embassy Bancorp Inc.

First you should know what it really means to hold a share of Embassy Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Embassy Bancorp Inc is $15.52. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Embassy Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Embassy Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $14.71. Based on the TTM, the Book Value Change Per Share is $0.28 per quarter. Based on the YOY, the Book Value Change Per Share is $0.27 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Embassy Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.382.4%0.352.3%0.372.4%0.432.8%0.463.0%0.372.4%
Usd Book Value Change Per Share0.785.0%0.281.8%0.271.7%0.100.7%0.060.4%0.161.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.060.4%0.151.0%0.140.9%
Usd Total Gains Per Share0.785.0%0.281.8%0.271.7%0.161.0%0.211.4%0.301.9%
Usd Price Per Share15.71-15.35-14.62-16.23-16.49-15.26-
Price to Earnings Ratio10.40-10.87-9.82-9.69-9.08-10.95-
Price-to-Total Gains Ratio20.16--18.25--63.04--27.13--7.65-21.55-
Price to Book Ratio1.07-1.08-1.16-1.30-1.24-1.28-
Price-to-Total Gains Ratio20.16--18.25--63.04--27.13--7.65-21.55-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share15.52
Number of shares64
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.15
Usd Book Value Change Per Share0.280.06
Usd Total Gains Per Share0.280.21
Gains per Quarter (64 shares)18.1113.53
Gains per Year (64 shares)72.4454.14
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
107262381644
20145134773298
3021720611547152
4029027815363206
5036235019279260
6043542223095314
70507494268111368
80580566306127422
90652638345142476
100724710383158530

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%61.00.00.0100.0%
Book Value Change Per Share2.02.00.050.0%5.07.00.041.7%12.08.00.060.0%32.08.00.080.0%51.010.00.083.6%
Dividend per Share0.00.04.00.0%2.00.010.016.7%10.00.010.050.0%26.00.014.065.0%36.00.025.059.0%
Total Gains per Share2.02.00.050.0%5.07.00.041.7%12.08.00.060.0%32.08.00.080.0%51.010.00.083.6%
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3.2. Key Performance Indicators

The key performance indicators of Embassy Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.7790.283+175%0.267+192%0.103+653%0.062+1160%0.160+387%
Book Value Per Share--14.70914.260+3%12.758+15%12.786+15%13.559+8%12.068+22%
Current Ratio----0%0.012-100%0.024-100%0.078-100%0.098-100%
Debt To Asset Ratio--0.9360.9370%0.941-1%0.942-1%0.935+0%0.927+1%
Debt To Equity Ratio--14.60014.829-2%16.219-10%16.368-11%14.762-1%13.033+12%
Dividend Per Share----0%-0%0.058-100%0.150-100%0.137-100%
Enterprise Value---1521508529.180-1496280163.845-2%-1438846173.200-5%-1420077075.882-7%-1266685291.549-17%-978498279.360-36%
Eps--0.3780.353+7%0.373+1%0.430-12%0.463-18%0.373+1%
Ev To Sales Ratio---36.638-37.353+2%-36.679+0%-33.940-7%-29.975-18%-25.875-29%
Free Cash Flow Per Share--0.3410.336+1%0.450-24%0.488-30%0.482-29%0.489-30%
Free Cash Flow To Equity Per Share--6.2543.244+93%-0.206+103%1.469+326%3.965+58%4.441+41%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--18.990----------
Intrinsic Value_10Y_min--0.232----------
Intrinsic Value_1Y_max--1.953----------
Intrinsic Value_1Y_min--1.633----------
Intrinsic Value_3Y_max--5.829----------
Intrinsic Value_3Y_min--3.542----------
Intrinsic Value_5Y_max--9.660----------
Intrinsic Value_5Y_min--3.939----------
Market Cap118637052.800-1%120089470.820117299336.155+2%111757326.800+7%124026174.118-3%126067158.451-5%116674420.641+3%
Net Profit Margin--0.2780.269+3%0.290-4%0.306-9%0.329-16%0.292-5%
Operating Margin----0%0.088-100%0.179-100%0.286-100%0.287-100%
Operating Ratio----0%0.162-100%0.238-100%0.360-100%0.514-100%
Pb Ratio1.055-1%1.0681.076-1%1.157-8%1.301-18%1.239-14%1.283-17%
Pe Ratio10.273-1%10.39910.866-4%9.822+6%9.689+7%9.082+15%10.951-5%
Price Per Share15.520-1%15.71015.345+2%14.620+7%16.225-3%16.492-5%15.263+3%
Price To Free Cash Flow Ratio11.381-1%11.52034.171-66%10.030+15%17.278-33%13.996-18%11.5520%
Price To Total Gains Ratio19.916-1%20.159-18.252+191%-63.044+413%-27.135+235%-7.647+138%21.554-6%
Quick Ratio----0%0.063-100%0.110-100%0.198-100%0.214-100%
Return On Assets--0.0020.002+5%0.002-4%0.002-16%0.002-26%0.002-25%
Return On Equity--0.0260.025+4%0.030-13%0.035-27%0.035-26%0.031-17%
Total Gains Per Share--0.7790.283+175%0.267+192%0.161+384%0.211+269%0.297+162%
Usd Book Value--112437000.000109007750.000+3%97522250.000+15%97735500.000+15%103644800.000+8%92247375.000+22%
Usd Book Value Change Per Share--0.7790.283+175%0.267+192%0.103+653%0.062+1160%0.160+387%
Usd Book Value Per Share--14.70914.260+3%12.758+15%12.786+15%13.559+8%12.068+22%
Usd Dividend Per Share----0%-0%0.058-100%0.150-100%0.137-100%
Usd Enterprise Value---1521508529.180-1496280163.845-2%-1438846173.200-5%-1420077075.882-7%-1266685291.549-17%-978498279.360-36%
Usd Eps--0.3780.353+7%0.373+1%0.430-12%0.463-18%0.373+1%
Usd Free Cash Flow--2606000.0002569750.000+1%3439000.000-24%3726583.333-30%3681900.000-29%3741775.000-30%
Usd Free Cash Flow Per Share--0.3410.336+1%0.450-24%0.488-30%0.482-29%0.489-30%
Usd Free Cash Flow To Equity Per Share--6.2543.244+93%-0.206+103%1.469+326%3.965+58%4.441+41%
Usd Market Cap118637052.800-1%120089470.820117299336.155+2%111757326.800+7%124026174.118-3%126067158.451-5%116674420.641+3%
Usd Price Per Share15.520-1%15.71015.345+2%14.620+7%16.225-3%16.492-5%15.263+3%
Usd Profit--2887000.0002697750.000+7%2851250.000+1%3290333.333-12%3541200.000-18%2853875.000+1%
Usd Revenue--10382000.00010026000.000+4%9833750.000+6%10601166.667-2%10668150.000-3%9163900.000+13%
Usd Total Gains Per Share--0.7790.283+175%0.267+192%0.161+384%0.211+269%0.297+162%
 EOD+4 -4MRQTTM+29 -3YOY+22 -143Y+16 -225Y+15 -2310Y+20 -18

3.3 Fundamental Score

Let's check the fundamental score of Embassy Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.273
Price to Book Ratio (EOD)Between0-11.055
Net Profit Margin (MRQ)Greater than00.278
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.936
Debt to Equity Ratio (MRQ)Less than114.600
Return on Equity (MRQ)Greater than0.150.026
Return on Assets (MRQ)Greater than0.050.002
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Embassy Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5041.882
Ma 20Greater thanMa 5015.848
Ma 50Greater thanMa 10015.356
Ma 100Greater thanMa 20015.499
OpenGreater thanClose15.770
Total2/5 (40.0%)

4. In-depth Analysis

4.1 About Embassy Bancorp Inc

Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides various banking and related financial products and services to individual, business, and government customers in Pennsylvania. The company offers time, savings, money market, and demand deposits; checking, individual retirement, and NOW accounts; and certificates of deposit. It also provides loans, such as secured fixed and variable rate loans; commercial lending; consumer lending, including mortgage loans, first time home buyer mortgages, secured home equity loans, lines of credit, auto loans, and unsecured personal loans; residential mortgage loans; and commercial mortgage/construction loans. In addition, the company offers various other services, such as ACH origination, bank by mail, cash management, credit/debit card merchant processing, escrow management, fraud detection, night depository, person to person payment, personal financial management, positive pay, remote deposit capture, saving bond redemption, wire transfer, and direct deposit/ACH services. Further, it provides automated teller machines; treasurer and certified checks; ATM and debit cards; safe deposit boxes; commercial and consumer credit cards; and gift cards, as well as mobile and online banking, and bill pay services. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.

Fundamental data was last updated by Penke on 2025-06-29 05:12:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is fair priced.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Embassy Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 27.8%Β means thatΒ $0.28 for each $1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Embassy Bancorp Inc:

  • The MRQ is 27.8%. The company is making a huge profit. +2
  • The TTM is 26.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ27.8%TTM26.9%+0.9%
TTM26.9%YOY29.0%-2.1%
TTM26.9%5Y32.9%-6.0%
5Y32.9%10Y29.2%+3.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ27.8%41.9%-14.1%
TTM26.9%31.1%-4.2%
YOY29.0%29.6%-0.6%
3Y30.6%29.0%+1.6%
5Y32.9%25.7%+7.2%
10Y29.2%22.1%+7.1%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Embassy Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • 0.2% Return on Assets means thatΒ Embassy Bancorp Inc generatedΒ $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Embassy Bancorp Inc:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%+0.0%
TTM0.2%YOY0.2%0.0%
TTM0.2%5Y0.2%-0.1%
5Y0.2%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.2%0.0%
TTM0.2%0.2%0.0%
YOY0.2%0.2%0.0%
3Y0.2%0.2%0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%+0.0%
4.3.1.3. Return on Equity

Shows how efficient Embassy Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • 2.6% Return on Equity means Embassy Bancorp Inc generated $0.03Β for eachΒ $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Embassy Bancorp Inc:

  • The MRQ is 2.6%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.5%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.6%TTM2.5%+0.1%
TTM2.5%YOY3.0%-0.5%
TTM2.5%5Y3.5%-1.0%
5Y3.5%10Y3.1%+0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.6%2.8%-0.2%
TTM2.5%2.2%+0.3%
YOY3.0%2.6%+0.4%
3Y3.5%2.5%+1.0%
5Y3.5%2.4%+1.1%
10Y3.1%2.6%+0.5%
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4.3.2. Operating Efficiency of Embassy Bancorp Inc.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Embassy Bancorp Inc is operatingΒ .

  • Measures how much profit Embassy Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated $0.00 Β for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Embassy Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY8.8%-8.8%
TTM-5Y28.6%-28.6%
5Y28.6%10Y28.7%0.0%
4.3.2.2. Operating Ratio

Measures how efficient Embassy Bancorp Inc is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.162-0.162
TTM-5Y0.360-0.360
5Y0.36010Y0.514-0.153
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4.4.3. Liquidity of Embassy Bancorp Inc.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Embassy Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 0.00Β means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.012-0.012
TTM-5Y0.078-0.078
5Y0.07810Y0.098-0.020
4.4.3.2. Quick Ratio

Measures if Embassy Bancorp Inc is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 0.00Β means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.063-0.063
TTM-5Y0.198-0.198
5Y0.19810Y0.214-0.016
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4.5.4. Solvency of Embassy Bancorp Inc.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of Embassy Bancorp IncΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Embassy Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94Β means that Embassy Bancorp Inc assets areΒ financed with 93.6% credit (debt) and the remaining percentage (100% - 93.6%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 0.936. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.937. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.936TTM0.937-0.001
TTM0.937YOY0.941-0.005
TTM0.9375Y0.935+0.002
5Y0.93510Y0.927+0.008
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9360.912+0.024
TTM0.9370.914+0.023
YOY0.9410.331+0.610
3Y0.9420.655+0.287
5Y0.9350.761+0.174
10Y0.9270.845+0.082
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Embassy Bancorp Inc is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,460.0% means that company has $14.60 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Embassy Bancorp Inc:

  • The MRQ is 14.600. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.829. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ14.600TTM14.829-0.229
TTM14.829YOY16.219-1.390
TTM14.8295Y14.762+0.067
5Y14.76210Y13.033+1.729
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ14.60010.416+4.184
TTM14.82910.683+4.146
YOY16.2194.228+11.991
3Y16.3687.922+8.446
5Y14.7629.283+5.479
10Y13.03311.348+1.685
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every $1 in earnings Embassy Bancorp Inc generates.

  • Above 15 is considered overpriced butΒ always compareΒ Embassy Bancorp Inc to theΒ Banks - Regional industry mean.
  • A PE ratio of 10.40 means the investor is paying $10.40Β for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Embassy Bancorp Inc:

  • The EOD is 10.273. Based on the earnings, the company is underpriced. +1
  • The MRQ is 10.399. Based on the earnings, the company is underpriced. +1
  • The TTM is 10.866. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD10.273MRQ10.399-0.126
MRQ10.399TTM10.866-0.467
TTM10.866YOY9.822+1.043
TTM10.8665Y9.082+1.784
5Y9.08210Y10.951-1.869
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD10.2734.240+6.033
MRQ10.3993.875+6.524
TTM10.8666.132+4.734
YOY9.8224.741+5.081
3Y9.6895.925+3.764
5Y9.0828.400+0.682
10Y10.9519.118+1.833
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Embassy Bancorp Inc:

  • The EOD is 11.381. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 11.520. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 34.171. Based on how much money comes from the company's main activities, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD11.381MRQ11.520-0.139
MRQ11.520TTM34.171-22.651
TTM34.171YOY10.030+24.141
TTM34.1715Y13.996+20.176
5Y13.99610Y11.552+2.444
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD11.3810.368+11.013
MRQ11.5200.336+11.184
TTM34.1710.632+33.539
YOY10.030-1.072+11.102
3Y17.2782.007+15.271
5Y13.9960.284+13.712
10Y11.5520.095+11.457
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Embassy Bancorp Inc is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.07 means the investor is paying $1.07Β for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Embassy Bancorp Inc:

  • The EOD is 1.055. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.068. Based on the equity, the company is underpriced. +1
  • The TTM is 1.076. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.055MRQ1.068-0.013
MRQ1.068TTM1.076-0.008
TTM1.076YOY1.157-0.081
TTM1.0765Y1.239-0.163
5Y1.23910Y1.283-0.044
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0550.472+0.583
MRQ1.0680.432+0.636
TTM1.0760.446+0.630
YOY1.1570.149+1.008
3Y1.3010.355+0.946
5Y1.2390.578+0.661
10Y1.2830.801+0.482
4.6.2. Total Gains per Share

2.4. Latest News of Embassy Bancorp Inc

Does Embassy Bancorp Inc still have the same value as the quarterly reports suggest? Recent changes may be an indication that the value of the company is changing. Read the news from Embassy Bancorp Inc to keep up to date. Note: the news is often already included in the price.

DateTitleRead
2025-06-18
23:19
Embassy Bancorp increases dividend by ~14% to $0.48Read
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in USD. All numbers in thousands.

Summary
Total Assets1,754,035
Total Liabilities1,641,598
Total Stockholder Equity112,437
 As reported
Total Liabilities 1,641,598
Total Stockholder Equity+ 112,437
Total Assets = 1,754,035

Assets

Total Assets1,754,035
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 96,903
Short-term Investments 190,811
Net Receivables 3,825
Total Current Assets  (as reported)0
Total Current Assets  (calculated)291,539
+/- 291,539
Long-term Assets
Property Plant Equipment 3,140
Long Term Investments 190,811
Long-term Assets  (as reported)0
Long-term Assets  (calculated)193,951
+/- 193,951

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity112,437
Total Current Liabilities
Accounts payable 6,851
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)6,851
+/- 6,851
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 126,146
Total Stockholder Equity (as reported)112,437
Total Stockholder Equity (calculated)126,146
+/- 13,709
Other
Capital Stock7,811
Common Stock Shares Outstanding 7,644



6.2. Balance Sheets Structured

Currency in USD. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-31
> Total Assets 
476,033
492,172
512,101
513,884
519,349
524,481
537,305
575,480
616,843
621,998
644,780
643,009
636,031
644,889
661,400
670,835
702,716
701,468
717,246
719,094
740,838
773,064
799,569
804,038
852,968
860,774
889,314
924,233
963,208
974,909
989,272
996,966
1,020,781
1,065,718
1,076,797
1,099,387
1,122,676
1,134,460
1,161,448
1,176,119
1,194,361
1,368,686
1,364,929
1,442,030
1,465,611
1,515,450
1,566,120
1,633,194
1,640,460
1,652,644
1,615,980
1,640,227
1,657,852
1,681,820
1,675,980
1,656,496
1,652,947
1,716,700
1,715,194
1,704,420
1,754,035
1,754,0351,704,4201,715,1941,716,7001,652,9471,656,4961,675,9801,681,8201,657,8521,640,2271,615,9801,652,6441,640,4601,633,1941,566,1201,515,4501,465,6111,442,0301,364,9291,368,6861,194,3611,176,1191,161,4481,134,4601,122,6761,099,3871,076,7971,065,7181,020,781996,966989,272974,909963,208924,233889,314860,774852,968804,038799,569773,064740,838719,094717,246701,468702,716670,835661,400644,889636,031643,009644,780621,998616,843575,480537,305524,481519,349513,884512,101492,172476,033
   > Total Current Assets 
0
0
0
0
0
119,136
113,330
0
0
0
0
0
0
0
0
90,652
0
0
108,652
95,186
0
100,821
98,909
98,416
127,663
115,696
120,336
111,565
138,850
132,113
138,049
125,813
121,032
126,178
123,551
29,889
125,018
40,965
50,006
42,034
45,927
100,635
211,581
265,983
287,312
333,267
133,477
172,295
152,983
135,614
74,986
70,221
78,128
77,598
0
0
0
0
0
0
0
000000077,59878,12870,22174,986135,614152,983172,295133,477333,267287,312265,983211,581100,63545,92742,03450,00640,965125,01829,889123,551126,178121,032125,813138,049132,113138,850111,565120,336115,696127,66398,41698,909100,821095,186108,6520090,65200000000113,330119,13600000
       Cash And Cash Equivalents 
0
0
0
0
0
29,482
23,086
0
0
0
0
0
0
0
0
17,831
0
0
26,304
16,390
0
15,456
17,601
19,526
50,758
24,125
28,695
24,218
41,748
38,405
39,820
33,534
25,201
32,147
34,311
14,276
37,411
37,756
46,971
38,986
42,189
96,681
86,699
131,907
120,114
110,151
130,725
169,692
150,269
132,886
72,199
67,295
75,110
74,740
77,245
77,923
58,509
134,886
90,907
95,522
96,903
96,90395,52290,907134,88658,50977,92377,24574,74075,11067,29572,199132,886150,269169,692130,725110,151120,114131,90786,69996,68142,18938,98646,97137,75637,41114,27634,31132,14725,20133,53439,82038,40541,74824,21828,69524,12550,75819,52617,60115,456016,39026,3040017,8310000000023,08629,48200000
       Short-term Investments 
0
0
0
0
0
88,049
88,626
0
0
0
0
0
0
0
0
71,288
0
0
80,799
77,197
0
83,727
79,655
77,253
75,214
89,879
90,037
85,598
95,292
91,916
96,396
90,296
93,924
92,036
87,130
0
85,354
90,058
95,892
90,829
87,860
136,388
121,646
130,940
164,084
220,304
264,199
310,264
342,117
324,876
311,890
316,992
320,060
315,239
295,022
276,060
266,158
258,812
308,057
47,198
190,811
190,81147,198308,057258,812266,158276,060295,022315,239320,060316,992311,890324,876342,117310,264264,199220,304164,084130,940121,646136,38887,86090,82995,89290,05885,354087,13092,03693,92490,29696,39691,91695,29285,59890,03789,87975,21477,25379,65583,727077,19780,7990071,2880000000088,62688,04900000
       Net Receivables 
0
0
0
0
0
1,605
1,618
0
0
0
0
0
0
0
0
1,533
0
0
1,549
1,599
0
1,638
1,653
1,637
1,691
1,692
1,604
1,749
1,810
1,792
1,833
1,983
1,907
1,995
2,110
0
2,253
2,209
2,035
2,048
2,079
2,954
3,236
3,136
3,114
2,812
2,752
2,603
2,714
2,728
2,787
2,926
3,018
2,858
3,257
3,298
3,460
3,413
3,457
3,604
3,825
3,8253,6043,4573,4133,4603,2983,2572,8583,0182,9262,7872,7282,7142,6032,7522,8123,1143,1363,2362,9542,0792,0482,0352,2092,25302,1101,9951,9071,9831,8331,7921,8101,7491,6041,6921,6911,6371,6531,63801,5991,549001,533000000001,6181,60500000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,810
1,792
1,833
12,683
1,907
1,995
2,110
15,478
2,253
2,209
2,035
17,648
2,738
2,954
3,236
3,136
3,114
2,812
1,125,962
2,603
2,714
2,728
1,172,893
2,926
3,018
2,858
0
0
0
0
0
0
0
00000002,8583,0182,9261,172,8932,7282,7142,6031,125,9622,8123,1143,1363,2362,9542,73817,6482,0352,2092,25315,4782,1101,9951,90712,6831,8331,7921,8100000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
405,345
423,975
0
0
0
0
0
0
0
0
580,183
0
0
608,594
623,908
0
672,243
700,660
705,622
725,305
745,078
768,978
812,668
824,358
842,796
851,223
871,153
899,749
939,540
953,246
0
997,658
1,003,437
1,015,550
1,043,256
1,061,233
1,131,663
1,153,348
1,176,047
1,178,299
1,182,183
1,432,643
1,460,899
1,487,477
1,517,030
1,540,994
1,570,006
1,579,724
1,604,222
0
0
0
0
0
0
0
00000001,604,2221,579,7241,570,0061,540,9941,517,0301,487,4771,460,8991,432,6431,182,1831,178,2991,176,0471,153,3481,131,6631,061,2331,043,2561,015,5501,003,437997,6580953,246939,540899,749871,153851,223842,796824,358812,668768,978745,078725,305705,622700,660672,2430623,908608,59400580,18300000000423,975405,34500000
       Property Plant Equipment 
2,580
2,622
2,507
2,398
2,324
2,173
2,080
2,095
2,252
2,218
2,122
2,095
1,975
1,927
1,829
2,541
1,785
1,624
2,396
2,621
1,396
2,692
2,867
3,482
3,015
2,813
2,702
2,589
2,526
2,503
2,364
2,387
2,271
2,169
2,396
2,174
2,068
12,284
11,964
11,723
11,420
2,678
3,030
3,346
3,195
3,345
3,887
3,994
3,972
3,949
3,978
3,843
3,715
3,836
3,779
3,734
3,739
3,526
3,411
3,322
3,140
3,1403,3223,4113,5263,7393,7343,7793,8363,7153,8433,9783,9493,9723,9943,8873,3453,1953,3463,0302,67811,42011,72311,96412,2842,0682,1742,3962,1692,2712,3872,3642,5032,5262,5892,7022,8133,0153,4822,8672,6921,3962,6212,3961,6241,7852,5411,8291,9271,9752,0952,1222,2182,2522,0952,0802,1732,3242,3982,5072,6222,580
       Long Term Investments 
0
0
0
0
0
388,792
407,722
0
0
0
0
0
0
0
0
563,257
0
0
589,142
604,967
0
651,066
679,065
684,047
705,181
725,299
749,945
792,598
804,669
822,562
831,179
851,711
879,559
917,776
924,161
90,748
960,407
90,058
95,892
90,829
87,860
136,388
1,048,885
1,079,339
1,087,757
1,096,093
1,371,195
1,406,819
1,434,902
1,459,431
1,481,706
1,513,156
1,524,986
1,545,933
295,022
276,060
266,158
258,812
308,057
280,828
190,811
190,811280,828308,057258,812266,158276,060295,0221,545,9331,524,9861,513,1561,481,7061,459,4311,434,9021,406,8191,371,1951,096,0931,087,7571,079,3391,048,885136,38887,86090,82995,89290,058960,40790,748924,161917,776879,559851,711831,179822,562804,669792,598749,945725,299705,181684,047679,065651,0660604,967589,14200563,25700000000407,722388,79200000
       Long-term Assets Other 
0
0
0
0
0
14,380
14,173
0
0
0
0
0
0
0
0
14,385
0
0
17,056
16,320
0
18,485
18,728
18,093
17,109
16,966
16,331
17,481
17,163
17,731
17,680
17,055
17,919
19,595
26,689
0
35,183
34,759
34,489
35,016
34,321
99,555
101,433
93,362
87,347
82,745
57,561
50,086
48,603
53,650
55,310
53,007
51,023
54,453
0
0
0
0
0
0
0
000000054,45351,02353,00755,31053,65048,60350,08657,56182,74587,34793,362101,43399,55534,32135,01634,48934,75935,183026,68919,59517,91917,05517,68017,73117,16317,48116,33116,96617,10918,09318,72818,485016,32017,0560014,3850000000014,17314,38000000
> Total Liabilities 
441,163
456,556
474,595
477,155
481,008
484,272
494,842
531,147
571,214
575,212
596,039
592,982
584,796
594,357
609,225
616,780
646,825
643,968
657,768
657,762
677,322
709,168
733,307
735,937
782,892
789,568
816,339
850,955
887,598
897,750
909,748
917,197
939,734
983,660
992,416
1,012,162
1,031,074
1,040,868
1,064,808
1,076,504
1,091,378
1,263,795
1,256,591
1,329,856
1,351,580
1,399,569
1,446,830
1,510,679
1,537,510
1,565,795
1,540,025
1,551,951
1,562,226
1,586,789
1,590,362
1,550,841
1,549,162
1,614,080
1,600,700
1,597,940
1,641,598
1,641,5981,597,9401,600,7001,614,0801,549,1621,550,8411,590,3621,586,7891,562,2261,551,9511,540,0251,565,7951,537,5101,510,6791,446,8301,399,5691,351,5801,329,8561,256,5911,263,7951,091,3781,076,5041,064,8081,040,8681,031,0741,012,162992,416983,660939,734917,197909,748897,750887,598850,955816,339789,568782,892735,937733,307709,168677,322657,762657,768643,968646,825616,780609,225594,357584,796592,982596,039575,212571,214531,147494,842484,272481,008477,155474,595456,556441,163
   > Total Current Liabilities 
0
0
0
0
0
432,266
449,335
0
0
0
0
0
0
0
0
579,272
0
0
621,192
621,017
0
663,869
690,877
700,034
752,675
775,165
802,477
834,197
870,916
881,951
893,992
901,728
916,698
959,234
968,293
1,006,082
1,003,455
1,022,470
1,047,992
1,062,174
1,061,843
1,168,803
1,151,120
1,234,019
1,306,677
1,349,129
1,401,355
1,467,677
1,507,236
1,533,139
1,507,584
1,522,093
1,534,352
1,556,714
0
0
0
0
0
0
0
00000001,556,7141,534,3521,522,0931,507,5841,533,1391,507,2361,467,6771,401,3551,349,1291,306,6771,234,0191,151,1201,168,8031,061,8431,062,1741,047,9921,022,4701,003,4551,006,082968,293959,234916,698901,728893,992881,951870,916834,197802,477775,165752,675700,034690,877663,8690621,017621,19200579,27200000000449,335432,26600000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,000
0
0
15,625
9,000
0
44,440
56,420
39,306
0
0
0
11,889
11,780
9,448
10,195
9,999
1,950
28,740
50,921
0
0
0
0
18,067
0
0
0
0
0
0
0
0
0
0
0
0
0
46,875
0
0
0
0
0
0
0
000000046,875000000000000018,067000050,92128,7401,9509,99910,1959,44811,78011,88900039,30656,42044,44009,00015,6250010,000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,889
11,780
9,448
10,195
9,999
19,376
45,869
0
0
0
0
0
18,067
0
62,039
62,039
50,794
0
0
0
0
0
0
0
0
0
46,875
82,542
35,000
0
0
21,875
15,625
0
015,62521,8750035,00082,54246,87500000000050,79462,03962,039018,0670000045,86919,3769,99910,1959,44811,78011,889000000000000000000000000000
       Accounts payable 
387,695
406,062
411,525
415,267
426,371
643
652
481,775
525,894
535,109
543,407
553,020
542,039
544,751
558,623
235
609,174
606,300
380
349
609,449
337
430
462
586
671
718
813
726
730
781
874
793
906
1,296
931,515
2,305
2,233
2,812
1,031,968
1,048,134
1,155,874
1,670
1,640
1,069
753
665
652
625
474
517
986
2,388
4,809
7,332
7,844
6,405
7,783
8,126
7,812
6,851
6,8517,8128,1267,7836,4057,8447,3324,8092,3889865174746256526657531,0691,6401,6701,155,8741,048,1341,031,9682,8122,2332,305931,5151,296906793874781730726813718671586462430337609,449349380606,300609,174235558,623544,751542,039553,020543,407535,109525,894481,775652643426,371415,267411,525406,062387,695
       Other Current Liabilities 
0
0
0
0
0
431,623
448,683
0
0
0
0
0
0
0
0
569,037
0
0
605,187
611,668
0
619,092
634,027
660,266
752,089
774,494
801,759
833,384
870,190
881,221
893,211
900,854
913,955
929,588
916,076
0
1,001,150
1,011,340
1,035,033
1,031,968
1,048,134
1,155,874
1,149,450
1,232,379
1,305,608
1,348,376
1,400,690
1,467,025
1,506,611
1,532,665
1,507,067
1,521,107
1,531,964
1,505,030
0
0
0
0
0
0
0
00000001,505,0301,531,9641,521,1071,507,0671,532,6651,506,6111,467,0251,400,6901,348,3761,305,6081,232,3791,149,4501,155,8741,048,1341,031,9681,035,0331,011,3401,001,1500916,076929,588913,955900,854893,211881,221870,190833,384801,759774,494752,089660,266634,027619,0920611,668605,18700569,03700000000448,683431,62300000
   > Long-term Liabilities 
0
0
0
0
0
52,006
45,507
0
0
0
0
0
0
0
0
37,508
0
0
36,576
36,745
0
45,299
42,430
35,903
30,217
14,403
13,862
16,758
16,682
15,799
15,756
15,469
23,036
24,426
24,123
0
27,619
27,295
26,963
23,188
41,159
106,228
105,471
95,837
44,903
50,440
45,475
43,002
30,274
32,656
32,441
29,858
27,874
30,075
0
0
0
0
0
0
0
000000030,07527,87429,85832,44132,65630,27443,00245,47550,44044,90395,837105,471106,22841,15923,18826,96327,29527,619024,12324,42623,03615,46915,75615,79916,68216,75813,86214,40330,21735,90342,43045,299036,74536,5760037,5080000000045,50752,00600000
       Long term Debt Total 
0
0
0
0
0
13,486
13,286
0
0
0
0
0
0
0
0
3,900
0
0
2,650
1,900
0
6,355
5,038
3,820
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,651
14,651
14,651
14,651
14,651
14,651
14,651
14,651
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000014,65114,65114,65114,65114,65114,65114,65114,65100000000000000003,8205,0386,35501,9002,650003,9000000000013,28613,48600000
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-10,000
0
0
-15,625
-9,000
0
-44,440
-56,420
-39,306
0
0
0
-11,889
-11,780
-9,448
-10,195
-9,999
-1,950
-28,740
-50,921
0
10,694
10,379
10,049
-18,067
0
0
0
0
0
0
0
0
0
0
0
0
0
-46,875
0
0
0
0
0
0
0
0000000-46,8750000000000000-18,06710,04910,37910,6940-50,921-28,740-1,950-9,999-10,195-9,448-11,780-11,889000-39,306-56,420-44,4400-9,000-15,62500-10,000000000000000000
       Long-term Liabilities Other 
0
0
0
0
0
38,520
32,221
0
0
0
0
0
0
0
0
33,608
0
0
33,926
34,845
0
38,944
37,392
32,083
30,217
14,403
13,862
16,758
16,682
15,799
15,756
15,469
23,036
24,426
24,123
0
27,619
27,295
26,963
23,188
26,508
91,577
90,820
81,186
30,252
35,789
30,824
28,351
30,274
32,656
32,441
29,858
27,874
30,075
0
0
0
0
0
0
0
000000030,07527,87429,85832,44132,65630,27428,35130,82435,78930,25281,18690,82091,57726,50823,18826,96327,29527,619024,12324,42623,03615,46915,75615,79916,68216,75813,86214,40330,21732,08337,39238,944034,84533,9260033,6080000000032,22138,52000000
> Total Stockholder Equity
34,870
35,616
37,506
36,729
38,341
40,209
42,463
44,333
45,629
46,786
48,741
50,027
51,235
50,532
52,175
54,055
55,891
57,500
59,478
61,332
63,516
63,896
66,262
68,101
70,076
71,206
72,975
73,278
75,610
77,159
79,524
79,769
81,047
82,058
84,381
87,225
91,602
93,592
96,640
99,615
102,983
104,891
108,338
112,174
114,031
115,881
119,290
122,515
102,950
86,849
75,955
88,276
95,626
95,031
85,618
105,655
103,785
102,620
114,494
106,480
112,437
112,437106,480114,494102,620103,785105,65585,61895,03195,62688,27675,95586,849102,950122,515119,290115,881114,031112,174108,338104,891102,98399,61596,64093,59291,60287,22584,38182,05881,04779,76979,52477,15975,61073,27872,97571,20670,07668,10166,26263,89663,51661,33259,47857,50055,89154,05552,17550,53251,23550,02748,74146,78645,62944,33342,46340,20938,34136,72937,50635,61634,870
   Common Stock
6,941
7,042
7,055
7,157
7,157
7,166
7,171
7,171
7,180
7,182
7,230
7,239
7,248
7,248
7,302
7,324
7,334
7,334
7,348
7,358
7,367
7,367
7,384
7,408
7,413
7,413
7,433
7,453
7,459
7,459
7,475
7,492
7,499
7,500
7,513
7,530
7,541
7,542
7,543
7,544
7,577
7,578
7,580
7,637
7,650
7,651
7,652
7,688
7,699
7,700
7,701
7,740
7,755
7,756
0
0
0
0
0
0
0
00000007,7567,7557,7407,7017,7007,6997,6887,6527,6517,6507,6377,5807,5787,5777,5447,5437,5427,5417,5307,5137,5007,4997,4927,4757,4597,4597,4537,4337,4137,4137,4087,3847,3677,3677,3587,3487,3347,3347,3247,3027,2487,2487,2397,2307,1827,1807,1717,1717,1667,1577,1577,0557,0426,941
   Retained Earnings 
5,032
5,909
7,819
7,272
8,884
8,986
10,469
14,293
15,525
16,664
18,411
19,642
20,775
20,056
21,312
22,520
24,795
26,380
26,809
28,485
32,022
31,368
33,240
35,158
36,766
37,466
39,475
41,344
43,246
44,287
46,520
47,602
49,979
51,222
53,898
56,410
58,962
60,081
62,910
65,794
68,251
69,924
73,348
76,960
81,004
82,858
87,298
91,493
95,694
96,821
101,570
106,551
110,190
110,196
113,198
116,018
118,554
117,847
120,561
123,259
126,146
126,146123,259120,561117,847118,554116,018113,198110,196110,190106,551101,57096,82195,69491,49387,29882,85881,00476,96073,34869,92468,25165,79462,91060,08158,96256,41053,89851,22249,97947,60246,52044,28743,24641,34439,47537,46636,76635,15833,24031,36832,02228,48526,80926,38024,79522,52021,31220,05620,77519,64218,41116,66415,52514,29310,4698,9868,8847,2727,8195,9095,032
   Capital Surplus 
0
0
0
0
0
22,280
22,872
0
0
0
0
0
0
0
0
23,671
0
0
23,926
24,024
0
24,136
24,308
24,299
24,377
24,393
24,602
24,603
24,705
24,742
24,977
24,998
25,181
25,238
25,491
0
25,748
25,809
25,874
25,937
26,110
26,119
26,178
26,405
26,651
26,725
26,802
26,963
27,259
27,346
27,432
27,627
27,967
28,061
0
0
0
0
0
0
0
000000028,06127,96727,62727,43227,34627,25926,96326,80226,72526,65126,40526,17826,11926,11025,93725,87425,80925,748025,49125,23825,18124,99824,97724,74224,70524,60324,60224,39324,37724,29924,30824,136024,02423,9260023,6710000000022,87222,28000000
   Treasury Stock0000000-2,535-2,535-2,535-2,453-2,453-2,453-2,435-2,365-2,365-2,181-1,765-1,720-1,720-1,720-1,000-1,000-1,000-1,0000-342-342-342-342-195-195-98-98-980000000000000000-3-3-3-3-3-3-3-3-3-3
   Other Stockholders Equity 
0
0
0
0
0
1,780
1,954
0
0
0
0
0
0
0
0
540
0
0
1,395
1,465
0
1,025
1,330
1,236
1,520
1,934
1,563
-24
298
866
747
19
-1,270
-1,560
-2,179
-1,247
351
1,160
1,313
1,340
2,765
2,990
2,952
2,937
907
1,012
-97
-1,194
-25,249
-42,565
-58,295
-51,107
-47,751
-48,447
0
0
0
0
0
0
0
0000000-48,447-47,751-51,107-58,295-42,565-25,249-1,194-971,0129072,9372,9522,9902,7651,3401,3131,160351-1,247-2,179-1,560-1,27019747866298-241,5631,9341,5201,2361,3301,02501,4651,39500540000000001,9541,78000000



6.3. Balance Sheets

Currency in USD. All numbers in thousands.




6.4. Cash Flows

Currency in USD. All numbers in thousands.




6.5. Income Statements

Currency in USD. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in USD. All numbers in thousands.

Gross Profit (+$)
totalRevenue39,125
Cost of Revenue-0
Gross Profit039,125
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative15,967
Selling And Marketing Expenses0
Operating Expense015,967
 
Net Interest Income (+$)
Interest Income64,971
Interest Expense-28,787
Other Finance Cost-0
Net Interest Income36,184
 
Pretax Income (+$)
Operating Income0
Net Interest Income36,184
Other Non-Operating Income Expenses0
Income Before Tax (EBT)12,5090
EBIT - interestExpense = -28,787
10,440
39,227
Interest Expense28,787
Earnings Before Interest and Taxes (EBIT)041,296
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax12,509
Tax Provision-2,069
Net Income From Continuing Ops10,44010,440
Net Income10,440
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-36,184
 

Technical Analysis of Embassy Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Embassy Bancorp Inc. The general trend of Embassy Bancorp Inc is BULLISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Embassy Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (14.3%) Bearish trend (-14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Embassy Bancorp Inc Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Embassy Bancorp Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 16.40 < 16.40 < 16.40.

The bearish price targets are: 15.75 > 15.75 > 15.75.

Know someone who trades $EMYB? Share this with them.πŸ‘‡

Embassy Bancorp Inc Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Embassy Bancorp Inc. The current mas is .

The long score for the Moving Averages is 8/14.
The longshort score for the Moving Averages is 2/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Embassy Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Embassy Bancorp Inc. The current macd is 0.22304259.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Embassy Bancorp Inc price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Embassy Bancorp Inc. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Embassy Bancorp Inc price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Embassy Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartEmbassy Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Embassy Bancorp Inc. The current adx is 30.35.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -4/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Embassy Bancorp Inc shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bearish trend. The ADX is trending up, so the bearish trend is strengthening.
Embassy Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Embassy Bancorp Inc. The current sar is 16.38.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Embassy Bancorp Inc Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Embassy Bancorp Inc. The current rsi is 41.88. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
Embassy Bancorp Inc Daily Relative Strength Index (RSI) ChartEmbassy Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Embassy Bancorp Inc. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Embassy Bancorp Inc price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Embassy Bancorp Inc Daily Stochastic Oscillator ChartEmbassy Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Embassy Bancorp Inc. The current cci is -34.27970557.

Embassy Bancorp Inc Daily Commodity Channel Index (CCI) ChartEmbassy Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Embassy Bancorp Inc. The current cmo is -33.8145593.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Embassy Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartEmbassy Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Embassy Bancorp Inc. The current willr is -83.80952381.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Embassy Bancorp Inc Daily Williams %R ChartEmbassy Bancorp Inc Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of Embassy Bancorp Inc.

Embassy Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Embassy Bancorp Inc. The current atr is 0.26072686.

Embassy Bancorp Inc Daily Average True Range (ATR) ChartEmbassy Bancorp Inc Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Embassy Bancorp Inc. The current obv is 221,164.

Embassy Bancorp Inc Daily On-Balance Volume (OBV) ChartEmbassy Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Embassy Bancorp Inc. The current mfi is 76.51.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Embassy Bancorp Inc Daily Money Flow Index (MFI) ChartEmbassy Bancorp Inc Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Embassy Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-10RSI LONG ENTRY SHORT CLOSE30 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-11SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-02-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-20CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-03-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-11CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-13RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2025-03-17STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-21WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-24SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-01CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-04-09STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-11MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-04-14MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-04-15STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-16CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-24MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-04-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-29STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-05-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-12RSI LONG ENTRY SHORT CLOSE30 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-05-13STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-15STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-16STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-28CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-29WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-02STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-03RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-06-04CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-06-09MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-06-10STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-12CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-06-13BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-16STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-06-18DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-23STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-06-26DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-27DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-30RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-07-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).

6.3. Candlestick Patterns

Embassy Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Embassy Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5041.882
Ma 20Greater thanMa 5015.848
Ma 50Greater thanMa 10015.356
Ma 100Greater thanMa 20015.499
OpenGreater thanClose15.770
Total2/5 (40.0%)
Penke
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