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Embassy Bancorp (Embassy Bancorp) Cyclically Adjusted FCF per Share : $1.91 (As of Mar. 2024)


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What is Embassy Bancorp Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Embassy Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2024 was $0.201. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.91 for the trailing ten years ended in Mar. 2024.

During the past 12 months, Embassy Bancorp's average Cyclically Adjusted FCF Growth Rate was 6.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 12.90% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 15.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Embassy Bancorp was 17.80% per year. The lowest was 12.90% per year. And the median was 15.30% per year.

As of today (2024-06-04), Embassy Bancorp's current stock price is $13.25. Embassy Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $1.91. Embassy Bancorp's Cyclically Adjusted Price-to-FCF of today is 6.94.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Embassy Bancorp was 20.47. The lowest was 7.02. And the median was 12.36.


Embassy Bancorp Cyclically Adjusted FCF per Share Historical Data

The historical data trend for Embassy Bancorp's Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share Chart

Embassy Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.11 1.30 1.47 1.70 1.87

Embassy Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted FCF per Share 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 1.80 1.83 1.88 1.87 1.91

Competitive Comparison of Embassy Bancorp's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, Embassy Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Embassy Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Embassy Bancorp's Cyclically Adjusted Price-to-FCF falls into.



Embassy Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Embassy Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.201/131.7762*131.7762
=0.201

Current CPI (Mar. 2024) = 131.7762.

Embassy Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 0.354 100.560 0.464
201409 0.294 100.428 0.386
201412 0.192 99.070 0.255
201503 0.223 99.621 0.295
201506 0.255 100.684 0.334
201509 0.320 100.392 0.420
201512 0.169 99.792 0.223
201603 0.145 100.470 0.190
201606 0.340 101.688 0.441
201609 0.406 101.861 0.525
201612 0.264 101.863 0.342
201703 0.306 102.862 0.392
201706 0.279 103.349 0.356
201709 0.408 104.136 0.516
201712 0.330 104.011 0.418
201803 0.386 105.290 0.483
201806 0.351 106.317 0.435
201809 0.443 106.507 0.548
201812 0.390 105.998 0.485
201903 0.436 107.251 0.536
201906 0.413 108.070 0.504
201909 0.538 108.329 0.654
201912 0.406 108.420 0.493
202003 0.193 108.902 0.234
202006 0.420 108.767 0.509
202009 0.494 109.815 0.593
202012 0.440 109.897 0.528
202103 0.519 111.754 0.612
202106 0.467 114.631 0.537
202109 0.407 115.734 0.463
202112 0.426 117.630 0.477
202203 0.658 121.301 0.715
202206 0.395 125.017 0.416
202209 0.809 125.227 0.851
202212 0.673 125.222 0.708
202303 0.852 127.348 0.882
202306 0.551 128.729 0.564
202309 0.721 129.860 0.732
202312 0.336 129.419 0.342
202403 0.201 131.776 0.201

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


Embassy Bancorp  (OTCPK:EMYB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Embassy Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=13.25/1.91
=6.94

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Embassy Bancorp was 20.47. The lowest was 7.02. And the median was 12.36.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Embassy Bancorp Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of Embassy Bancorp's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Embassy Bancorp (Embassy Bancorp) Business Description

Industry
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

Embassy Bancorp (Embassy Bancorp) Headlines