Embassy Bancorp, Inc. (EMYB) Fair Value 2026

EMYB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, Embassy Bancorp, Inc. (EMYB) trades at $22.30, versus a $22.57 median fair value across its 6 active models — 1.2% above the current price. QOC: 7.8/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
EMYB
Price
$22.30
Quality Score
7.8/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +2.9% upside with 70% confidence
Risk: Majority of models suggest overvaluation

Is Embassy Bancorp, Inc. (EMYB) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Embassy Bancorp, Inc. (EMYB) appears fairly valued as of : the median of 6 independent fair value estimates is $22.57, within 1.2% of the current price of $22.30. Estimates range from $20.11 to $23.96. EMYB scores 7.8/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. EMYB’s +1.2% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Embassy Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give EMYB?

6 Intrinsic Value Models vs. Current Price ($22.30)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $22.94 +2.9%
Ensemble · Medium Conviction
 $22.20 -0.5%
Intrinsic · High Conviction
 $21.30 -4.5%
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What Is EMYB's Fair Value Range?

Spread across 6 independent models · $20.11 to $23.96

CirclFi's 6 active models place Embassy Bancorp, Inc. (EMYB) between $20.11 and $23.96 per share, a spread of 17% of the median. The median of that range — $22.57 — is the fair value CirclFi publishes for EMYB, against a current price of $22.30.

Low · Regime CrossHigh · ML-RIV
$20.11median $22.57$23.96
Where the range comes from
Most bearish modelRegime Cross-Sectional$20.11
Most bullish modelML Residual Income$23.96
Model agreement2 bullish · 1 bearishtight

The methods largely agree on EMYB. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on EMYB, not a CirclFi price target. How each model works →

What Is Embassy Bancorp, Inc. (EMYB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Embassy Bancorp, Inc.'s intrinsic value is estimated at $22.57, presenting a divided outlook at the current price of $22.30. With a median implied return of +1.2% across a split 2–1 (bull–bear) consensus, the model spread of +17.3% underscores analytical uncertainty.

What Do the Models Say About EMYB?

6 of 13 models are currently active for EMYB. Of these, 3 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for EMYB is $22.57 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does EMYB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, EMYB ranks #207 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Embassy Bancorp, Inc. competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is EMYB a Value Trap?

CirclFi's Value Trap algorithm assigns EMYB a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Embassy Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Embassy Bancorp, Inc. is rated at 7.8/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

Models cluster within a tight range (+17.3% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EMYB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EMYB's 6 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Embassy Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

TFCTruist Financial CorporationQOC 7.8CFBKCF Bankshares Inc.QOC 7.8BKUBankUnited, Inc.QOC 7.8AROWArrow Financial CorporationQOC 7.8BPRNPrinceton Bancorp, Inc.QOC 7.8NWGNatWest Group plcQOC 7.8MCHBMechanics BancorpQOC 7.1UVSPUnivest Financial CorporationQOC 8.7CCBCoastal Financial CorporationQOC 8.2ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: TFC · CFBK · BKU · AROW · BPRN · NWG · MCHB · UVSP · CCB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to EMYB?

5 companies across all industries closest to EMYB’s Quality of Company score of 7.8/10.

FIGRFigure Technology Solutions, Inc.QOC 7.8LADLithia Motors, Inc.QOC 7.8KRYSKrystal Biotech, Inc.QOC 7.8MYEMyers Industries, Inc.QOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FIGR · LAD · KRYS · MYE · NVDA

Where Does EMYB Sit in CirclFi's Banks - Regional Rankings?

EMYB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Embassy Bancorp, Inc.’s Valuation?

What is Embassy Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Embassy Bancorp, Inc. (EMYB)'s intrinsic value at $22.57 — the median of 6 independent model estimates as of 2026-08-27, ranging from $20.11 to $23.96. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EMYB overvalued or undervalued right now?

At $22.30, 3 of 6 active models suggest EMYB may be undervalued, while 3 indicate potential overvaluation. The median of all 6 fair value estimates is $22.57, within 1.2% of the current price of $22.30 — a consensus view that EMYB is fairly valued. The assessment depends on which methodology best fits Embassy Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for EMYB?

Embassy Bancorp, Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on EMYB?

CirclFi analyzes EMYB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on EMYB?

Of the 6 models currently active on EMYB, ML Residual Income is the most bullish at $23.96 per share, and Regime Cross-Sectional is the most bearish at $20.11. CirclFi's published fair value for EMYB is the median of that range, $22.57, not either extreme. The gap between the two ends equals 17% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is EMYB a value trap in 2026?

Embassy Bancorp, Inc.'s Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Embassy Bancorp, Inc. (EMYB) has a median fair value of $22.57 — within 1.2% of the current price of $22.30 — as of 2026-08-27.” Source: circlfi.com/stock/EMYB/ · Methodology
Primary sources for this EMYB valuation
  • Financial statements: Embassy Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001449794) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for EMYB as of ; valuations recomputed .

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