Embassy Bancorp
Through the investors’ lenses
3 of 3 cleared5 of 5 criteria
Each of these investors has said in public what they look at before buying. Click a name to see how this company measures up — a tick where it passes one of their tests, a cross where it does not.
Warren Buffett 3/3
| Measure | EMYB | Checked against | |
|---|---|---|---|
| Owner earnings | $14.13m | positive | ✓ |
| Return on equity | 10.7% | US median 2.8% | ✓ |
| Debt to equity | — | US median 0.57x | — |
| Operating margin | 23.2% | US median 3.1% | ✓ |
Passes 3 of 3. These are the measures Warren Buffett published, applied to Embassy Bancorp’s own figures — their criteria, not their view of this company. What he looks at, and why →
Benjamin Graham 1/1
| Measure | EMYB | Checked against | |
|---|---|---|---|
| Current ratio | — | 2.00x published | — |
| Long-term debt to working capital | — | 1.00x published | — |
| Positive earnings, ten years running | 10 yrs | 10 published | ✓ |
Passes 1 of 1. These are the measures Benjamin Graham published, applied to Embassy Bancorp’s own figures — their criteria, not their view of this company. What he looks at, and why →
Peter Lynch 1/1
| Measure | EMYB | Checked against | |
|---|---|---|---|
| Debt to equity | — | US median 0.57x | — |
| Net margin | 19.2% | US median 2.0% | ✓ |
Passes 1 of 1. These are the measures Peter Lynch published, applied to Embassy Bancorp’s own figures — their criteria, not their view of this company. What he looks at, and why →
| Basis | Payout | Why |
|---|---|---|
| GAAP earnings | 26.8% | whyThe figure most screeners publish. |
Only one basis is shown, and that is the point. Operating and free cash flow swing with loan, deposit and reserve movements, so for a lender or insurer neither says anything about whether the dividend is affordable. Investment income is omitted for a second reason: insurers file it under the same tag a BDC uses, but it means investment income on float rather than the money that funds the distribution. Screeners that publish these for a bank are printing arithmetic, not information — and a wide gap between them is noise, not a finding.
Coverage rating 36 / 100 — Strained. ? Peer standing 24/50Direction 4/30Stability 8/20
Against its own history: 26.8% this year vs 15.0% median over the prior 5. A gap this size is usually a one-off — acquisition, settlement, cyclical trough — not a dividend that stopped being funded. The rating reads the latest year; the table shows the trend.
GAAP earnings payout, last 6 years
| Fiscal year | Payout |
|---|---|
| 2025-12-31 | 26.8% |
| 2024-12-31 | 30.7% |
| 2023-12-31 | 24.0% |
| 2022-12-31 | 15.0% |
| 2021-12-31 | 13.5% |
| 2020-12-31 | 12.9% |
Among the 142 banks & insurers companies here, 48% pay out a larger share on this basis.
The arithmetic
- GAAP earnings — dividends declared per share $0.480 ÷ diluted EPS $1.79
Where the figures came from
- 10-K filed 2026-03-16 · accession 0001449794-26-000003
Every one is public at sec.gov and free to check. That is the point — you should not have to take our word for any of it.
Computed by an open pipeline reading SEC XBRL directly. If any number here looks wrong to you, tell us — that is more useful to us than agreement.
What the GAAP earnings payout ratio measures, and where every company here sits on it.
Also on: rated strained · when it files.
Who else looks like this
Every figure above is computed from Embassy Bancorp’s own filing, and every company here is measured the same way. Screen all of them on any of these twelve measures, or on the rules four investors published — free, and nothing you screen leaves your browser.
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