Embassy Bancorp, Inc. (EMYB) Stock Price & Analysis
Embassy Bancorp, Inc. (EMYB) rose 0.00% to USD 22.55 as of July 25, 2026 at 10:41 UTC, according to Nexqual real-time market data.
EMYB last closed at USD 22.55; the session ranged USD 22.25–22.55 on volume of 3,600 shares. Market capitalization is $167.20M, with a 52-week range of USD 15.5–22.75 (OQX). Source: Nexqual, July 25, 2026 at 10:41 UTC.
Key Statistics (as of July 25, 2026 at 10:41 UTC)
| Price | USD 22.55 |
|---|---|
| Change | ▲ 0.00% (up) |
| Previous Close | USD 22.55 |
| Open | USD 22.25 |
| Day Range | USD 22.25 – 22.55 |
| 52-Week Range | USD 15.5 – 22.75 |
| Volume | 3,600 shares |
| Market Cap | $167.20M |
| Exchange | OQX |
Technical Analysis (EMYB)
Nexqual's technical model rates EMYB "BUY" based on 5 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 10:41 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 81.39 (overbought) |
| vs SMA50 | Above (USD 21.43) |
| MACD | 0.33 (positive) |
Analyst Ratings (EMYB)
Wall Street analysts rate EMYB "None", per Nexqual as of July 25, 2026 at 10:41 UTC.
| Consensus Rating | None |
|---|
Earnings (EMYB)
Source: Nexqual, July 25, 2026 at 10:41 UTC.
Financials & Fundamentals (EMYB)
| Total Revenue | $47.30M |
|---|---|
| Revenue Growth (YoY) | +16.60% |
| Gross Margin | +0.00% |
| Operating Margin | +41.45% |
| Profit Margin | +30.76% |
| ROE | +12.27% |
| Total Cash | $141.83M |
| Total Debt | $12.71M |
Source: Nexqual, July 25, 2026 at 10:41 UTC.
Financial Health Score (EMYB)
Nexqual rates Embassy Bancorp, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 10:41 UTC.
| Growth | Strong — Revenue +17% YoY (latest Q) |
|---|---|
| Profitability | Weak — Small revenue base — building scale |
| Balance Sheet | Mixed — $142M cash vs $13M debt, net cash position |
| Cash Flow | Solid — Operating cash flow $15M |
| Efficiency | Mixed — ROE 12%, ROA 0.8% |
Ownership (EMYB)
| Insider Ownership | +30.68% |
|---|---|
| Institutional Ownership | +15.40% |
| Shares Outstanding | 7.41M |
| Float | 4.47M |
Source: Nexqual, July 25, 2026 at 10:41 UTC.
Leadership (EMYB)
Embassy Bancorp, Inc. is led by David M. Lobach (age 75), Chairman, President & CEO, per Nexqual as of July 25, 2026 at 10:41 UTC.
| Chairman, President & CEO | David M. Lobach (age 75) |
|---|---|
| Executive Vice President of Finance & Chief Financial Officer | Jeffrey C. Skumin (age 48) |
| First Executive Officer, COO, Secretary & Treasurer | Judith A. Hunsicker (age 64) |
| Senior Executive Vice President of Branch Administration, Marketing & Retail Lending | Diane Maria Cunningham (age 57) |
| Senior Vice President of Information Security & Technology | Jason S. Sickels |
Major Backers & Investors (EMYB)
Notable institutional backers of Embassy Bancorp, Inc. include Philadelphia Trust Company, Siena Capital Partners GP, LLC, RBC Funds Trust-RBC Microcap Value Fund, according to Nexqual as of July 25, 2026 at 10:41 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Philadelphia Trust Company | 4% |
| Siena Capital Partners GP, LLC | 2.06% |
| RBC Funds Trust-RBC Microcap Value Fund | 0.11% |
Source: Nexqual, July 25, 2026 at 10:41 UTC.
From Embassy Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2026-03-16)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
- In addition, the company offers gift cards; mobile banking; night depository services; on-line banking and bill pay; person to person payments; personal financial management; positive pay; remote deposit capture; safe deposit boxes; savings bond redemptions; treasurer checks; and wire transfers.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| ENBP | ENB Financial Corp. | USD 28.1 | ▼ 3.1% |
| QNBC | QNB Corp. | USD 43.47 | ▲ 0.3% |
| EFSI | Eagle Financial Services Inc | USD 40.48 | ▼ 1.99% |
| CPKF | Chesapeake Financial Shares, In | USD 39.25 | ▲ 0.51% |
| FMBM | F & M Bank Corp. | USD 39.54 | ▼ 0.88% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 10:41 UTC. This page is informational and not investment advice.