EMYB
Embassy Bancorp, Inc.Company Information
- Company Name
- Embassy Bancorp, Inc.
- CIK
- CIK0001449794
- Category
- Non-accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- EMYB: OTC
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- EMYB
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-08-28
- Last sale
- 2026-09-23
- Shares purchased (TTM)
- 15,202
- Shares sold (TTM)
- 7,100
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 152,938
- Shares outstanding
- 7,412,390
- Ownership
- 2.06%
Earnings Market Reaction
- Filing date
- 2026-08-13
- Price on filing date
- —
- 1-month reaction
- -0.89%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 17 | 15 | 13 | 17 | 18 | 24 | 16 | 17 | 18 | 15 | 16 | 16 | ||||||
| Interest Bearing Deposits In Banks | 115 | 126 | 98 | 90 | 73 | 73 | 79 | 74 | 117 | 44 | 62 | 61 | ||||||
| Federal Funds Sold | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | ||||||
| Cash Cash Equivalents And Federal Funds Sold | 133 | 142 | 113 | 108 | 92 | 98 | 97 | 92 | 136 | 60 | 79 | 78 | ||||||
| Available For Sale Securities Debt Securities | 348 | 350 | 342 | 334 | 328 | 327 | 281 | 308 | 259 | 266 | 276 | 295 | ||||||
| Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 1,237 | ||||||
Assets | ||||||||||||||||||
| Assets | 1,859 | 1,842 | 1,801 | 1,778 | 1,759 | 1,754 | 1,704 | 1,715 | 1,717 | 1,653 | 1,656 | 1,676 | ||||||
| Notes Receivable Net | 1,308 | 1,284 | 1,279 | 1,268 | 1,270 | 1,261 | 1,256 | 1,247 | 1,250 | 1,259 | 1,242 | - | ||||||
| Property Plant And Equipment Net | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | ||||||
| Bank Owned Life Insurance | 39 | 38 | 38 | 38 | 37 | 37 | 37 | 36 | 36 | 36 | 26 | 26 | ||||||
| Interest Receivable | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 3 | ||||||
| Other Assets | 23 | 20 | 20 | 22 | 24 | 24 | 26 | 24 | 28 | 24 | 24 | 29 | ||||||
Liabilities | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities Domestic | 403 | 370 | 357 | 336 | 350 | 349 | 351 | 331 | 352 | 337 | 329 | 321 | ||||||
Deposits | ||||||||||||||||||
| Deposits | 1,694 | 1,682 | 1,640 | 1,621 | 1,610 | 1,612 | 1,553 | 1,535 | 1,568 | 1,509 | 1,476 | 1,472 | ||||||
| Interest Bearing Deposit Liabilities Domestic | 1,290 | 1,312 | 1,283 | 1,285 | 1,260 | 1,263 | 1,202 | 1,205 | 1,216 | 1,172 | 1,148 | 1,152 | ||||||
| Securities Sold Under Agreements To Repurchase | 8 | 13 | 10 | 12 | 8 | 7 | 5 | 18 | 20 | 17 | 15 | 11 | ||||||
| Short Term Bank Loans And Notes Payable | - | - | - | - | - | - | 16 | 22 | - | - | 35 | 83 | ||||||
| Interest Payable Current And Noncurrent | 7 | 8 | 7 | 7 | 7 | 7 | 8 | 8 | 8 | 6 | 8 | 7 | ||||||
| Other Liabilities | 22 | 15 | 16 | 16 | 19 | 16 | 17 | 17 | 19 | 16 | 17 | 17 | ||||||
| Liabilities | 1,731 | 1,717 | 1,673 | 1,656 | 1,645 | 1,642 | 1,598 | 1,601 | 1,614 | 1,549 | 1,551 | 1,590 | ||||||
Stockholders Equity Including Portion Attributable To Noncontrolling Interest | ||||||||||||||||||
| Common Stock Value | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | ||||||
| Additional Paid In Capital | 30 | 30 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 28 | 28 | ||||||
| Retained Earnings Accumulated Deficit | 137 | 137 | 133 | 130 | 126 | 126 | 123 | 121 | 118 | 119 | 116 | 113 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -39 | -42 | -38 | -42 | -46 | -48 | -51 | -40 | -49 | -48 | -44 | -61 | ||||||
| Treasury Stock Value | -8 | -8 | -5 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | -3 | ||||||
| Stockholders Equity | 128 | 125 | 128 | 122 | 114 | 112 | 106 | 114 | 103 | 104 | 106 | 86 | ||||||
| Liabilities And Stockholders Equity | 1,859 | 1,842 | 1,801 | 1,778 | 1,759 | 1,754 | 1,704 | 1,715 | 1,717 | 1,653 | 1,656 | 1,676 | ||||||
| Financing Receivable Allowance For Credit Losses | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 13 | 12 | 12 | ||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | - | 12 | ||||||
| Common Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Common Stock Shares Authorized | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | ||||||
| Common Stock Shares Issued | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | ||||||
| Shares Outstanding | 7 | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | ||||||
| Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialEmbassy Bancorp, Inc. (EMYB) — SEC Financial Statements & Analysis
Embassy Bancorp, Inc. (EMYB) is a state commercial banks company, incorporated in PA. Embassy Bancorp, Inc. trades on OTC as: EMYB. Embassy Bancorp, Inc. (EMYB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-13. Based on that filing, Embassy Bancorp, Inc. carries a market cap of $159.96M, a P/E ratio of 10.50x, a P/B ratio of 1.25x, a P/S ratio of 2.15x, an enterprise value of $27.02M, and an EV/EBITDA multiple of -1.04x. On profitability, it posts a gross margin of 61.33%, an operating margin of 24.86%, a net margin of 20.44%, a Return on Equity (ROE) of 12.57%, and a Return on Invested Capital (ROIC) of -155.58%. Per share, it reports EPS of $2.06, diluted EPS of $2.06, free cash flow per share of $2.05, and a dividend per share of $1.04. Over the trailing year, it posted revenue growth of 8.96% year-over-year, net income growth of 29.81% year-over-year, and EPS growth of 33.87% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.59x, free cash flow of $15.22M (TTM), and net debt of $-132.94M. Figures sourced from SEC EDGAR.
- Market Cap
- $159.96M
- P/E TTM
- 10.50x
- EPS TTM
- $2.06
- P/B TTM
- 1.25x
- ROE TTM
- 12.57%
- Free Cash Flow TTM
- $15.22M
- Net Revenue TTM Growth 1Y
- 8.96%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Embassy Bancorp, Inc. in?
Embassy Bancorp, Inc. (EMYB) operates in the State Commercial Banks industry.
What exchange does EMYB trade on?
Embassy Bancorp, Inc. (EMYB) trades on the OTC.
Where is Embassy Bancorp, Inc. incorporated?
Embassy Bancorp, Inc. is incorporated in PA.
When was Embassy Bancorp, Inc. (EMYB)'s most recent SEC filing?
Embassy Bancorp, Inc. (EMYB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-13.
What is EMYB's market cap?
Embassy Bancorp, Inc. (EMYB) has a market capitalization of $159.96M as of 2026-06-30.
What is EMYB's P/E ratio?
Embassy Bancorp, Inc. (EMYB)'s trailing twelve month P/E ratio is 10.50x as of 2026-06-30.
What is EMYB's EPS (earnings per share)?
Embassy Bancorp, Inc. (EMYB)'s trailing twelve month EPS is $2.06 as of 2026-06-30.
What is EMYB's ROE (return on equity)?
Embassy Bancorp, Inc. (EMYB)'s trailing twelve month Return on Equity (ROE) is 12.57% as of 2026-06-30.
What is EMYB's ROIC (return on invested capital)?
Embassy Bancorp, Inc. (EMYB)'s trailing twelve month Return on Invested Capital (ROIC) is -155.58% as of 2025-12-31.
What is EMYB's EV/EBITDA?
Embassy Bancorp, Inc. (EMYB)'s trailing twelve month EV/EBITDA is -1.04x as of 2026-06-30.