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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
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 |
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
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.
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