Analyzing Embassy Bancorp (OTCMKTS:EMYB) & Akbank Turk Anonim Sirketi (OTCMKTS:AKBTY)

Dividends

Embassy Bancorp pays an annual dividend of $0.06 per share and has a dividend yield of 0.3%. Akbank Turk Anonim Sirketi pays an annual dividend of $0.08 per share and has a dividend yield of 2.7%. Embassy Bancorp pays out 6.9% of its earnings in the form of a dividend. Akbank Turk Anonim Sirketi pays out 13.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Valuation & Earnings

This table compares Embassy Bancorp and Akbank Turk Anonim Sirketi”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Embassy Bancorp	N/A	N/A	N/A	$0.87	25.55
Akbank Turk Anonim Sirketi	$19.70 billion	0.39	$1.45 billion	$0.60	4.91

Akbank Turk Anonim Sirketi has higher revenue and earnings than Embassy Bancorp. Akbank Turk Anonim Sirketi is trading at a lower price-to-earnings ratio than Embassy Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Embassy Bancorp and Akbank Turk Anonim Sirketi’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Embassy Bancorp	N/A	N/A	N/A
Akbank Turk Anonim Sirketi	8.19%	21.13%	1.83%

Insider & Institutional Ownership

0.7% of Embassy Bancorp shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Akbank Turk Anonim Sirketi beats Embassy Bancorp on 5 of the 9 factors compared between the two stocks.

About Embassy Bancorp

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. The company offers demand deposits, savings, money market, time deposits, individual retirement, and NOW accounts; and certificates of deposit. It provides loans, such as secured fixed and variable rate loans; commercial lending; consumer lending, including mortgage loans, first time home buyer mortgages, secured home equity loans, lines of credit; residential mortgage loans; and commercial mortgage/construction loans. In addition, the company offers various other services, such as treasurer and certified check, wire transfer, personal financial and cash management, credit/debit card merchant processing, direct deposit/ACH, ACH origination, fraud detection, cash and escrow management, safe deposit box, remote deposit capture, mobile banking, night depository, bank by mail, savings bond redemptions, person to person payment, positive pay, automated teller machine, and online banking and bill pay services, as well as gift, commercial and consumer credit, and ATM and debit cards. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.

About Akbank Turk Anonim Sirketi

Akbank T.A.S., together with its subsidiaries, provides various banking products and services in Turkey and internationally. It operates through Consumer Banking and Private Banking; Commercial Banking, Corporate Banking, and SME Banking; and Treasury, Other, and Unallovated segments. The company’s consumer banking services comprise deposit accounts, retail loans, commercial installment loans, credit cards, insurance products, and asset management services, as well as bank cards, investment funds trading, automatic payment, foreign currency trading, safe deposit box rental, cheques, money transfer, investment banking, and telephone and internet banking. It also offers services to large, medium, and small size corporate and commercial customers that include Turkish Lira (TL) and foreign currency denominated working capital loans financing for investments, foreign trade financing, derivative instruments for hedging purposes of foreign currency and interest risk, letters of credit, foreign currency trading, corporate finance, and deposit and cash management services, as well as project finance loans; and working capital management, delivering cash management services based on customers’ requests, such as collection and payment services, and liquidity and information management. In addition, the company engages in treasury activities consisting of TL and foreign currency spot and forward transactions, treasury and government bonds, Eurobonds, and private sector bond transactions, as well as derivative trading activities; and marketing and pricing activities related to treasury products. Further, it provides financial leasing services, investment and pension funds management, and portfolio management, as well as offers payment services and issues electronic money. Akbank T.A.S. was incorporated in 1948 and is headquartered in Istanbul, Turkey.