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Home CompaniesEmbassy Bancorp Inc

Embassy Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
20.9 USD 0.00(0%)
Last update at 2026-11-11T21:00:00Z
VOLUME
200
Market Cap
164.33M
P/E
11.04

Momentum Score

…

Embassy Bancorp, Inc. operates as the bank holding company for Embassy Bank for the Lehigh Valley that provides banking and financial products and services in Pennsylvania. The company offers checking, savings, money market, and time deposits, as well as individual retirement accounts; secured fixed and variable rate loans; commercial lending; consumer lending, including fixed and variable-rate home equity, auto, and unsecured personal loans, as well as lines and overdraft lines of credit; and residential and commercial mortgage/construction loans. It also provides other services, such as ACH origination; ATM and debit cards; automated teller machines; bank by mail; cash management services; certified checks; commercial and consumer credit cards; credit/debit card merchant processing; direct deposit/ACH services; escrow management services; and fraud detection services. In addition, the company offers gift cards; mobile banking; night depository services; on-line banking and bill pay; person to person payments; personal financial management; positive pay; remote deposit capture; safe deposit boxes; savings bond redemptions; treasurer checks; and wire transfers. It serves individuals, businesses, and government customers. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
20.75
Low
20.90
High
52 Week Price Range
16.64
Low
22.75
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public disclosures on Embassy Bancorp Inc (EMYB) are limited; the company is an OTCQX-listed bank holding company that appears to provide regional banking services. Long-term growth may be supported by local loan and deposit expansion, movements in net interest margins, and expense management. Investors may find the company attractive for exposure to a small regional banking franchise that could benefit from local economic trends.

Material risks include limited public information and thin trading liquidity on OTC markets, sensitivity to interest-rate and credit cycles, regulatory oversight and regional loan concentration.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
20.90
Dividend Yield
2.48%
Revenue TTM
48.54M
Revenue Per Share
6.43
Gross Profit TTM
48.54M
Debt / Equity
-
ROE
12.57%
Net Debt
-
ROCE
18.62%
Diluted EPS TTM
2.01

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 16.60M 12.51M 15.46M 21.99M 20.85M
Net income 13.70M 10.44M 12.66M 17.70M 16.79M
Selling general administrative 16.75M 15.97M 15.52M 25.74M 24.13M
Gross profit - - - 47.73M 44.98M
Reconciled depreciation 1.06M 1.15M 0.92M 0.88M 0.86M
Ebit - - - 21.99M 20.85M
Operating income - - - 21.99M 20.85M
Other operating expenses - - - 2.21M 2.11M
Interest expense 29.04M 28.79M 18.12M 4.10M 4.01M
Tax provision 2.90M 2.07M 2.80M 4.29M 4.07M
Interest income 71.46M 64.97M 57.16M 50.38M 47.51M
Net interest income 42.42M 36.18M 39.04M 46.28M 43.49M
Income tax expense - - - 4.29M 4.07M
Total revenue 45.38M 39.12M 41.45M 47.73M 44.98M
Total operating expenses - - - 25.74M 24.13M
Net income from continuing ops 13.70M 10.44M 12.66M 17.70M 16.79M
Net income applicable to common shares - - - 17.70M 16.79M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1800.58M 1704.42M 1656.50M 1640.23M 1633.19M
Other current assets - - - 2.93M 2.60M
Total liab 1673.00M 1597.94M 1550.84M 1551.95M 1510.68M
Total stockholder equity 127.58M 106.48M 105.66M 88.28M 122.52M
Other current liab - - - 1521.11M 1467.03M
Common stock - - - 7.74M 7.69M
Capital stock 7.82M 7.79M 7.76M 7.74M 7.69M
Retained earnings 133.29M 123.26M 116.02M 106.55M 91.49M
Other liab - - - 9.13M 17.10M
Other assets - - - 1241.97M 1146.64M
Cash 111.86M 95.52M 77.92M 67.30M 169.69M
Total current liabilities - - - 1522.09M 1467.68M
Short long term debt 0.00M 15.62M 35.00M - -
Other stockholder equity - - - -51.11M -1.19M
Property plant equipment - - - 3.84M 3.99M
Total current assets - - - 70.22M 172.29M
Long term investments 200.53M 128.43M 276.06M 1513.16M 1406.82M
Net tangible assets - - - 88.28M 122.52M
Short term investments 200.53M 128.43M 276.06M 316.99M 310.26M
Net receivables 4.28M 3.60M 3.30M 2.93M 2.60M
Long term debt - - - - 14.65M
Accounts payable 7.20M 7.81M 7.84M 0.99M 0.65M
Common stock total equity - - - 7.74M 7.69M
Retained earnings total equity - - - 106.55M 91.49M
Treasury stock - - - -2.54M -2.44M
Non currrent assets other - - - 53.01M 50.09M
Non current assets total - - - 1570.01M 1460.90M
Long term debt total - - - - 14.65M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -44.18M -12.62M 50.87M -170.19M -202.87M
Change to liabilities - - - -0.29M -1.90M
Total cashflows from investing activities - - - -161.32M -156.21M
Net borrowings -15.62M -19.38M 35.00M -12.52M -2.36M
Total cash from financing activities 71.13M 43.81M -11.12M 39.01M 178.75M
Change to operating activities - - - 1.49M -1.10M
Net income 13.70M 10.44M 12.66M 17.70M 16.79M
Change in cash 16.34M 17.60M 11.63M -102.40M 37.78M
Begin period cash flow 96.52M 78.92M 67.30M 169.69M 131.91M
End period cash flow 112.86M 96.52M 78.92M 67.30M 169.69M
Total cash from operating activities 12.83M 9.94M 19.50M 19.91M 15.25M
Depreciation 1.06M 1.15M 0.92M 0.66M 1.06M
Other cashflows from investing activities - - - 9.59M 48.17M
Dividends paid 3.67M 3.20M 3.04M 2.64M 2.25M
Change to account receivables -0.67M -0.31M -0.37M -0.32M 0.53M
Sale purchase of stock -1.92M -0.07M -0.13M 0.09M -0.49M
Other cashflows from financing activities - - - 54.08M 183.85M
Change to netincome - - - 0.55M 0.38M
Capital expenditures 0.63M 0.74M 0.81M 0.72M 1.51M
Change receivables - - - -0.32M 0.53M
Cash flows other operating - - - 1.61M -1.61M
Cash and cash equivalents changes - - - -102.40M 37.78M
Change in working capital -0.34M 0.24M 6.68M 1.16M -0.57M
Stock based compensation 0.38M 0.52M 0.57M 0.53M 0.43M
Other non cash items -1.35M -1.31M -0.74M -0.52M -0.71M
Free cash flow 12.20M 9.21M 18.69M 19.19M 13.74M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
EMYB
Embassy Bancorp Inc		 -
-%		 20.90 11.04 - 3.39 1.28 3.36
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

Embassy Bancorp Inc

Embassy Bancorp, Inc. operates as the bank holding company for Embassy Bank for the Lehigh Valley that provides banking and financial products and services in Pennsylvania. The company offers checking, savings, money market, and time deposits, as well as individual retirement accounts; secured fixed and variable rate loans; commercial lending; consumer lending, including fixed and variable-rate home equity, auto, and unsecured personal loans, as well as lines and overdraft lines of credit; and residential and commercial mortgage/construction loans. It also provides other services, such as ACH origination; ATM and debit cards; automated teller machines; bank by mail; cash management services; certified checks; commercial and consumer credit cards; credit/debit card merchant processing; direct deposit/ACH services; escrow management services; and fraud detection services. In addition, the company offers gift cards; mobile banking; night depository services; on-line banking and bill pay; person to person payments; personal financial management; positive pay; remote deposit capture; safe deposit boxes; savings bond redemptions; treasurer checks; and wire transfers. It serves individuals, businesses, and government customers. The company was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.

One Hundred Gateway Drive, Bethlehem, PA, United States, 18017

610 882 8800

https://embassybank.com

122

Name Title Year Born
Mr. David M. Lobach Jr. Chairman, Pres & CEO 1950
Ms. Judith A. Hunsicker First Exec. Officer, CFO, COO, Sec. & Treasurer 1961
Mr. James R. Bartholomew Sr. EVP & Sr. Lending Officer of Commercial Lending, Commercial Service and Private Banking 1954
Ms. Lynne Marie Neel Exec. VP, Controller, Deposit Operation, Fin., IR, Loan Operation & Assistant Sec. 1962
Ms. Diane Maria Cunningham Exec. VP of Consumer Lending, Branch Admin. & Marketing 1968
Mr. Mark A. Casciano Sr. VP of Strategic Initiatives NA
Ms. Tracy A. Barker Sr. VP of Bank Secrecy Officer NA
David C. Arner Sr. VP of Facilities & Security NA
Desty A. Bonstein Sr. VP of Private Banking NA
Scott A. Karwacki Sr. VP of Credit Analysis NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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