OTC · Finance

Embassy Bancorp, Inc. (EMYB)

Operating cash flow minus capital spending left $12.2M of free cash flow in fiscal 2025. At June 30, 2026 it held $132.9M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 13, 2026.

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Price

$21.95

-0.68% on the day · September 25, 2026

52-week range $17.07 to $22.75

Market cap

$162.6M

P/E

12.3

on FY2025 diluted EPS

What Embassy Bancorp, Inc. does

Embassy Bancorp, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on OTC under the ticker EMYB.

Revenue and profit by year

Net income

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Fiscal year	Revenue	Operating income	Net income	Diluted EPS	Free cash flow
2025	n/a	n/a	$13.7M	$1.79	$12.2M
2024	n/a	n/a	$10.4M	$1.37	$9.2M
2023	n/a	n/a	$12.7M	$1.67	$18.7M
2022	n/a	n/a	$17.7M	$2.34	$19.2M
2021	n/a	n/a	$16.8M	$2.22	$13.7M
2020	n/a	n/a	$12.8M	$1.70	$11.7M

Full financial statements: income, balance sheet and cash flow

Next report expected around November 12, 2026.

Estimated from its filing rhythm: 52 weeks after its report of November 13, 2025. Not a date the company has announced. See the report calendar

Dividends

Embassy Bancorp, Inc. declared $0.48 per share in fiscal 2025. At the current price that is a yield of 2.19%. It paid out $3.7M in cash dividends, 27% of its net income.

Fiscal year	Per share	Paid out	Of profit
2025	$0.48	$3.7M	27%
2024	$0.42	$3.2M	31%
2023	$0.40	$3M	24%
2022	$0.35	$2.6M	15%
2021	$0.30	$2.3M	13%
2020	$0.22	$1.6M	13%

Per share as declared (or paid, where only that is reported), adjusted for stock splits the company itself restated. Yield is the latest fiscal year's dividend over the current price.

Latest SEC filings

What Embassy Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.

August 13, 2026
Quarterly report 10-Q · period to June 30, 2026Diluted EPS $0.56 versus $0.45.
August 11, 2026
Executive or director change 8-K
July 21, 2026
Executive or director change 8-K
June 18, 2026
Shareholder vote results 8-K
June 17, 2026
Other event 8-K
June 17, 2026
Investor disclosure 8-K
June 1, 2026
Other event 8-K
May 13, 2026
Quarterly report 10-Q · period to March 31, 2026Diluted EPS $0.50 versus $0.38.
May 1, 2026
Annual report to shareholders ARS
April 27, 2026
Proxy statement DEF 14A

Recent insider filings (Forms 3, 4 and 144): 10, the latest on September 24, 2026. Insider transactions on SEC

Insider trades

What the people running Embassy Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.

Insiders bought $79.1K and sold $48K worth of shares in the last 90 days.

Bought (open market)

$79.1K

last 90 days

Sold

$48K

last 90 days

Net bought

1,346

$31.2K

Date	Insider	What	Shares	Price	Value	Filing
September 23, 2026	Boyer Geoffrey FDirector	Soldindirect	300	$21.80	$6.5K	Form 4
September 23, 2026	Boyer Geoffrey FDirector	Soldindirect	800	$21.60	$17.3K	Form 4
September 22, 2026	Boyer Geoffrey FDirector	Soldindirect	1,100	$21.95	$24.1K	Form 4
September 18, 2026	Hunsicker Judith AFEO, COO	Received as pay	1,931	-	-	Form 4
September 18, 2026	Lobach David M JrChairman, President and CEO, Director	Received as pay	2,784	-	-	Form 4
August 28, 2026	Lobach David M JrChairman, President and CEO, Director	Boughtindirect	100	$22.30	$2.2K	Form 4
August 26, 2026	Lesavoy Bernard MDirector	Boughtindirect	746	$22.30	$16.6K	Form 4
August 26, 2026	Lesavoy Bernard MDirector	Boughtindirect	600	$22.30	$13.4K	Form 4
August 26, 2026	Lesavoy Bernard MDirector	Boughtindirect	100	$22.21	$2.2K	Form 4
August 18, 2026	Lobach David M JrChairman, President and CEO, Director	Bought	500	$22.39	$11.2K	Form 4
August 18, 2026	Lobach David M JrChairman, President and CEO, Director	Bought	500	$22.15	$11.1K	Form 4
August 18, 2026	Lobach David M JrChairman, President and CEO, Director	Boughtindirect	500	$22.39	$11.2K	Form 4
August 18, 2026	Lobach David M JrChairman, President and CEO, Director	Boughtindirect	500	$22.39	$11.2K	Form 4
June 15, 2026	Yurconic John TDirector	Bought	500	$21.45	$10.7K	Form 4
June 15, 2026	Neel Lynne MarieSr. Executive Vice President	Bought	350	$21.45	$7.5K	Form 4

All insider filings on SEC.gov · Where insiders are buying across the market

Who owns EMYB

Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.

5% holders

Anyone who owns more than 5% of a class of shares must say so on Schedule 13D (if they may seek to influence the company) or 13G (a passive holder). The latest filing of each holder is shown: 13G filings of the last 2 years, 13D of the last 3.

Holder	Of class	Shares	Filed
Fourthstone LLC13G, passive with 5 related filers	8.96%	685,098	August 14, 2025

Largest institutional holders

No Form 13F positions imported for this company yet.

Insiders

Reported holdings of insiders who filed a Form 4 in the last 12 months: the shares each one held after their latest reported transaction. This is not the total held by all insiders.

8 insiders reported holding 598,952 shares in total, about $13.1M at the last price.

Holder	Shares	As of
Lobach David M JrChairman, President and CEO, Director	433,22155,400 held indirectly	September 18, 2026
Hunsicker Judith AFEO, COO	74,686	September 18, 2026
Yurconic John TDirector	61,317	June 15, 2026
Neel Lynne MarieSr. Executive Vice President	12,051	June 15, 2026
Macy Michael BEVP, CLO Business Banking	7,971	June 15, 2026
Boyer Geoffrey FDirector	3,5533,553 held indirectly	September 23, 2026
Skumin Jeffrey C.EVP, CFO	3,213	June 15, 2026
Lesavoy Bernard MDirector	2,9392,939 held indirectly	August 26, 2026

Schedule 13D/13G filings on SEC.gov

All filings on SEC EDGAR

Questions about EMYB

What does Embassy Bancorp, Inc. do?

Embassy Bancorp, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on OTC under the ticker EMYB.

Is Embassy Bancorp, Inc. profitable?

Yes. Over the twelve months to June 30, 2026 it reported net income of $15.2M.

When did Embassy Bancorp, Inc. last report?

Its most recent periodic report is the quarterly report (10-Q) filed on August 13, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from September 24, 2026.

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Where the numbers come from

Financial figures are the values Embassy Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.