Embassy Bancorp, Inc.
Embassy Bancorp, Inc.
Your view on EMYB
Overview
What the company does, where it operates, and who runs it.
About Embassy Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- David Lobach Jr.
- Headquarters
- 100 Gateway Drive, Bethlehem, PA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- David Lobach Jr.
- Headquarters
- 100 Gateway Drive, Bethlehem, PA, US
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.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Embassy Bancorp, Inc., and the rating behind it. EMYB last traded at $20.38, 11.1× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Embassy Bancorp, Inc.. Starting points for Embassy Bancorp, Inc.: P/E 11.1, EPS $2.00, beta 0.16 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Embassy Bancorp, Inc.. Embassy Bancorp, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Embassy Bancorp, Inc.. Trailing twelve-month EPS for Embassy Bancorp, Inc. stands at $2.00. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Embassy Bancorp, Inc.. Embassy Bancorp, Inc. has reported as a listed company since 2012. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Embassy Bancorp, Inc. valued side by side against its closest peers. Embassy Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Embassy Bancorp, Inc., and how their positions are changing. At a $155.8M market value, institutional positions materially move Embassy Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Embassy Bancorp, Inc. executives and directors. Shares of Embassy Bancorp, Inc. have traded between $14.26 and $20.63 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Embassy Bancorp, Inc.. Embassy Bancorp, Inc. is a $155.8M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Embassy Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Embassy Bancorp, Inc.. Coverage tracks Embassy Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.