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Embassy Bancorp (Embassy Bancorp) GF Value : $16.02 (As of May. 22, 2024)


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What is Embassy Bancorp GF Value?

The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

  1. Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
  2. GuruFocus adjustment factor based on the company’s past returns and growth.
  3. Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-05-22), Embassy Bancorp's share price is $13.21. Embassy Bancorp's GF Value is $16.02. Therefore, Embassy Bancorp's Price-to-GF-Value for today is 0.82.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Embassy Bancorp is Modestly Undervalued.

Embassy Bancorp  (OTCPK:EMYB) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)Predictable Companies that possibly be Value Traps
Significantly OvervaluedPredictable Companies which are Significantly Overvalued
Modestly OvervaluedPredictable Companies which are Modestly Overvalued
Fairly ValuedPredictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Embassy Bancorp's Price-to-GF-Value for today is calculated as

Price-to-GF-Value=Share Price/GF Value
=13.21/16.02
=0.82

* 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.

Embassy Bancorp GF Value Related Terms

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

Embassy Bancorp (Embassy Bancorp) Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Embassy Bancorp Inc (OTCPK:EMYB) » Definitions » GF Value
Comparable Companies
MNAT BVFL TYFG RVSB BOID UNB MRBK FNCB CWBC OVBC CAR:BPV CAR:MVZ.A CAR:BNC NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK SAU:1120 ISX:BBCA XPAR:BNP MIC:SBER
Traded in Other Exchanges
N/A
Address
One Hundred Gateway Drive, Suite 100, Bethlehem, PA, USA, 18017
Website
https://www.embassybank.com
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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