Stock fact sheet · data as of
Embassy Bancorp, Inc. (EMYB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is EMYB undervalued?
Embassy Bancorp, Inc. (EMYB) closed at 21.34 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 38.11, which puts the price 44% below it. 6 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between GLS Growth (1.26) and DCF (157.80). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files EMYB under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for EMYB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 157.80 | +639% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 27.54 | +29% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 32.31 | +51% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 8.01 | -62% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.26 | -94% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 49.96 | +134% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 35.74 | +67% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.09 | -62% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 22.25 | +4% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -4.61 | -122% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Embassy Bancorp, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 4.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 9.6%, ROE 10.7%, ROA 0.8% - with debt at 0.11 times equity and a free-cash-flow yield of 10.2%.
The dividend yield is 2.58% at a payout ratio of 51%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 1/10, insider activity 7/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 9.6% |
|---|---|---|---|
| GLS Moat | 4.9 / 10 | ROE | 10.7% |
| Debt / equity | 0.11 | ROA | 0.8% |
| Free-cash-flow yield | 10.2% | Payout ratio | 51% |
| Institutions | 1 / 10 | Insiders · Congress | 7 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Embassy Bancorp, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 4k shares a day on a market cap of $158M, with a beta of 0.15 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 44% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 7 / 15 | moat 4.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 4k shares/day, $158M cap, beta 0.15 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for EMYB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Embassy Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TYCB Calvin B. Taylor Bankshares, Inc. | 60.00 | 139.25 | +57% | 39No options | $158M |
| STLE Steele Bancorp Inc. | 46.66 | 205.00 | +77% | 39No options | $159M |
| WRIV White River Bancshares Co. | 32.65 | 31.33 | -4% | 39No options | $159M |
| CNBW CNB Corp. | 97.00 | 50.41 | -92% | 24No options | $161M |
| AMBK American Bank Incorporated | 24.23 | 26.35 | +8% | 38No options | $154M |
| SLBK Skyline Bankshares, Inc. | 28.69 | 68.60 | +58% | 39No options | $163M |
| DIMC Dimeco, Inc. | 64.03 | 135.90 | +53% | 39No options | $163M |
| CMRB First Commerce Bank | 7.37 | 8.39 | +12% | 39No options | $153M |
| BKGM BankGuam Holding Co. | 9,000.00 | 32,944.53 | +73% | 39No options | $164M |
| MNAT Marquette National Corporation | 37.30 | 73.23 | +49% | 39No options | $164M |
| ARBV American Riviera Bancorp | 28.49 | 28.44 | -0% | 37No options | $164M |
| SFIGA STAR Financial Group, Inc. | 59.58 | 196.21 | +70% | 39No options | $165M |
⚖ Compare EMYB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EMYB
Is EMYB undervalued right now?
By the GLS models, yes: at 21.34 the stock is 44% below the average fair value of 38.11 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of EMYB and what does it mean?
EMYB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for EMYB?
38.11 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Embassy Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for EMYB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does EMYB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EMYB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.