Embassy Bancorp (EMYB) Stock Overview
Operates as the bank holding company for Embassy Bank for the Lehigh Valley that provides banking and financial products and services in Pennsylvania. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
EMYB Community Fair Values
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Embassy Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$19.64 |
| 52 Week High | US$20.63 |
| 52 Week Low | US$14.26 |
| Beta | 0.14 |
| 1 Month Change | -1.26% |
| 3 Month Change | 7.91% |
| 1 Year Change | 31.02% |
| 3 Year Change | 19.90% |
| 5 Year Change | 15.87% |
| Change since IPO | 227.33% |
Recent News & Updates
Recent updates
Shareholder Returns
| EMYB | US Banks | US Market | |
|---|---|---|---|
| 7D | 0% | 2.1% | 1.2% |
| 1Y | 31.0% | 40.8% | 32.8% |
Return vs Industry: EMYB underperformed the US Banks industry which returned 40.8% over the past year.
Return vs Market: EMYB underperformed the US Market which returned 32.8% over the past year.
Price Volatility
| EMYB volatility | |
|---|---|
| EMYB Average Weekly Movement | 2.4% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: EMYB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: EMYB's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2001 | 114 | Dave Lobach | embassybank.com |
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.
Embassy Bancorp, Inc. Fundamentals Summary
| EMYB fundamental statistics | |
|---|---|
| Market cap | US$148.54m |
| Earnings (TTM) | US$13.70m |
| Revenue (TTM) | US$45.57m |
Is EMYB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EMYB income statement (TTM) | |
|---|---|
| Revenue | US$45.57m |
| Cost of Revenue | US$0 |
| Gross Profit | US$45.57m |
| Other Expenses | US$31.88m |
| Earnings | US$13.70m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.81 |
| Gross Margin | 100.00% |
| Net Profit Margin | 30.05% |
| Debt/Equity Ratio | 7.7% |
How did EMYB perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/08 12:55 |
| End of Day Share Price | 2026/04/01 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Embassy Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.