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… Read more
Embassy Bancorp Inc (EMYB) - Net Assets
Latest net assets as of September 2025: $122.43 Million USD
Based on the latest financial reports, Embassy Bancorp Inc (EMYB) has net assets worth $122.43 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.78 Billion) and total liabilities ($1.66 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $122.43 Million |
| % of Total Assets | 6.89% |
| Annual Growth Rate | 7.9% |
| 5-Year Change | -5.08% |
| 10-Year Change | 56.36% |
| Growth Volatility | 11.22 |
Embassy Bancorp Inc - Net Assets Trend (2010–2024)
This chart illustrates how Embassy Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Embassy Bancorp Inc (2010–2024)
The table below shows the annual net assets of Embassy Bancorp Inc from 2010 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $106.48 Million | +0.78% |
| 2023-12-31 | $105.66 Million | +19.69% |
| 2022-12-31 | $88.28 Million | -27.95% |
| 2021-12-31 | $122.52 Million | +9.22% |
| 2020-12-31 | $112.17 Million | +12.61% |
| 2019-12-31 | $99.61 Million | +14.20% |
| 2018-12-31 | $87.22 Million | +9.35% |
| 2017-12-31 | $79.77 Million | +8.86% |
| 2016-12-31 | $73.28 Million | +7.60% |
| 2015-12-31 | $68.10 Million | +11.04% |
| 2014-12-31 | $61.33 Million | +13.46% |
| 2013-12-31 | $54.05 Million | +8.05% |
| 2012-12-31 | $50.03 Million | +12.84% |
| 2011-12-31 | $44.33 Million | +20.70% |
| 2010-12-31 | $36.73 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Embassy Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1595.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $123.26 Million | 115.76% |
| Total Equity | $106.48 Million | 100.00% |
Embassy Bancorp Inc Competitors by Market Cap
The table below lists competitors of Embassy Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Formosa Electronic Industries
TWO:8171
|
$71.18 Million |
|
Hup Seng Industries Bhd
KLSE:5024
|
$71.19 Million |
|
OPC Energy Ltd
TA:OPCE
|
$71.19 Million |
|
Koenig & Bauer AG
XETRA:SKB
|
$71.20 Million |
|
JOYCITY Corporation
KQ:067000
|
$71.15 Million |
|
Brighten Optix Corporation
TWO:6747
|
$71.13 Million |
|
AZKOYEN SA INH. EO 060
F:AKK
|
$71.12 Million |
|
B&C Speakers S.p.A
F:37B
|
$71.11 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Embassy Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 105,655,000 to 106,480,000, a change of 825,000 (0.8%).
- Net income of 10,440,000 contributed positively to equity growth.
- Dividend payments of 3,199,000 reduced retained earnings.
- Share repurchases of 72,000 reduced equity.
- Other factors decreased equity by 6,344,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $10.44 Million | +9.8% |
| Dividends Paid | $3.20 Million | -3.0% |
| Share Repurchases | $72.00K | -0.07% |
| Other Changes | $-6.34 Million | -5.96% |
| Total Change | $- | 0.78% |
Book Value vs Market Value Analysis
This analysis compares Embassy Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.09x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.06x to 1.09x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $7.38 | $15.24 | x |
| 2014-12-31 | $8.34 | $15.24 | x |
| 2015-12-31 | $9.19 | $15.24 | x |
| 2016-12-31 | $9.84 | $15.24 | x |
| 2017-12-31 | $10.71 | $15.24 | x |
| 2018-12-31 | $11.69 | $15.24 | x |
| 2019-12-31 | $13.32 | $15.24 | x |
| 2020-12-31 | $14.90 | $15.24 | x |
| 2021-12-31 | $16.24 | $15.24 | x |
| 2022-12-31 | $11.64 | $15.24 | x |
| 2023-12-31 | $13.91 | $15.24 | x |
| 2024-12-31 | $13.96 | $15.24 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Embassy Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.80%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.68%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 16.01x
- Recent ROE (9.80%) is below the historical average (11.71%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2010 | 12.69% | 18.13% | 0.05x | 13.99x | $989.10K |
| 2011 | 11.60% | 20.09% | 0.04x | 12.98x | $710.70K |
| 2012 | 11.48% | 21.27% | 0.04x | 12.85x | $740.30K |
| 2013 | 10.22% | 23.99% | 0.03x | 12.41x | $117.50K |
| 2014 | 10.44% | 25.39% | 0.04x | 11.72x | $271.80K |
| 2015 | 10.88% | 27.06% | 0.03x | 11.81x | $598.90K |
| 2016 | 9.75% | 25.51% | 0.03x | 12.61x | $-179.80K |
| 2017 | 9.15% | 23.36% | 0.03x | 12.50x | $-676.90K |
| 2018 | 11.56% | 29.41% | 0.03x | 12.60x | $1.36 Million |
| 2019 | 10.92% | 30.52% | 0.03x | 11.81x | $917.50K |
| 2020 | 11.42% | 33.85% | 0.03x | 12.86x | $1.59 Million |
| 2021 | 13.70% | 37.32% | 0.03x | 13.33x | $4.53 Million |
| 2022 | 20.05% | 37.09% | 0.03x | 18.58x | $8.87 Million |
| 2023 | 11.98% | 30.53% | 0.03x | 15.68x | $2.09 Million |
| 2024 | 9.80% | 26.68% | 0.02x | 16.01x | $-208.00K |
Industry Comparison
This section compares Embassy Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Embassy Bancorp Inc (EMYB) | $122.43 Million | 12.69% | 13.52x | $71.17 Million |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |