Embassy Bancorp, Inc. Financial Ratios — EMYB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	30.98	26.3	20.29	19.5	18.9	15.65	14.05	16.93	15.85	16.22	18.27	16.58	10.63	8.19	10.07
Return on Assets (%)	0.94	0.94	0.84	0.92	0.97	0.83	0.76	0.96	0.96	0.98	1.09	1.08	0.77	0.62	0.78
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	9.57	8.46	9.14	8.08	7.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.2	38.99	36.28	39.83	41.88	38.61	2.16	2.28	2.34	1.89	1.9	1.82	2.21	2.93	2.35
Operating Margin (%)	- -	36.21	33.6	37.14	39.57	35.99	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	2,507.98	318.08	-37.91	109.71	65.41	-22.3	-310.69	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.06	36.21	33.6	37.14	39.57	35.99	38.17	36.46	37.74	39.22	45.74	45.43	37.28	31.97	36.57
Profit Margin (%)	26.38	26.1	24.21	26.78	28.31	25.73	23.55	29.72	30.71	31.94	36.82	36.57	30.53	26.68	30.18
Net Income to Common Margin (%)	26.38	26.1	24.21	26.78	28.31	25.73	23.55	29.72	30.71	31.94	36.82	36.57	30.53	26.68	30.18
Effective Tax Rate (%)	28.83	27.92	27.94	27.9	28.46	28.51	38.31	18.47	18.65	18.57	19.5	19.51	18.11	16.54	17.47
Dvd Payout Ratio (%)	4.18	3.17	6.57	6.87	9.93	13.46	14.27	12.61	13.74	12.83	13.42	14.94	24.03	30.64	26.79
Sustainable Growth Rate (%)	29.68	25.47	18.96	18.16	17.02	13.54	12.05	14.8	13.67	14.14	15.82	14.11	8.08	5.68	7.37

Credit (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	13	13	14	11	43	- -	- -	54	18	15	15	- -	35	16	- -
ST Debt	- -	- -	10	9	39	- -	- -	54	18	- -	- -	- -	35	16	- -
LT Debt	13	13	4	2	4	- -	- -	- -	- -	15	15	- -	- -	- -	- -
Total Debt/EBITDA	20.94	1.47	1.68	1.14	3.93	- -	- -	69.76	21.79	19.28	16.96	- -	38.25	13.62	- -
Net Debt/EBITDA	-64.41	-2.6	-0.57	-0.5	2.24	-2.16	-48.49	34.13	-25.23	-152.97	-178.29	-75.08	-46.91	-69.66	-105.03
Total Debt/EBIT	- -	1.58	1.81	1.23	4.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-2.8	-0.62	-0.53	2.38	-2.32	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.31	3.83	4.45	4.98	5.29	5.28	5.53	5.82	6.24	5.87	6.07	6.97	7.47	7.69	7.84
Long-Term Debt/Equity (%)	29.52	25.16	7.21	3.1	5.61	- -	- -	- -	- -	13.06	11.96	- -	- -	- -	- -
Long-Term Debt/Capital (%)	40.69	33.85	8.92	4.06	4.46	- -	- -	- -	- -	14.76	12.87	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	2.27	1.96	0.58	0.26	0.48	- -	- -	- -	- -	1.02	0.9	- -	- -	- -	- -
Total Debt/Equity (%)	29.52	25.16	25.71	17.77	63.33	- -	- -	61.9	18.14	13.06	11.96	- -	33.13	14.67	- -
Total Debt/Capital (%)	40.69	33.85	31.78	23.32	50.33	- -	- -	45.78	19.77	14.76	12.87	- -	22.04	10.65	- -
Total Debt/Total Assets (%)	2.27	1.96	2.07	1.52	5.36	- -	- -	4.91	1.54	1.02	0.9	- -	2.11	0.92	- -
Net Debt to Equity	-90.8	-44.57	-8.79	-7.73	36.12	-31.68	-40.79	30.29	-21	-103.64	-125.73	-75.1	-40.63	-75.03	-87.68
Net Debt/Capital (%)	190.07	-969.52	-18.94	-15.24	36.63	-90.77	-144.21	29.24	-39.91	367.21	280.79	-138.13	-53.09	-156.19	-382.41
EBITDA	1	9	8	10	11	11	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	8	8	9	10	10	- -	- -	- -	-1	-1	- -	- -	- -	- -
Operating Income (Loss)	- -	8	8	9	10	10	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.31	3.83	4.45	4.98	5.29	5.28	5.53	5.82	6.24	5.87	6.07	6.97	7.47	7.69	7.84
Long-Term Debt/Equity (%)	29.52	25.16	7.21	3.1	5.61	- -	- -	- -	- -	13.06	11.96	- -	- -	- -	- -
Long-Term Debt/Capital (%)	40.69	33.85	8.92	4.06	4.46	- -	- -	- -	- -	14.76	12.87	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	2.27	1.96	0.58	0.26	0.48	- -	- -	- -	- -	1.02	0.9	- -	- -	- -	- -
Total Debt/Equity (%)	29.52	25.16	25.71	17.77	63.33	- -	- -	61.9	18.14	13.06	11.96	- -	33.13	14.67	- -
Total Debt/Capital (%)	40.69	33.85	31.78	23.32	50.33	- -	- -	45.78	19.77	14.76	12.87	- -	22.04	10.65	- -
Total Debt/Total Assets (%)	2.27	1.96	2.07	1.52	5.36	- -	- -	4.91	1.54	1.02	0.9	- -	2.11	0.92	- -
CFO/Total Liabilities	1.24	1.21	1.25	1.17	1.16	1.08	1.14	1.27	1.33	1.03	1.01	1.28	1.26	0.62	0.77
CFO/CapEx	20.43	11.67	19.36	27.82	6.31	15.84	21.22	12.6	18.38	6.88	10.09	27.69	24.19	13.46	20.31
Altman's Z-Score	0.09	0.15	0.17	0.2	0.2	0.2	0.18	0.17	0.19	0.15	0.17	0.17	0.17	0.17	0.18

Working Capital (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.7	13.99	14.66	15.28	16.18	16.41	16.61	16.3	16.77	15.47	15.89	17.51	13.32	11.34	11.52
Days Sales Outstanding	28.74	26.09	24.89	23.89	22.56	22.24	21.97	22.39	21.77	23.59	22.97	20.84	27.4	32.19	31.69
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	25	40	56	76	80	96	119	112	138	109	152	140	112	126	139
- Cash & Cash Equivalents	53	35	19	16	19	23	33	28	39	131	169	66	78	96	112
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	13	13	14	11	43	- -	- -	54	18	15	15	- -	35	16	- -
Enterprise Value	-107	-74	-20	-6	28	-12	-4	47	27	-138	-313	-244	-207	-82	-173
Total Capital	32	37	44	47	86	49	55	118	91	99	114	114	159	147	141
Total Debt/Capital (%)	40.69	33.85	31.78	23.32	50.33	- -	- -	45.78	19.77	14.76	12.87	- -	22.04	10.65	- -
Total Debt / EV	-0.12	-0.17	-0.68	-1.71	1.55	- -	- -	1.14	0.68	-0.11	-0.05	- -	-0.17	-0.19	- -
EV/Sales	- -	- -	- -	- -	1.06	- -	- -	1.4	0.75	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	2.53	- -	- -	61.23	32.02	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	2.68	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	3.26	- -	- -	3.69	1.86	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	2.82	- -	- -	3.42	1.76	- -	- -	- -	- -	- -	- -
Diluted Market Cap	26	40	56	76	81	97	120	113	140	110	152	140	112	126	139
Diluted Enterprise Value	-15	18	51	71	105	74	88	139	119	-6	-2	74	69	46	27
EV per Share	- -	- -	- -	- -	3.77	- -	- -	6.34	3.55	- -	- -	- -	- -	- -	- -
TTM Sales	20	22	23	24	26	28	31	34	35	40	46	48	41	39	45
TTM EBITDA	1	9	8	10	11	11	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	8	8	9	10	10	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	7	8	8	9	9	10	13	14	14	15	20	19	10	13
TTM Free Cash Flow to Firm	7	8	8	8	10	10	11	14	15	16	17	21	20	11	13

Multiples (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.7	5.16	6.85	9.53	8.2	9.92	11.01	8.12	9.25	7.03	9.1	6.79	5.5	11.83	10.32
EV/EBIT	- -	- -	- -	- -	2.68	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-107	-74	-20	-6	28	-12	-4	47	27	-138	-313	-244	-207	-82	-173
Low Price	2.78	3.12	5.44	7.45	10.21	10.15	12.8	14.06	14.3	10.1	14.25	18.5	12.5	13	14.26
EV/Sales	- -	- -	- -	- -	1.06	- -	- -	1.4	0.75	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	2.53	- -	- -	61.23	32.02	- -	- -	- -	- -	- -	- -
Price/Earnings	4.93	6.95	10.06	11.8	10.85	13.49	16.33	11.08	12.71	8.51	9.04	7.9	8.83	12.11	10.14
Price/Earnings Average	5.85	6.19	8.68	9.81	10.53	11.29	14.82	12.3	11.02	7.87	8.24	8.57	9.37	10.73	9.12
Price/Earnings High	8.01	8.77	11.82	12.37	11.05	14.58	16.43	13.61	13.03	11.17	9.49	9.13	11.23	12.21	10.28
Price/Earnings Low	3.87	3.91	7.15	8.53	10.16	10.53	13.06	10.42	9.83	5.89	6.38	7.9	7.51	9.48	7.95
Price/Book Value	1.33	1.62	1.86	2.11	1.89	1.98	2.16	1.75	1.89	1.29	1.53	1.22	0.9	0.96	0.98
Price/Book Value Average	1.58	1.45	1.61	1.75	1.83	1.65	1.96	1.94	1.64	1.19	1.4	1.33	0.96	0.85	0.89
Price/Book Value High	2.16	2.05	2.19	2.21	1.92	2.14	2.18	2.14	1.93	1.69	1.61	1.41	1.15	0.97	1
Price/Book Value Low	1.04	0.91	1.32	1.53	1.77	1.54	1.73	1.64	1.46	0.89	1.08	1.22	0.77	0.76	0.77
Price/Tangible Book Value	0.57	0.8	1.03	1.23	1.18	1.32	1.49	1.28	1.39	0.97	1.24	1.58	1.06	1.19	1.09
Price/Tangible Book Value Average	0.68	0.71	0.89	1.02	1.15	1.1	1.36	1.42	1.2	0.9	1.13	1.72	1.12	1.05	0.98
Price/Tangible Book Value High	0.93	1.01	1.21	1.29	1.2	1.42	1.5	1.57	1.42	1.28	1.3	1.83	1.35	1.2	1.1
Price/Tangible Book Value Low	0.45	0.45	0.73	0.89	1.11	1.03	1.2	1.2	1.07	0.67	0.87	1.58	0.9	0.93	0.85
Price/Sales	1.3	1.81	2.44	3.16	3.07	3.47	3.84	3.29	3.9	2.72	3.33	2.89	2.7	3.23	3.06
Price/Sales Average	1.54	1.62	2.1	2.63	2.98	2.91	3.49	3.66	3.38	2.51	3.04	3.13	2.86	2.86	2.75
Price/Sales High	2.11	2.29	2.86	3.31	3.13	3.75	3.87	4.04	4	3.57	3.5	3.34	3.43	3.26	3.1
Price/Sales Low	1.02	1.02	1.73	2.29	2.88	2.71	3.08	3.1	3.02	1.88	2.35	2.89	2.29	2.53	2.4
Price/Cash Flow	3.86	5.58	7.19	9.84	9.45	10.47	11.44	8.7	9.67	8	9.95	7.02	5.73	12.71	10.83
Price/Cash Flow Average	4.58	4.98	6.21	8.19	9.17	8.77	10.38	9.66	8.38	7.4	9.08	7.62	6.08	11.26	9.74
Price/Cash Flow High	6.26	7.04	8.45	10.32	9.62	11.32	11.51	10.68	9.91	10.49	10.45	8.12	7.29	12.82	10.97
Price/Cash Flow Low	3.02	3.14	5.11	7.12	8.84	8.18	9.15	8.18	7.47	5.53	7.03	7.02	4.87	9.95	8.48
Price/Free Cash Flow Average	4.39	4.6	5.91	7.93	7.95	8.31	9.99	9.01	8.02	6.5	8.3	7.37	5.84	10.48	9.28
Price/Free Cash Flow High	6.01	6.51	8.05	10	8.35	10.72	11.08	9.97	9.49	9.23	9.56	7.85	7	11.93	10.46
Price/Free Cash Flow Low	2.9	2.9	4.87	6.9	7.67	7.74	8.81	7.64	7.15	4.87	6.42	6.79	4.68	9.27	8.08
EV/Sales Average	- -	0.6	1.89	2.43	3.92	2.07	2.44	4.43	2.79	- -	- -	1.76	1.82	0.82	0.29
EV/Sales High	0.05	1.28	2.65	3.11	4.07	2.91	2.82	4.82	3.41	0.67	0.12	1.97	2.39	1.22	0.64
EV/Sales Low	- -	0.01	1.52	2.09	3.82	1.87	2.03	3.88	2.43	- -	- -	1.52	1.26	0.49	- -
EV/EBITDA Average	-16.26	1.55	5.22	6.1	9.36	5.36	112.73	194.31	119.42	-20.3	-18.12	96.72	82.65	27.99	12.31
EV/EBITDA High	1.5	3.27	7.31	7.82	9.71	7.55	130.24	211.3	145.82	35.25	6.17	108.02	108.41	41.47	27.2
EV/EBITDA Low	-32.58	0.02	4.2	5.24	9.11	4.85	93.61	169.88	103.71	-53.7	-54.3	83.2	56.91	16.64	-2.83
EV/EBIT Average	- -	1.67	5.64	6.54	9.91	5.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	3.52	7.9	8.39	10.28	8.1	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	0.02	4.53	5.62	9.64	5.21	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	3.54	5.55	7.65	10.3	10.91	13	16	14.95	18.5	14.6	20.18	18.5	14.7	16.6	18.2
High Price	5.75	7	8.99	10.8	11.11	14.05	16.1	18.35	18.97	19.15	21.2	21.4	18.7	16.74	18.45
Enterprise Value Average	-10	13	43	58	103	58	76	150	99	-15	-16	85	76	32	13
Enterprise Value High	1	28	61	74	106	81	87	164	121	27	5	95	99	48	29
Enterprise Value Low	-20	- -	35	50	100	52	63	131	86	-41	-47	73	52	19	-3

Shares Outstanding	7	7	7	7	7	7	7	7	7	8	8	8	8	8	8
Diluted Weighted Avg Shares	7	7	7	7	7	7	8	8	8	8	8	8	8	8	8
Basic Weighted Avg Shares	7	7	7	7	7	7	7	7	7	7	8	8	8	8	8
Revenue per Share	2.72	3.06	3.14	3.26	3.55	3.75	4.16	4.54	4.74	5.37	6.06	6.41	5.45	5.14	5.95
EBITDA per Share	0.09	1.19	1.14	1.3	1.49	1.45	0.09	0.1	0.11	0.1	0.11	0.12	0.12	0.15	0.14
Operating Income per Share	- -	1.11	1.06	1.21	1.41	1.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.72	0.8	0.76	0.87	1.01	0.96	0.98	1.35	1.46	1.71	2.23	2.34	1.67	1.37	1.79
Basic EPS from Cont Ops	0.72	0.8	0.76	0.87	1.01	0.96	0.98	1.35	1.46	1.71	2.23	2.34	1.67	1.37	1.79
Diluted EPS, GAAP	0.71	0.8	0.76	0.87	1	0.96	0.97	1.34	1.44	1.7	2.22	2.34	1.67	1.37	1.79
Diluted EPS from Cont Ops	0.71	0.8	0.76	0.87	1	0.96	0.97	1.34	1.44	1.7	2.22	2.34	1.67	1.37	1.79
Dividend per Share	0.03	0.03	0.05	0.06	0.1	0.13	0.14	0.17	0.2	0.22	0.3	0.35	0.4	0.42	0.48
Cash Flow per Share	0.92	0.99	1.06	1.05	1.15	1.24	1.4	1.72	1.91	1.83	2.03	2.64	2.57	1.31	1.68
Free Cash Flow per Basic Share	0.87	0.91	1.01	1.01	0.97	1.16	1.33	1.58	1.81	1.56	1.83	2.54	2.46	1.21	1.6
Cash & Equivalents per Share	20.3	17.61	12.39	12.65	12.99	14.67	16.49	15.83	17.37	35.05	63.71	50.73	46.58	29.41	40.93
Book Value per Share	2.66	3.42	4.11	4.89	5.77	6.58	7.4	8.56	9.81	11.32	13.19	15.13	16.29	17.21	18.49
Tangible Book Value per Share	6.19	6.95	7.44	8.36	9.24	9.88	10.71	11.67	13.33	15.02	16.3	11.68	13.9	13.98	16.71

Embassy Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)