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Embassy Bancorp(OTC) EMYB

Market Cap$165.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2010)+375%
5 Year+33%
1 Year+40%
1 Month-1%
$22.35
+0.00%
+0.00Today
Embassy Bancorp last closing stock price
MetricPriceDate
Last closeUSD 22.352026-08-20
Embassy Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.4%USD 22.442026-08-12
1 month-0.89%USD 22.552026-07-21
3 month+11.01%USD 20.132026-05-22
Year to date+25.96%USD 17.742025-12-31
1 year+40.29%USD 15.932025-08-20
3 year+62.45%USD 13.762023-08-21
5 year+32.62%USD 16.852021-08-20
Since inception+375%USD 4.712010-08-05

Embassy Bancorp Financials at a Glance

Market Cap

$165.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$77.94M

Net Income (TTM)

$15.24M

EPS (TTM)

$2.02

P/E Ratio

11.07

Dividend

$0.55

Beta (Volatility)

0.05 (Low)

Price

$22.35

Volume

6,061

Open

$22.05

Previous Close

$22.35

Daily Range

$22.05 - $22.35

52-Week Range

$16.70 - $22.75

Estimated Earnings Date

May 13, 2026

EMYB News

No articles available.

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About Embassy Bancorp

Embassy Bancorp offers everyday banking services for people and businesses in Pennsylvania. Customers use its accounts to save, pay bills, and get loans. The bank helps local businesses manage cash and provides mortgages for homebuyers.

Money Matters: Embassy’s Main Offerings

  • Deposit Accounts: Savings, checking, and certificates of deposit for individuals, businesses, and local governments. (Revenue breakdown not disclosed)
  • Loan Products: Home mortgages, business loans, and construction loans, mainly for local customers. (Residential real estate loans: 52.88% of total loans as of June 2025)
  • Consumer Lending: Home equity, auto, and personal loans for individuals. (Consumer loans: 0.04% of total loans as of June 2025)
  • Business Services: Cash management, wire transfers, and merchant card processing for local companies. (Revenue breakdown not disclosed)
  • Digital and Branch Banking: Online banking, mobile apps, and a network of branches in the Lehigh Valley. (Revenue breakdown not disclosed)

Branching Out: Growth Moves and Milestones

  • Expanded digital banking and online services in 2024 and 2025.
  • Purchased $81.5 million in government bonds in the first half of 2025.
  • Upgraded core banking software and accounting systems in 2025.
  • No major acquisitions or new branch openings reported since 2023.

Why Embassy Stands Out (Without the Red Carpet)

Embassy focuses on community banking, serving the Lehigh Valley with local decision-making. The bank keeps a conservative risk profile, with most loans backed by real estate. Its capital ratios are above regulatory minimums, supporting stability and growth.

Five Things You Need to Know

  • Total revenue was $19 million in Q2 2025, up 10.8% from Q2 2024.
  • Net income reached $3 million in Q2 2025, up 37.9% year-over-year.
  • Deposits grew to $1.61 billion by June 2025, up $57.2 million since December 2024.
  • Residential real estate loans made up 52.88% of the loan portfolio in June 2025.
  • Non-performing loans were 0.04% of total loans as of June 2025.

Bottom Line

Embassy has grown by focusing on local customers and steady banking services. Its conservative approach and strong capital position support ongoing stability in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

114

CEO

David M. Lobach, Jr.

Website

www.embassybank.com

Headquarters

Bethlehem, PA 18017, US

EMYB Financials

Key Financial Metrics (TTM)

Gross Margin

62.19%

Operating Margin

23.77%

Net Income Margin

19.55%

Return on Equity

12.12%

Return on Capital

11.69%

Return on Assets

0.82%

Earnings Yield

9.03%

Dividend Yield

2.46%

Payout Ratio

50.81%

Stock Overview

Market Cap

$165.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

7.41M

Volume

6.06K

Avg. Volume

3.72K

Financials (TTM)

Gross Profit

$48.47M

Operating Income

$18.53M

EBITDA

$19.36M

Operating Cash Flow

$15.89M

Capital Expenditure

$255.00K

Free Cash Flow

$16.14M

Cash & ST Invst.

$364.64M

Total Debt

$7.75M

Embassy Bancorp Performance Analysis

Embassy Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 52,728,0005.7%
20232023-12-31USD 59,786,00013.4%
20242024-12-31USD 68,156,00014.0%
20252025-12-31USD 74,721,0009.6%
Embassy Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.7%
Q42025-12-311.5%
Q12026-03-31-0.7%
Q22026-06-305.6%
Embassy Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.345.2%
20232023-12-31USD 1.67-28.8%
20242024-12-31USD 1.37-17.7%
20252025-12-31USD 1.7930.9%
Embassy Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3011.1%
Q42025-12-31-6.0%
Q12026-03-314.3%
Q22026-06-3010.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$20.30M

+9.3%

Gross Profit

$12.78M

+11.6%

Gross Margin

62.92%

N/A

Market Cap

$165.52MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.36M

N/A

Employees

122

N/A

Net Income

$4.12M

+20.0%

EBITDA

$4.99M

+13.6%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$364.64M

+32.7%

Total Debt

$7.75M

-2.3%

Accounts Receivable

$4.45M

+8.4%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$7.75M

-2.3%

Return on Assets

0.82%

N/A

Return on Invested Capital

1.00%

N/A

Free Cash Flow

$3.36M

+70.4%

Operating Cash Flow

$3.18M

+39.8%

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Questions About EMYB

What is the current price of Embassy Bancorp?

Embassy Bancorp is trading at $22.35 per share.

What is the 52-week range for Embassy Bancorp?

Over the past 52 weeks, Embassy Bancorp has traded between $16.70 and $22.75.

How much debt does Embassy Bancorp have?

As of the most recent reporting period, Embassy Bancorp reported total debt of $7.75M.

How much cash does Embassy Bancorp have on hand?

Embassy Bancorp does not have cash on hand data available.

What is Embassy Bancorp’s dividend yield?

Embassy Bancorp currently has a dividend yield of 2.46%.

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