Financial Services
Embassy Bancorp, Inc.(EMYB)
Live Price
Offline$21.47
-0.09% today
1Y Change
+32.44%
Window
Jun 25, 2025 โ Jun 16, 2026
- Market Cap
- $150.00M
- Revenue Growth
- +10.0%
- EPS Growth
- +30.7%
- Dividend Yield
- 2.4%
Coverage: 245 bars ยท Jun 25, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Embassy Bancorp, Inc. (EMYB) is a Financial Services stock with a market cap of $150.00M and listed on OTC. The stock last traded around $21.47 and up 32.4% across the available one-year price window (Jun 25, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of +10.0%, EPS growth of +30.7%, a dividend yield of 2.4%. What stands out right now is revenue +10.0%, EPS +30.7%, free cash flow +32.5% with operating margin 22.3% and ROIC 0.8%. The dividend is present but secondary, with a yield around 2.4%. Valuation is more restrained than many high-expectation growth names at P/E 11.2 and price/sales 2.1. Stock Foundry combines EMYB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+10.0% vs +3.4% peer median
Operating Margin
Above sector median
+22.3% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 12, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +10.0% and EPS at +30.7%, with operating margin around 22.3%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.3% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 12, 2026 | โ | -0.3% | -0.3% | +5.6% |
2026 Mar 16, 2026 | โ | +0.0% | -0.9% | +0.9% |
2025 Nov 11, 2025 | โ | +0.4% | +0.2% | +5.5% |
Benchmark Edge
EMYB vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
EMYB
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
EMYB Max Drawdown
-4.32%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for EMYB and SPY.
Company Overview
Embassy Bancorp, Inc.
Other OTC
Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. Its deposit products include savings, money market, individual retirement, and NOW accounts; demand and time deposits; and certificates of deposit. The company's loan portfolio comprises secured fixed and variable rate loans; business loans; consumer loans, including mortgages, secured home equity loans, lines of credit, auto, and unsecured personal loans, as well as mortgage escrow services; residential mortgage loans; and commercial mortgage/construction loans. In addition, it offers various other services, such as treasurer and certified check, wire transfer, credit/debit card merchant processing, direct deposit/ACH, ACH origination, fraud detection, cash and escrow management, safe deposit box, remote deposit capture, mobile banking, night depository, bank by mail, savings bond redemptions, person to person payment, positive pay, automated teller machine, and online banking and bill pay services, as well as gift, commercial credit, and ATM and debit cards. The company has branch offices in South Whitehall Township, Lower Macungie Township, the City of Bethlehem, Salisbury Township, Lower Saucon Township, Lower Nazareth Township, Borough of Nazareth, and Borough of Macungie, as well as in Lehigh and Northampton Counties in Pennsylvania. Embassy Bancorp, Inc. was founded in 2001 and is headquartered in Bethlehem, Pennsylvania.
- Leadership
- David Lobach Jr.
- IPO Date
- Jan 31, 2012
- Employees
- 112
- Street Address
- 100 Gateway Drive
- Mailing
- Bethlehem, PA, 18017-9423
- Region
- Bethlehem, PA, US
- Reporting Currency
- USD
- Investor Line
- 610 882 8800
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.2
- EV/EBITDA
- 8.7
- Price/Sales
- 2.1
- Price/Book
- 1.2
Growth
- Revenue
- +10.0%
- EPS
- +30.7%
- Free Cash Flow
- +32.5%
Profitability
- Gross Margin
- 60.9%
- Operating Margin
- 22.3%
- Net Margin
- 18.4%
- ROE
- 11.5%
- ROIC
- 0.8%
Balance Sheet
- Debt/Equity
- 0.11
- Current Ratio
- 1.50
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.