Embassy Bancorp Retained Earnings vs. Total Debt
| EMYB Stock | USD 13.44 0.44 3.38% |
For Embassy Bancorp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Embassy Bancorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Embassy Bancorp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Embassy Bancorp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Embassy Bancorp over time as well as its relative position and ranking within its peers.
Embassy |
Embassy Bancorp Total Debt vs. Retained Earnings Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Embassy Bancorp's current stock value. Our valuation model uses many indicators to compare Embassy Bancorp value to that of its competitors to determine the firm's financial worth. Embassy Bancorp is one of the top stocks in retained earnings category among related companies. It is rated as one of the top companies in total debt category among related companies making up about 0.28 of Total Debt per Retained Earnings. The ratio of Retained Earnings to Total Debt for Embassy Bancorp is roughly 3.57 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Embassy Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Embassy Bancorp's OTC Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Embassy Bancorp's earnings, one of the primary drivers of an investment's value.Embassy Total Debt vs. Retained Earnings
Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners.
Embassy Bancorp |
| = | 52.31 M |
Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.
Total Debt refers to the amount of long term interest-bearing liabilities that a company carries on its balance sheet. That may include bonds sold to the public, notes written to banks or capital leases. Typically, debt can help a company magnify its earnings, but the burden of interest and principal payments will eventually prevent the firm from borrow excessively.
Embassy Bancorp |
| = | 14.65 M |
In most industries, total debt may also include the current portion of long-term debt. Since debt terms vary widely from one company to another, simply comparing outstanding debt obligations between different companies may not be adequate. It is usually meant to compare total debt amounts between companies that operate within the same sector.
Embassy Total Debt vs Competition
Embassy Bancorp is rated as one of the top companies in total debt category among related companies. Total debt of Financials industry is currently estimated at about 752.35 Million. Embassy Bancorp claims roughly 14.65 Million in total debt contributing just under 2% to equities under Financials industry.
Embassy Bancorp Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Embassy Bancorp, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Embassy Bancorp will eventually generate negative long term returns. The profitability progress is the general direction of Embassy Bancorp's change in net profit over the period of time. It can combine multiple indicators of Embassy Bancorp, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. Embassy Bancorp, Inc. was founded in 2001 and is headquartered in Bethlehem, Pennsylvania. Embassy Bancorp operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 106 people.
Embassy Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Embassy Bancorp. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Embassy Bancorp position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Embassy Bancorp's important profitability drivers and their relationship over time.
Use Embassy Bancorp in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Embassy Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Embassy Bancorp will appreciate offsetting losses from the drop in the long position's value.Embassy Bancorp Pair Trading
Embassy Bancorp Pair Trading Analysis
The ability to find closely correlated positions to Embassy Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Embassy Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Embassy Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Embassy Bancorp to buy it.
The correlation of Embassy Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Embassy Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Embassy Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Embassy Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Embassy Bancorp position
In addition to having Embassy Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Candy and Soda Thematic Idea Now
Candy and Soda
Fama and French investing themes focus on testing asset pricing under different economic assumptions. The Candy and Soda theme has 13 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Candy and Soda Theme or any other thematic opportunities.
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Check out Investing Opportunities. You can also try the Transaction History module to view history of all your transactions and understand their impact on performance.
Complementary Tools for Embassy OTC Stock analysis
When running Embassy Bancorp's price analysis, check to measure Embassy Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Embassy Bancorp is operating at the current time. Most of Embassy Bancorp's value examination focuses on studying past and present price action to predict the probability of Embassy Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Embassy Bancorp's price. Additionally, you may evaluate how the addition of Embassy Bancorp to your portfolios can decrease your overall portfolio volatility.
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To fully project Embassy Bancorp's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Embassy Bancorp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Embassy Bancorp's income statement, its balance sheet, and the statement of cash flows.