XVARY Composite Score
66
/ 100
Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
It takes deposits, makes loans, and sells banking services to people and businesses in the Lehigh Valley.
How it gets paid
Last year Embassy Bancorp made $65M in revenue. net interest income was the main engine at $54.0M, or 83% of sales.
What just happened
Revenue hit $53M and EPS reached $1.32.
At a Glance
B++ balance sheet — above average — nothing keeping you up at night
75/100 earnings predictability — reasonably predictable
11.8x trailing p/e — the market's not buying it — or you found a deal
2.4% dividend yield — cash in your pocket every quarter
$1.37 fy2024 eps est
XVARY composite: 66/100 — average
What They Do
It takes deposits, makes loans, and sells banking services to people and businesses in the Lehigh Valley.
The bank runs on $1.6B in deposits and $1.3B in net loans. That is a lot of local money for 112 employees. Your checking account, mortgage, and business payments all stay inside one neighborhood franchise, which makes leaving harder than it looks.
How They Make Money
$65M
annual revenue
net interest income
$54.0M
deposit and service fees
$4.0M
card and merchant processing
$3.0M
other noninterest income
$4.0M
The Products That Matter
Deposits, loans, and branch banking
Traditional Banking
$71.5M revenue · $13.7M net income
this is the whole story. the bank produced $71.5M in revenue and $13.7M in profit last year, which works out to a roughly 19.2% net margin.
core franchise
Originates residential mortgages
Mortgage Lending
local franchise · five-year award streak
mortgages matter because embassy keeps winning local recognition for five straight years, but this snapshot gives no stand-alone revenue number. thin segment detail is part of the risk with micro-cap banks.
local reputation
Key Numbers
$1.8B
assets
You are buying a bank with $1.8B in assets and a $152M market cap. That is a tiny price tag for a balance sheet that size.
$1.6B
deposits
Deposits are the raw material. At $1.6B, the bank has real funding to lend against.
$1.3B
net loans
Net loans tell you how much of those deposits are working. $1.3B is the income engine.
2.4%
dividend yield
You get paid 2.4% while waiting. That is modest, but it is cash, not promise.
Financial Health
B++
Strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 100 / 100
B++ — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
beat estimates
Revenue hit $53M and EPS reached $1.32.
Revenue was up 190% vs. prior year. EPS was up 164% vs. prior year. That is a bank that found more earnings power, not a bank that got lucky once.
$53M
revenue
$1.32
eps
n/a
n/a
the number that mattered
The $53M quarterly revenue print matters most because it was 190% above last year and reset the run rate.
source: company earnings report, 2026
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What Could Go Wrong
The #1 risk is Lehigh Valley loan-book concentration.
High
One-region exposure
embassy operates in one local market. if the Lehigh Valley economy weakens, the same slowdown can hit loan demand, credit quality, and deposit growth at once.
100% of the franchise and $71.5M of annual revenue sit under that regional umbrella
High
Net interest margin pressure
the bank's $44M net interest income line fell 4.9%. for a traditional lender, that is the core engine telling you rates and funding costs still matter.
if the spread business keeps shrinking, the 31.2% profit growth headline gets harder to repeat
Med
No moat in local banking
the bank has a local reputation and a five-year award streak. competitors can still match deposit pricing, chase the same borrowers, and squeeze mortgage economics.
pricing pressure lands directly on lending spreads and fee income
Med
Cybersecurity and trust risk
community banks run on trust. a cyber incident would not just be an IT problem — it would be a customer-retention problem in a franchise built on local relationships.
the damage would show up in remediation costs, reputation, and potentially deposits
when 100% of your footprint is local and $44M of the revenue mix comes from spread income, one regional slowdown can do more damage than the headline EPS growth suggests.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Earnings
Next earnings report
scheduled for march 16, 2026. the number to watch is whether net interest income stabilizes after the 4.9% decline.
Metric
Net interest income trend
$44M is still the profit engine. if that keeps sliding, the low p/e multiple may be less of a bargain than it looks.
Risk
Lehigh Valley credit quality
you care about local employment, housing, and borrower stress because this bank does not have geographic diversification to hide behind.
Trend
Profit growth versus core banking growth
31.2% profit growth looked strong. the key question is whether earnings can keep rising if the core spread business does not.
Analyst Rankings
earnings predictability
75 / 100
in human-speak, this usually behaves like a steady bank, not a drama stock.
price stability
100 / 100
the stock price has been unusually calm. that says more about thin trading and local ownership than it does about zero risk.
risk rank
3
middle-of-the-pack safety. safer than the market's messiest names, but not a bunker.
Source: institutional data
Institutional Activity
institutional ownership data for EMYB is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$20
Current price
Target midpoint · from current
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