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EMYB · Embassy Bancorp Inc.
OTC MARKETS - Real Time Price • USD
$21.00
-0.25
(-1.18%)
● Pre-market
DAY'S RANGE
$21.00
$21.00
$21.00
52-WEEK RANGE
$21.00
$17.07
$22.75
What's happening
- EMYB is down 1.18% today, trading at $21.00. — Live quote
- Reports earnings on 2026-11-11, 20 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
EMYB
+16.76%
vs S&P 500
+9.06%
1-YEAR RETURN
EMYB
-25.50%
vs S&P 500
-35.15%
6-MONTH RETURN
EMYB
+15.87%
3-MONTH RETURN
EMYB
-1.16%
Valuation Measures & Ratios
Enterprise Value4$165.1M
Forward P/E5—
PEG Ratio60.34
Price / Sales (TTM1)2.40
Price / Book71.25
EV4 / Revenue—
EV4 / EBITDA—
Profit Margin32.91%
Operating Margin40.49%
Return on Equity (ROE8)12.12%
Return on Assets (ROA9)0.84%
Avg Volume (3M)5,110
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Shares Short500
Change from Prior Settlement+1462.50%
% of Float—
Days to Cover (Short Ratio)1.00
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 11.6% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is 32.9%. Finnhub fundamentals ↗
Potential concerns
- Trailing 52-week price return is -25.5%. Finnhub market metrics ↗
- Latest SEC filing is Form 4, filed 2026-09-24; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on EMYB
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Net income | $4.1M | $3.7M | $3.8M | $3.4M | $2.9M | $2.7M | $2.5M | $2.5M |
| EPS (diluted) | $0.56 | $0.50 | $0.50 | $0.45 | $0.38 | $0.36 | $0.33 | $0.33 |
| EPS (basic) | $0.56 | $0.50 | $0.50 | $0.45 | $0.38 | $0.36 | $0.33 | $0.33 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.86B | $1.84B | $1.80B | $1.78B | $1.76B | $1.75B | $1.70B | $1.72B |
| Total liabilities | $1.73B | $1.72B | $1.67B | $1.66B | $1.65B | $1.64B | $1.60B | $1.60B |
| Stockholders' equity | $128.1M | $124.8M | $127.6M | $122.4M | $114.3M | $112.4M | $106.5M | $114.5M |
| Cash & equivalents | — | — | — | — | — | — | — | — |
| Property, plant & equipment | $2.7M | $2.8M | $2.9M | $3.0M | $3.2M | $3.1M | $3.3M | $3.4M |
| Short-term debt | — | — | — | — | — | — | — | — |
| Long-term debt | — | — | — | — | — | — | — | — |
| Common stock & paid-in capital | $7.8M | $7.8M | $7.8M | $7.8M | $7.8M | $7.8M | $7.8M | $7.8M |
| Retained earnings | $137.1M | $137.0M | $133.3M | $129.7M | $125.9M | $126.1M | $123.3M | $120.6M |
| Accumulated other comprehensive income (loss) | -$38.6M | -$42.0M | -$38.1M | -$41.5M | -$45.8M | -$47.9M | -$50.6M | -$39.9M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.2M | $4.8M | $3.9M | $4.0M | $2.3M | $2.7M | $2.2M | $5.7M |
| Investing cash flow | -$18.8M | -$17.3M | -$14.6M | $1.3M | -$7.8M | -$46.5M | $4.3M | -$34.6M |
| Financing cash flow | $6.7M | $41.5M | $15.6M | $10.9M | -$514.0K | $45.2M | -$1.8M | -$15.1M |
| Free cash flow | $2.9M | $4.7M | $3.8M | $3.9M | $2.0M | $2.6M | $1.9M | $5.5M |
| Capital expenditures | $243.0K | $175.0K | $128.0K | $121.0K | $305.0K | $78.0K | $252.0K | $157.0K |
| Depreciation & amortization | — | — | — | — | — | — | — | — |
| Deferred income taxes | — | — | -$76.0K | — | — | — | -$46.0K | — |
| Purchases of investments | $5.0M | $34.3M | $12.4M | $15.0M | $15.0M | $66.5M | $0 | $44.3M |
| Sales/maturities of investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends paid | — | — | $0 | $3.7M | — | — | $0 | $3.2M |
| Share repurchases | — | — | $11.0K | — | — | — | $72.0K | — |
| Debt issued | — | — | — | — | — | — | — | — |
| Debt repaid | — | — | — | — | — | — | — | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Net income | $13.7M | $10.4M | $12.7M | $17.7M | $16.8M |
| EPS (diluted) | $1.79 | $1.37 | $1.67 | $2.34 | $2.22 |
| EPS (basic) | $1.79 | $1.37 | $1.67 | $2.34 | $2.23 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $1.80B | $1.70B | $1.66B | $1.64B | $1.63B |
| Total liabilities | $1.67B | $1.60B | $1.55B | $1.55B | $1.51B |
| Stockholders' equity | $127.6M | $106.5M | $105.7M | $88.3M | $122.5M |
| Cash & equivalents | — | — | — | — | — |
| Property, plant & equipment | $2.9M | $3.3M | $3.7M | $3.8M | $4.0M |
| Short-term debt | — | — | — | — | — |
| Long-term debt | — | — | — | — | $14.7M |
| Common stock & paid-in capital | $7.8M | $7.8M | $7.8M | $7.7M | $7.7M |
| Retained earnings | $133.3M | $123.3M | $116.0M | $106.6M | $91.5M |
| Accumulated other comprehensive income (loss) | -$38.1M | -$50.6M | -$43.7M | -$51.1M | -$1.2M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $12.8M | $9.9M | $19.5M | $19.9M | $15.2M |
| Investing cash flow | -$67.6M | -$36.2M | $3.3M | -$161.3M | -$156.2M |
| Financing cash flow | $71.1M | $43.8M | -$11.1M | $39.0M | $178.7M |
| Free cash flow | $12.2M | $9.2M | $18.7M | $19.2M | $13.7M |
| Capital expenditures | $632.0K | $739.0K | $806.0K | $719.0K | $1.5M |
| Depreciation & amortization | — | — | — | — | — |
| Deferred income taxes | -$76.0K | -$46.0K | -$84.0K | -$348.0K | -$258.0K |
| Purchases of investments | $108.9M | $44.3M | $4.9M | $93.3M | $236.2M |
| Sales/maturities of investments | $0 | $0 | $0 | $0 | $3.3M |
| Dividends paid | $3.7M | $3.2M | $3.0M | $2.6M | $2.3M |
| Share repurchases | $11.0K | $72.0K | $132.0K | $100.0K | $670.0K |
| Debt issued | — | — | — | — | — |
| Debt repaid | — | — | — | $14.7M | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding EMYB as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-02-10 to 2026-09-23
Recent transactions
- Insiders have net bought 4,552 shares over the last 182 days, across 18 purchases and 3 sales.
- Most recent: Boyer Geoffrey F (Director) — Open market sale of 300 shares on 2026-09-23.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Purchases (open market)6,752 sh(18 txns)
Sales (open market)2,200 sh(3 txns)
Net Shares+4,552
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Boyer Geoffrey F | Director | Open market sale | 2026-09-23 | 300 |
| Lobach David M Jr | Chairman, President and CEO | Grant / award | 2026-09-18 | 2,784 |
| Hunsicker Judith A | FEO, COO | Grant / award | 2026-09-18 | 1,931 |
| Lesavoy Bernard M | Director | Open market purchase | 2026-08-26 | 746 |
| Macy Michael B | EVP, CLO Business Banking | Open market purchase | 2026-06-15 | 1,000 |
| Neel Lynne Marie | Sr. Executive Vice President | Open market purchase | 2026-06-15 | 350 |
| Skumin Jeffrey C. | EVP, CFO | Open market purchase | 2026-06-15 | 50 |
| Yurconic John T | Director | Open market purchase | 2026-06-15 | 500 |
| Smith Patti Gates | Director | Grant / award | 2026-02-10 | 1,812 |
| Pittman John C | Director | Grant / award | 2026-02-10 | 1,812 |
| BANKO FRANK III | Director | Grant / award | 2026-02-10 | 3,346 |
| ENGLESSON JOHN G | Director | Grant / award | 2026-02-10 | 1,812 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-09-23 | Boyer Geoffrey F | Director | Open market sale | 300 | $21.80 |
| 2026-09-23 | Boyer Geoffrey F | Director | Open market sale | 800 | $21.60 |
| 2026-09-22 | Boyer Geoffrey F | Director | Open market sale | 1,100 | $21.95 |
| 2026-09-18 | Lobach David M Jr | Chairman, President and CEO | Grant / award | 2,784 | $0.00 |
| 2026-09-18 | Hunsicker Judith A | FEO, COO | Grant / award | 1,931 | $0.00 |
| 2026-08-28 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $22.30 |
| 2026-08-26 | Lesavoy Bernard M | Director | Open market purchase | 746 | $22.30 |
| 2026-08-26 | Lesavoy Bernard M | Director | Open market purchase | 600 | $22.30 |
| 2026-08-26 | Lesavoy Bernard M | Director | Open market purchase | 100 | $22.20 |
| 2026-08-18 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 500 | $22.39 |
| 2026-08-18 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 500 | $22.15 |
| 2026-08-18 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 500 | $22.39 |
| 2026-08-18 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 500 | $22.39 |
| 2026-06-15 | Macy Michael B | EVP, CLO Business Banking | Open market purchase | 1,000 | $21.45 |
| 2026-06-15 | Neel Lynne Marie | Sr. Executive Vice President | Open market purchase | 350 | $21.45 |
| 2026-06-15 | Skumin Jeffrey C. | EVP, CFO | Open market purchase | 50 | $21.45 |
| 2026-06-15 | Yurconic John T | Director | Open market purchase | 500 | $21.45 |
| 2026-06-15 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 500 | $21.45 |
| 2026-06-15 | Lesavoy Bernard M | Director | Open market purchase | 100 | $21.45 |
| 2026-06-08 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 400 | $21.00 |
| 2026-06-08 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $21.15 |
| 2026-06-04 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $20.61 |
| 2026-05-18 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 106 | $20.30 |
| 2026-03-23 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $19.65 |
| 2026-03-23 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $19.58 |
| 2026-03-19 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 200 | $19.80 |
| 2026-03-19 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 150 | $19.70 |
| 2026-03-19 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 300 | $19.80 |
| 2026-03-19 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $19.79 |
| 2026-03-19 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 200 | $19.80 |
| 2026-03-19 | Lobach David M Jr | Chairman, President and CEO | Open market purchase | 100 | $19.70 |
| 2026-03-19 | Lesavoy Bernard M | Director | Open market purchase | 1,000 | $19.64 |
| 2026-03-19 | Lesavoy Bernard M | Director | Open market purchase | 750 | $19.70 |
| 2026-02-10 | Yurconic John T | Director | Grant / award | 3,625 | $0.00 |
| 2026-02-10 | Smith Patti Gates | Director | Grant / award | 1,812 | $0.00 |
| 2026-02-10 | Pittman John C | Director | Grant / award | 1,812 | $0.00 |
| 2026-02-10 | BANKO FRANK III | Director | Grant / award | 3,346 | $0.00 |
| 2026-02-10 | Lesavoy Bernard M | Director | Grant / award | 1,812 | $0.00 |
| 2026-02-10 | ENGLESSON JOHN G | Director | Grant / award | 1,812 | $0.00 |
| 2026-02-10 | Boyer Geoffrey F | Director | Grant / award | 1,812 | $0.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 06:30 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-09-24 | 4 | 2026-09-22 | View on SEC.gov → |
| 2026-09-21 | 4 | 2026-09-18 | View on SEC.gov → |
| 2026-09-21 | 4 | 2026-09-18 | View on SEC.gov → |
| 2026-08-31 | 4 | 2026-08-28 | View on SEC.gov → |
| 2026-08-26 | 4 | 2026-08-26 | View on SEC.gov → |
| 2026-08-19 | 4 | 2026-08-18 | View on SEC.gov → |
| 2026-08-13 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-08-11 | 8-K | 2026-08-07 | View on SEC.gov → |
| 2026-07-21 | 8-K | 2026-07-16 | View on SEC.gov → |
| 2026-06-18 | 8-K | 2026-06-17 | View on SEC.gov → |
| 2026-06-17 | 8-K | 2026-06-17 | View on SEC.gov → |
| 2026-06-17 | 8-K | 2026-06-17 | View on SEC.gov → |
Recent news
Headlines about EMYB (Embassy Bancorp Inc.). Links open the publisher — we don’t host full articles.
-
Embassy Bancorp, GAAP EPS of $1.05
Seeking Alpha · 2026-08-25 -
Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Six Months Ended June 30, 2026
Yahoo Finance · 2026-08-25 -
Embassy Bancorp, Inc. Ranked 94th Among Nation’s Top 200 Publicly Traded Community Banks by American Banker
Yahoo Finance · 2026-08-04 -
Embassy Bancorp, Inc. Announces Annual Cash Dividend
Yahoo Finance · 2026-06-17 -
Embassy Bancorp, Inc. Announces Expansion of its Stock Repurchase Program
Yahoo Finance · 2026-06-01 -
Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months Ended March 31, 2026
Yahoo Finance · 2026-05-21 -
Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months and Year Ended December 31, 2025
Yahoo Finance · 2026-03-24 -
Embassy Bancorp, Inc. Announces Promotion of Jeffrey Skumin to Chief Financial Officer
Yahoo Finance · 2025-12-05
No headlines in this category right now — try “All”.