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Embassy Bancorp (Embassy Bancorp) PB Ratio : 0.97 (As of Jun. 08, 2024)


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What is Embassy Bancorp PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-06-08), Embassy Bancorp's share price is $13.25. Embassy Bancorp's Book Value per Share for the quarter that ended in Mar. 2024 was $13.63. Hence, Embassy Bancorp's PB Ratio of today is 0.97.

Good Sign:

Embassy Bancorp Inc stock PB Ratio (=0.97) is close to 3-year low of 0.97

The historical rank and industry rank for Embassy Bancorp's PB Ratio or its related term are showing as below:

EMYB' s PB Ratio Range Over the Past 10 Years
Min: 0.74   Med: 1.24   Max: 2
Current: 0.97

During the past 13 years, Embassy Bancorp's highest PB Ratio was 2.00. The lowest was 0.74. And the median was 1.24.

EMYB's PB Ratio is ranked worse than
60.88% of 1457 companies
in the Banks industry
Industry Median: 0.85 vs EMYB: 0.97

During the past 12 months, Embassy Bancorp's average Book Value Per Share Growth Rate was 8.30% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -2.30% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 1.60% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 6.80% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Embassy Bancorp was 14.20% per year. The lowest was -4.40% per year. And the median was 10.50% per year.

Back to Basics: PB Ratio


Embassy Bancorp PB Ratio Historical Data

The historical data trend for Embassy Bancorp's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Embassy Bancorp PB Ratio Chart

Embassy Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.39 0.98 1.24 1.59 1.06

Embassy Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.35 1.18 1.37 1.06 1.00

Competitive Comparison of Embassy Bancorp's PB Ratio

For the Banks - Regional subindustry, Embassy Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Embassy Bancorp's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Embassy Bancorp's PB Ratio distribution charts can be found below:

* The bar in red indicates where Embassy Bancorp's PB Ratio falls into.



Embassy Bancorp PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Embassy Bancorp's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2024)
=13.25/13.626
=0.97

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Embassy Bancorp  (OTCPK:EMYB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Embassy Bancorp PB Ratio Related Terms

Thank you for viewing the detailed overview of Embassy Bancorp's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Embassy Bancorp (Embassy Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
One Hundred Gateway Drive, Suite 100, Bethlehem, PA, USA, 18017
Embassy Bancorp Inc acts as an independent community financial services provider. It offers traditional banking and related financial services to individual, business and government customers. The bank also offers commercial and retail financial services such as savings and demand deposits, commercial loans, consumer loans, residential mortgage, and home equity loans and other financial services. Its other services comprise night depository services, wire transfers, bond coupon redemption, cash management services, and escrow management services among others.
Executives
Lobach David M Jr director, officer: SEVP, CEO, President 100 GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
John G Englesson director 5341 ABERDENE STREET, CENTER VALLEY PA 18034
Bernard M Lesavoy director ONE WINDSOR PLAZA, SUITE 200, 7535 WINDSOR DR., ALLENTOWN PA 18195-1014
Lynne Marie Neel other: Executive Vice President 3100 HECKTOWN RD, EASTON PA 18045
Diane Maria Cunningham officer: Executive Vice President 3311 LORD BYRON DR, BETHLEHEM PA 18017
Michael B Macy officer: SVP, CLO Business Banking ONE GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
Frank Iii Banko director 100 GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
Geoffrey F Boyer director 1259 S CEDAR CREST BLVD., SUITE 336, ALLENTOWN PA 18103
Judith A Hunsicker officer: FEO, COO, CFO 100 GATEWAY DRIVE, SUITE 100, BETHLEHEM PA 18017
Patti Gates Smith director 8448 REDHAVEN STREET, FOGELSVILLE PA 18051
Brew John P Jr director 817 W. BROAD ST., BETHLEHEM PA 18018
Elmer D Gates director 840 YORKSHIRE RD., BETHLEHEM PA 18017
John T Yurconic director 5910 HAMILTON BLVD, ALLENTOWN PA 18106
Robert P Daday director 2 N 9TH ST, ALLENTOWN PA 18101-1179
John C Pittman director 1001 NOR-BATH BLVD, NORTHAMPTON PA 18067

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