EMYB · Embassy Bancorp, Inc.
Market Cap
$157.67M
Shares
7.41M
Volume · Oct 22
1310
Avg daily vol (3M)
5855
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.29
Open$20.95
Day$20.95–21.40
52W close$17.14–22.58
Avg vol 30d5K
Short int500 · 0.0% float · 1.0d
Short vol15%
DataJan 2020–Oct 2026
Filing10-Q · Aug 13
Up next
filed Aug 13, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$49.19M
Trailing 12 months
Net income (TTM)
$15.23M
Trailing 12 months
Revenue growth YoY
+15.9%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
10.4
Trailing earnings · reciprocal yield 9.6%
FCF yield
9.8%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
2.6%
Trailing 12 months
Shares change YoY
-3.0%
Year over year · fewer shares
Price change (1Y)
+22.2%
Trailing year
Short interest
0.0%
Latest settlement · 1.0 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 19 · elevated
Equity put/call 0.69
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
−4%
below
RSI (14)
28
oversold
MACD trend
Negative
52-week position
76%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+15%
trailing
YTD return
+17%
this year
Relative strength
+9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $22 › 200d $20 — 50d above 200d
Institutional flow
Flat
0% holders QoQ
Insider flow
Accumulating
Net +$31.2K over 90 days · 33% sells
Short interest
Rising
0.01% of float · ▲ +1462.5% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
2 holders — near 3-yr low, contrarian setup
Squeeze score
32
low risk · 0–100
Fundamentals
EPS growth
+31%
Y/Y
Free cash flow
$12.2M
Valuation
P/E 10.5
below peers
Buyback
$4.9M
remaining
Balance sheet
$155.0M
net cash
Quant / Vol
risk profile
Volatility
13%
annualized · 1-yr
Max drawdown
−7%
past year
ATR
1.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
28
Neutral
MACD trend
Negative
Bearish
52-week position
76%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $22 › 200d $20 — 50d above 200d
Institutional flow
Flat
0% holders QoQ
Insider flow
Accumulating
Net +$31.2K over 90 days · 33% sells
Short interest
Rising
0.01% of float · ▲ +1462.5% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
2 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $17
Now $21 · 76%
Range high $23
vs 200-day avg +8%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Cost of funds | 1.69% | the three months ended June 30, 2026 filing | — |
| Efficiency ratio non-GAAP | 59.1% | the three months ended June 30, 2026 filing | — |
| Net charge offs | $15K | the three months ended June 30, 2026 filing | — |
| Net interest margin | 2.74% | the three months ended June 30, 2026 filing | — |
| Net interest margin (non-US GAAP basis) non-GAAP | 2.77% | the three months ended June 30, 2026 filing | — |
| Net interest spread (non-US GAAP basis) non-GAAP | 2.21% | the three months ended June 30, 2026 filing | — |
| Net interest spread (US GAAP basis) | 2.19% | the three months ended June 30, 2026 filing | — |
| Provision for credit losses on loans | $375K | the three months ended June 30, 2026 filing | — |
| Provision for credit losses on unused commitments | $9K | the three months ended June 30, 2026 filing | — |
| Tax equivalent yield on average earning assets non-GAAP | 4.36% | the second quarter of 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
EMYB
this stock
Embassy Bancorp, Inc.
|
$157.67M | +17.0% | — | 10.5 | 0.0% |
|
MFG
Mizuho Financial Group Inc
|
$117.22B | +30.7% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.33B | -39.5% | -3.2% | — | 0.7% |
|
IBN
Icici Bank Ltd
|
$107.48B | -1.1% | — | — | 0.6% |
|
ITUB
Itau Unibanco Holding S.A.
|
$104.60B | +35.1% | — | — | 0.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Institutional Holders
Holders
2
- % held
- 6.1%
- Net QoQ
- 0 sh
- Top holder
- PHILADELPHIA TRUST CO
Held
Float
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| EMYB | -1.8% | -4.1% | +15.5% | -3.0% | +17.0% |
| SPY | -1.0% | -0.4% | +6.0% | +0.2% | +12.0% |
| vs SPY | -0.8% | -3.6% | +9.5% | -3.1% | +5.0% |
Capital returns
Latest dividend
$0.55
/ share · ex Jun 26, 2026
Paid (TTM)
$0.55
/ share · 1 payout
Dividend yield (TTM, derived)
— · history filling in
Buyback program
· as of Jun 30, 2026
Authorized
$5.00M
Spent (derived)
$70,432
Remaining
$4.93M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.