EMYB
Embassy Bancorp, Inc.
Price Chart
Latest Quote
$21.75
+0.03 (+0.14%)
Current Price
| Previous Close | $21.72 |
| Open | $21.69 |
| Day High | $21.75 |
| Day Low | $21.69 |
| Volume | 5,620 |
Stock Information
| Shares Outstanding | 7.41M |
| Total Debt | $12.71M |
| Cash Equivalents | $141.83M |
| Revenue | $47.30M |
| Net Income | $14.55M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $161.26M |
| P/E Ratio | 11.39 |
| EPS (TTM) | $1.91 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $31.92M |
| Sales | $47.30M |
| Income | $14.55M |
| Book/sh | $16.83 |
| Cash/sh | $19.13 |
| Employees | 114 |
Financial Ratios
| EPS Growth TTM | 29.50% |
Returns & Margins
| ROA | 0.81% |
| ROE | 12.27% |
| Operating Margin | 41.45% |
| Profit Margin | 30.76% |
Ownership
| Insider Ownership | 30.45% |
| Institutional Ownership | 15.40% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.41 |
| P/B | 1.29 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $nan |
| SMA50 | $nan |
| SMA200 | $nan |
| RSI | 90.91 |
| ATR | nan |
| Shares Float | 4.47M |
| Volatility | 0.16 |
| Rel Volume | 1.69 |
Performance History
| Week | +1.21% |
| Month | +7.14% |
| Quarter | +10.41% |
| 6 Months | +20.10% |
| YTD | +19.51% |
| Year | +41.81% |
| 3 Years | +70.05% |
| 5 Years | +24.60% |
| 10 Years | +149.58% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $21.75 | 6,600 |
| 2026-06-17 | $21.72 | 600 |
| 2026-06-16 | $21.72 | 500 |
| 2026-06-15 | $21.47 | 0 |
| 2026-06-12 | $21.47 | 19,700 |
| 2026-06-11 | $21.49 | 100 |
| 2026-06-10 | $21.50 | 0 |
| 2026-06-09 | $21.50 | 4,300 |
| 2026-06-08 | $21.15 | 1,700 |
| 2026-06-05 | $21.20 | 0 |
| 2026-06-04 | $21.20 | 1,600 |
| 2026-06-03 | $20.70 | 0 |
| 2026-06-02 | $20.70 | 14,900 |
| 2026-06-01 | $20.73 | 0 |
| 2026-05-29 | $20.73 | 4,500 |
| 2026-05-28 | $20.83 | 0 |
| 2026-05-27 | $20.83 | 0 |
| 2026-05-26 | $20.83 | 1,800 |
| 2026-05-22 | $20.65 | 0 |
| 2026-05-21 | $20.65 | 11,200 |
| 2026-05-20 | $20.60 | 9,400 |
| 2026-05-19 | $20.30 | 0 |
About 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.
Period:
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $39,125,000 | $41,453,000 | $48,411,000 | $45,592,000 |
| Operating Revenue | $39,125,000 | $41,453,000 | $48,411,000 | $45,592,000 |
| Expenses | ||||
| Interest Expense | $28,787,000 | $18,118,000 | $4,103,000 | $4,012,000 |
| Selling And Marketing Expense | $928,000 | $986,000 | $809,000 | $987,000 |
| General And Administrative Expense | $15,039,000 | $14,532,000 | $13,871,000 | $12,704,000 |
| Professional Expense And Contract Services Expense | $1,098,000 | $1,073,000 | $934,000 | $834,000 |
| Other Non Interest Expense | $5,846,000 | $5,691,000 | $6,154,000 | $5,620,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Net Interest Income | $36,184,000 | $39,039,000 | $46,282,000 | $43,494,000 |
| Interest Income | $64,971,000 | $57,157,000 | $50,385,000 | $47,506,000 |
| Normalized Income | $10,440,000 | $12,656,000 | $17,702,000 | $16,703,085 |
| Net Income From Continuing And Discontinued Operation | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Net Income Common Stockholders | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Net Income | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Net Income Including Noncontrolling Interests | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Net Income Continuous Operations | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Pretax Income | $12,509,000 | $15,455,000 | $21,993,000 | $20,852,000 |
| Special Income Charges | - | - | $-936,000 | $-871,000 |
| Per Share | ||||
| Diluted EPS | $1.37 | $1.67 | $2.34 | $2.22 |
| Basic EPS | $1.37 | $1.67 | $2.34 | $2.23 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $20,085 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,147,000 | $915,000 | $883,000 | $864,000 |
| Diluted Average Shares | $7,614,258 | $7,599,729 | $7,571,228 | $7,554,785 |
| Basic Average Shares | $7,614,258 | $7,599,729 | $7,554,790 | $7,517,669 |
| Diluted NI Availto Com Stockholders | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Tax Provision | $2,069,000 | $2,799,000 | $4,291,000 | $4,066,000 |
| Selling General And Administration | $15,967,000 | $15,518,000 | $14,680,000 | $13,691,000 |
| Insurance And Claims | $793,000 | $760,000 | $468,000 | $555,000 |
| Salaries And Wages | $14,246,000 | $13,772,000 | $13,403,000 | $12,149,000 |
| Occupancy And Equipment | $4,138,000 | $3,894,000 | $3,755,000 | $3,680,000 |
| Total Unusual Items | - | - | $0 | $103,000 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $103,000 |
| Other Special Charges | - | - | $936,000 | $871,000 |
| Gain On Sale Of Security | - | - | $0 | $24,000 |
| Other Gand A | - | - | - | $2,941,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $106,480,000 | $105,655,000 | $88,276,000 | $122,515,000 |
| Total Assets | $1,704,420,000 | $1,656,496,000 | $1,640,227,000 | $1,633,194,000 |
| Receivables | $3,604,000 | $3,298,000 | $2,926,000 | $2,603,000 |
| Accounts Receivable | $3,604,000 | $3,298,000 | $2,926,000 | $2,603,000 |
| Cash And Cash Equivalents | $95,522,000 | $77,923,000 | $66,295,000 | $168,692,000 |
| Cash Financial | $16,399,000 | $16,133,000 | $21,927,000 | $15,244,000 |
| Cash Cash Equivalents And Federal Funds Sold | $98,185,000 | $81,381,000 | $68,290,000 | $171,116,000 |
| Debt | ||||
| Total Debt | $15,625,000 | $35,000,000 | $0 | $14,651,000 |
| Current Debt And Capital Lease Obligation | $15,625,000 | $35,000,000 | $0 | - |
| Current Debt | $15,625,000 | $35,000,000 | $0 | - |
| Other Current Borrowings | $15,625,000 | $35,000,000 | $0 | - |
| Long Term Debt And Capital Lease Obligation | - | - | - | $14,651,000 |
| Long Term Debt | - | - | - | $14,651,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,597,940,000 | $1,550,841,000 | $1,551,951,000 | $1,510,679,000 |
| Payables And Accrued Expenses | $7,812,000 | $7,844,000 | $986,000 | $652,000 |
| Payables | $7,812,000 | $7,844,000 | $986,000 | $652,000 |
| Accounts Payable | $7,812,000 | $7,844,000 | $986,000 | $652,000 |
| Equity | ||||
| Common Stock Equity | $106,480,000 | $105,655,000 | $88,276,000 | $122,515,000 |
| Total Equity Gross Minority Interest | $106,480,000 | $105,655,000 | $88,276,000 | $122,515,000 |
| Stockholders Equity | $106,480,000 | $105,655,000 | $88,276,000 | $122,515,000 |
| Gains Losses Not Affecting Retained Earnings | $-50,635,000 | $-43,700,000 | $-51,107,000 | $-1,194,000 |
| Other Equity Adjustments | $-50,635,000 | $-43,700,000 | $-51,107,000 | $-1,194,000 |
| Retained Earnings | $123,259,000 | $116,018,000 | $106,551,000 | $91,493,000 |
| Other | ||||
| Treasury Shares Number | $166,362 | $162,011 | $152,794 | $146,143 |
| Ordinary Shares Number | $7,626,292 | $7,596,236 | $7,586,991 | $7,541,776 |
| Share Issued | $7,792,654 | $7,758,247 | $7,739,785 | $7,687,919 |
| Tangible Book Value | $106,480,000 | $105,655,000 | $88,276,000 | $122,515,000 |
| Invested Capital | $122,105,000 | $140,655,000 | - | $137,166,000 |
| Treasury Stock | $2,739,000 | $2,667,000 | $2,535,000 | $2,435,000 |
| Additional Paid In Capital | $28,802,000 | $28,246,000 | $27,627,000 | $26,963,000 |
| Capital Stock | $7,793,000 | $7,758,000 | $7,740,000 | $7,688,000 |
| Common Stock | $7,793,000 | $7,758,000 | $7,740,000 | $7,688,000 |
| Investments And Advances | $280,828,000 | $276,060,000 | $316,992,000 | $310,264,000 |
| Available For Sale Securities | $233,630,000 | - | - | - |
| Net PPE | $3,322,000 | $3,734,000 | $3,843,000 | $3,994,000 |
| Accumulated Depreciation | $-7,697,000 | $-8,627,000 | $-8,003,000 | $-7,147,000 |
| Gross PPE | $11,019,000 | $12,361,000 | $11,846,000 | $11,141,000 |
| Leases | $4,266,000 | $4,329,000 | $4,266,000 | $4,129,000 |
| Other Properties | $228,000 | $170,000 | $170,000 | $150,000 |
| Machinery Furniture Equipment | $5,356,000 | $6,693,000 | $6,241,000 | $5,699,000 |
| Buildings And Improvements | $1,169,000 | $1,169,000 | $1,169,000 | $1,163,000 |
| Other Short Term Investments | $47,198,000 | $276,060,000 | $316,992,000 | $310,264,000 |
| Total Capitalization | - | - | - | $137,166,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $9,205,000 | $18,692,000 | $19,192,000 | $13,737,000 |
| Operating Activities | ||||
| Operating Cash Flow | $9,944,000 | $19,498,000 | $19,911,000 | $15,249,000 |
| Cash Flow From Continuing Operating Activities | $9,944,000 | $19,498,000 | $19,911,000 | $15,249,000 |
| Operating Gains Losses | - | - | - | $-24,000 |
| Investing Activities | ||||
| Capital Expenditure | $-739,000 | $-806,000 | $-719,000 | $-1,512,000 |
| Investing Cash Flow | $-36,153,000 | $3,255,000 | $-161,316,000 | $-156,210,000 |
| Cash Flow From Continuing Investing Activities | $-36,153,000 | $3,255,000 | $-161,316,000 | $-156,210,000 |
| Net Other Investing Changes | $-8,235,000 | $-1,434,000 | $1,146,000 | $21,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-72,000 | $-132,000 | $-100,000 | $-670,000 |
| Financing Cash Flow | $43,808,000 | $-11,125,000 | $39,008,000 | $178,746,000 |
| Cash Flow From Continuing Financing Activities | $43,808,000 | $-11,125,000 | $39,008,000 | $178,746,000 |
| Cash Dividends Paid | $-3,199,000 | $-3,041,000 | $-2,644,000 | $-2,253,000 |
| Common Stock Dividend Paid | $-3,199,000 | $-3,041,000 | $-2,644,000 | $-2,253,000 |
| Net Common Stock Issuance | $-72,000 | $-132,000 | $-100,000 | $-670,000 |
| Other | ||||
| Interest Paid Supplemental Data | $28,819,000 | $11,260,000 | $3,769,000 | $5,000,000 |
| Income Tax Paid Supplemental Data | $1,991,000 | $3,352,000 | $4,268,000 | $4,634,000 |
| End Cash Position | $96,522,000 | $78,923,000 | $67,295,000 | $169,692,000 |
| Beginning Cash Position | $78,923,000 | $67,295,000 | $169,692,000 | $131,907,000 |
| Changes In Cash | $17,599,000 | $11,628,000 | $-102,397,000 | $37,785,000 |
| Proceeds From Stock Option Exercised | $70,000 | $69,000 | $189,000 | $177,000 |
| Common Stock Payments | $-72,000 | $-132,000 | $-100,000 | $-670,000 |
| Net Issuance Payments Of Debt | $-19,375,000 | $35,000,000 | $-14,651,000 | $-50,794,000 |
| Net Short Term Debt Issuance | $-19,375,000 | $35,000,000 | $0 | $0 |
| Net Investment Purchase And Sale | $-12,625,000 | $50,867,000 | $-69,504,000 | $-184,594,000 |
| Sale Of Investment | $31,637,000 | $55,741,000 | $23,843,000 | $51,565,000 |
| Purchase Of Investment | $-44,262,000 | $-4,874,000 | $-93,347,000 | $-236,159,000 |
| Net PPE Purchase And Sale | $-739,000 | $-806,000 | $-719,000 | $-1,512,000 |
| Purchase Of PPE | $-739,000 | $-806,000 | $-719,000 | $-1,512,000 |
| Change In Working Capital | $240,000 | $6,682,000 | $1,164,000 | $-569,000 |
| Change In Other Current Liabilities | $-1,009,000 | $-858,000 | $-625,000 | $-914,000 |
| Change In Other Current Assets | $1,587,000 | $1,054,000 | $1,778,000 | $800,000 |
| Change In Payables And Accrued Expense | $-32,000 | $6,858,000 | $334,000 | $-988,000 |
| Change In Payable | $-32,000 | $6,858,000 | $334,000 | $-988,000 |
| Change In Account Payable | $-32,000 | $6,858,000 | $334,000 | $-988,000 |
| Change In Receivables | $-306,000 | $-372,000 | $-323,000 | $533,000 |
| Changes In Account Receivables | $-306,000 | $-372,000 | $-323,000 | $533,000 |
| Other Non Cash Items | $-1,312,000 | $-736,000 | $-524,000 | $-710,000 |
| Stock Based Compensation | $521,000 | $568,000 | $527,000 | $432,000 |
| Deferred Tax | $-46,000 | $-84,000 | $-348,000 | $-258,000 |
| Deferred Income Tax | $-46,000 | $-84,000 | $-348,000 | $-258,000 |
| Depreciation Amortization Depletion | $1,147,000 | $915,000 | $883,000 | $864,000 |
| Depreciation And Amortization | $1,147,000 | $915,000 | $883,000 | $864,000 |
| Depreciation | $1,147,000 | $915,000 | $883,000 | $864,000 |
| Net Income From Continuing Operations | $10,440,000 | $12,656,000 | $17,702,000 | $16,786,000 |
| Repayment Of Debt | - | $0 | $-14,651,000 | $-50,794,000 |
| Issuance Of Debt | - | $35,000,000 | $0 | $0 |
| Short Term Debt Issuance | - | $35,000,000 | $0 | - |
| Net Long Term Debt Issuance | - | $0 | $-14,651,000 | $-50,794,000 |
| Long Term Debt Payments | - | $0 | $-14,651,000 | $-50,794,000 |
| Gain Loss On Investment Securities | - | - | $0 | $-24,000 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-02-02