Embassy Bancorp, Inc.

Embassy Bancorp, Inc.

EMYB
Embassy Bancorp, Inc.US flagOther OTC
22.55
USD
-0.03
- -
167.20MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.14
3.26
3.55
3.75
4.16
4.54
4.74
5.37
6.06
6.41
5.45
5.14
5.95
6.19
Basic EPS, GAAP
0.76
0.87
1.01
0.96
0.98
1.35
1.46
1.71
2.23
2.34
1.67
1.37
1.79
1.91
Free Cash Flow per Basic Share
1.01
1.01
0.97
1.16
1.33
1.58
1.81
1.56
1.83
2.54
2.46
1.21
1.6
1.87
Dividend per Share
0.05
0.06
0.1
0.13
0.14
0.17
0.2
0.22
0.3
0.35
0.4
0.42
0.48
- -
Book Value per Share
4.11
4.89
5.77
6.58
7.4
8.56
9.81
11.32
13.19
15.13
16.29
17.21
18.49
19.04
Tangible Book Value per Share
7.44
8.36
9.24
9.88
10.71
11.67
13.33
15.02
16.3
11.68
13.9
13.98
16.71
16.4
Basic Weighted Avg Shares
7
7
7
7
7
7
7
7
8
8
8
8
8
8
Sales/Revenue/Turnover
23
24
26
28
31
34
35
40
46
48
41
39
45
47
Operating Margin (%)
33.6
37.14
39.57
35.99
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
6
6
7
7
7
10
11
13
17
18
13
10
14
15
Effective Tax Rate (%)
27.94
27.9
28.46
28.51
38.31
18.47
18.65
18.57
19.5
19.51
18.11
16.54
17.47
17.64
Profit Margin (%)
24.21
26.78
28.31
25.73
23.55
29.72
30.71
31.94
36.82
36.57
30.53
26.68
30.18
30.89
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4
2
4
- -
- -
- -
- -
15
15
- -
- -
- -
- -
- -
Total Equity
54
61
68
73
80
87
100
112
123
88
106
106
128
125
Return on Invested Capital (%)
8.46
9.14
8.08
7.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
20.29
19.5
18.9
15.65
14.05
16.93
15.85
16.22
18.27
16.58
10.63
8.19
10.07
10.44

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
7
Market Capitalization
133
139
148

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
300
312
351
Accounts Receivable, Net
4
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
7
7
8
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.42%
4.31%
19.81%
Free Cash Flow
9.2%
7.36%
32.55%
Net Income, GAAP
8.4%
4.34%
31.2%
Sales/Revenue/Turnover
6.07%
3.17%
15.99%
Total Cash Common Dividend
17.79%
17.86%
14.69%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9
10
10
10
39
2025
10
11
12
12
45
2026
12
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.33
0.33
0.36
- -
1.37
2025
0.38
0.45
0.5
- -
1.79
2026
0.5
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.42
2025
- -
- -
- -
- -
0.48
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
David Lobach Jr.
Full Time Employees
114
Sector
Financial Services
Industry
Banks - Regional
Address
100 Gateway Drive Bethlehem PA United States of America 18017-9423
IPO Date
Jan 31, 2012
Business
Embassy Bancorp, Inc. Embassy Bancorp, Inc. (OTCQX: EMYB) serves as the bank holding company for Embassy Bank for the Lehigh Valley, a full-service community bank that provides a broad range of banking and financial products and services to individual, business, and government customers primarily in the Lehigh Valley region of Pennsylvania. The bank offers deposit products including time, savings, money market, and demand deposits; checking accounts, individual retirement accounts, NOW accounts, and certificates of deposit; as well as lending solutions such as secured fixed and variable rate loans, commercial lending, consumer lending encompassing mortgage loans, first-time home buyer mortgages, secured home equity loans, lines of credit, auto loans, and unsecured personal loans, residential mortgage loans, and commercial mortgage and construction loans. Additional services include ACH origination, bank by mail, cash management, credit and debit card merchant processing, escrow management, fraud detection, night depository, person-to-person payments, personal financial management, positive pay, remote deposit capture, savings bond redemption, wire transfers, and direct deposit/ACH services; further complemented by automated teller machines, treasurer and certified checks, ATM and debit cards, safe deposit boxes, commercial and consumer credit cards, gift cards, mobile banking, online banking, and bill pay. Founded in 2001 and headquartered at 100 Gateway Drive, Suite 100, in Bethlehem, Pennsylvania, the company operates through ten branch offices in the Lehigh Valley area and employs approximately 112 people. In October 2025, Embassy Bancorp announced and authorized its first stock repurchase program for up to $5 million of its common stock, effective October 31, 2025, reflecting confidence in its capital strength, balance sheet, and long-term shareholder value as stated by Chairman, President, and CEO David M. Lobach.

Company News

APIChatGPT
  • Embassy Bancorp, Inc. Announces Annual Cash Dividend

  • Embassy Bancorp, Inc. Announces Annual Cash Dividend

  • Embassy Bancorp, Inc. Announces Expansion of its Stock Repurchase Program

  • Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months Ended March 31, 2026

  • Embassy Bancorp (OTCMKTS:EMYB) & Avidia Bancorp (NYSE:AVBC) Head-To-Head Review

  • Embassy Bank Honored as “Best Bank & Mortgage Company” for Fifth Consecutive Year

  • Embassy Bancorp, Inc. Announces Promotion of Jeffrey Skumin to Chief Financial Officer

  • Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Nine Months Ended September 30, 2025

  • Embassy Bancorp, Inc. Announces Stock Repurchase Program

  • Embassy Bank for the Lehigh Valley Named “Best Bank” in The Morning Call's 2025 Readers' Choice Awards For the 11th Time

  • Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Six Months Ended June 30, 2025

  • Embassy Bank Appoints Adrienne Kwiatek-Holub to Vice President of Business Banking

  • Embassy Bancorp, Inc. Announces Annual Cash Dividend

  • Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months Ended March 31, 2025

  • Embassy Bank Honored as “Best Bank & Mortgage Company” in Lehigh Valley for Fourth Consecutive Year

  • Embassy Bancorp, Inc. Announces Results of Operations for the Year Ended December 31, 2024

  • Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Nine Months ended September 30, 2024

  • Embassy Bank voted the 2024 Morning Call Readers' Choice “Best Bank” and Grows Market Share in Lehigh & Northampton Counties Combined with Year over Year Deposit Growth

  • Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Six Months ended June 30, 2024

  • Embassy Bancorp, Inc. Announces Annual Cash Dividend