Embassy Bancorp (Embassy Bancorp) GF Value Rank : 9 (As of May. 22, 2024)

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What is Embassy Bancorp GF Value Rank?

Embassy Bancorp has the GF Value Rank of 9.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Embassy Bancorp's GF Value Rank

For the Banks - Regional subindustry, Embassy Bancorp's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Embassy Bancorp's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Embassy Bancorp's GF Value Rank falls into.

Embassy Bancorp GF Value Rank Related Terms

Thank you for viewing the detailed overview of Embassy Bancorp's GF Value Rank 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 Rank

Comparable Companies

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