Embassy Bancorp, Inc.

OTCPK:EMYB Stock Report

Market Cap: US$159.1m

Embassy Bancorp Management

Management criteria checks 4/4

Embassy Bancorp's CEO is Dave Lobach, appointed in Jan 2001, has a tenure of 25.5 years. total yearly compensation is $1.04M, comprised of 74% salary and 26% bonuses, including company stock and options. directly owns 7.4% of the company’s shares, worth $11.77M. The average tenure of the management team and the board of directors is 18.5 years and 18.5 years respectively.

Key information

Dave Lobach

Chief executive officer

US$1.0m

Total compensation

CEO salary percentage74.03%
CEO tenure25.5yrs
CEO ownership7.4%
Management average tenure18.5yrs
Board average tenure18.5yrs

Recent management updates

Recent updates

CEO Compensation Analysis

How has Dave Lobach's remuneration changed compared to Embassy Bancorp's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

US$15m

Dec 31 2025US$1mUS$771k

US$14m

Sep 30 2025n/an/a

US$13m

Jun 30 2025n/an/a

US$12m

Mar 31 2025n/an/a

US$11m

Dec 31 2024US$1mUS$771k

US$10m

Sep 30 2024n/an/a

US$11m

Jun 30 2024n/an/a

US$11m

Mar 31 2024n/an/a

US$11m

Dec 31 2023US$902kUS$771k

US$13m

Sep 30 2023n/an/a

US$15m

Jun 30 2023n/an/a

US$17m

Mar 31 2023n/an/a

US$17m

Dec 31 2022US$1mUS$734k

US$18m

Sep 30 2022n/an/a

US$17m

Jun 30 2022n/an/a

US$17m

Mar 31 2022n/an/a

US$17m

Dec 31 2021US$1mUS$699k

US$17m

Sep 30 2021n/an/a

US$16m

Jun 30 2021n/an/a

US$15m

Mar 31 2021n/an/a

US$14m

Dec 31 2020US$1mUS$690k

US$13m

Sep 30 2020n/an/a

US$12m

Jun 30 2020n/an/a

US$11m

Mar 31 2020n/an/a

US$11m

Dec 31 2019US$987kUS$633k

US$11m

Compensation vs Market: Dave's total compensation ($USD1.04M) is below average for companies of similar size in the US market ($USD1.64M).

Compensation vs Earnings: Dave's compensation has been consistent with company performance over the past year.


CEO

Dave Lobach (76 yo)

25.5yrs
Tenure
US$1,041,537
Compensation

Mr. David M. Lobach Jr., also known as Dave, serves as President and Chief Executive Officer at Embassy Bancorp, Inc. and Embassy Bank for the Lehigh Valley since 2008 and 2001, respectively, and serves as...


Leadership Team

NamePositionTenureCompensationOwnership
David Lobach
Chairman25.5yrsUS$1.04m7.4%
$ 11.8m
Jeffrey Skumin
Executive Vice President of Finance & Chief Financial Officerless than a yearUS$302.08kno data
Judith Hunsicker
First Executive Officer18.5yrsUS$959.95k1.23%
$ 2.0m
Lynne Neel
Senior EVPno dataUS$519.04k0.16%
$ 258.8k
Diane Cunningham
Senior Executive Vice President of Branch Administrationno dataUS$430.98k0.29%
$ 457.1k
Jason Sickels
Senior Vice President of Information Security & Technologyno datano datano data
Veliano Feliciano
VP, Risk Manager & Compliance Officerno datano datano data
Steven Green
Assistant Vice President of Human Resources & Team Cultureno datano datano data
Mark Casciano
Senior Vice President of Strategic Initiativesno datano datano data
Tracy Barker
Senior VP & Bank Secrecy Officerno datano datano data
Desty Bonstein
Senior Vice President of Private Bankingno datano datano data
Scott Karwacki
Senior Vice President of Credit Analysisno datano datano data
18.5yrs
Average Tenure
64yo
Average Age

Experienced Management: EMYB's management team is seasoned and experienced (18.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
David Lobach
Chairman17.1yrsUS$1.04m7.4%
$ 11.8m
John Englesson
Independent Director18.5yrsUS$60.20k0.60%
$ 956.0k
Frank Banko
Director15.1yrsUS$54.18k7.13%
$ 11.3m
Bernard Lesavoy
Director18.5yrsUS$60.06k2.89%
$ 4.6m
John Yurconic
Independent Director18.5yrsUS$60.03k0.83%
$ 1.3m
John Pittman
Independent Director18.5yrsUS$60.14k4.92%
$ 7.8m
Geoffrey Boyer
Independent Director18.5yrsUS$60.00k1.4%
$ 2.2m
Patti Gates Smith
Independent Director10.4yrsUS$60.00k3.32%
$ 5.3m
18.5yrs
Average Tenure
70.5yo
Average Age

Experienced Board: EMYB's board of directors are seasoned and experienced ( 18.5 years average tenure).


Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/06 17:58
End of Day Share Price 2026/07/06 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

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Industry and Sector Metrics

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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.