EMYB
Embassy Bancorp, Inc.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Buy
+34/100
Last price
21.69
▼ 0.01 (0.05%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
21.50
Prev close
21.70
Day high
21.69
Day low
21.50
Volume
300
Market cap
$160.63M
P/E (TTM)
10.74
52W range
17.07 – 22.75
Day trading desk
Gap from prior close
-0.92%
Prior close 21.70
VWAP
21.69
0.00% from price
Relative volume
0.02×
Quiet session
Session range
0.88%
21.50 – 21.69
Position in range
100%
Near session high
ATR (14D)
0.21
0.99% of price
Prior day high
21.70
PDH
Prior day low
21.55
PDL
Bid / ask spread
—
Quote not published
Session volume
100
Avg 4.70K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-1.14%
-3.1%
1M
-2.25%
-3.8%
3M
+0.65%
-2.8%
6M
+10.44%
-4.6%
YTD
+19.18%
+5.2%
1Y
+25.01%
+9.3%
3Y
+41.03%
-40.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on EMYB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+9.27K
Net buying
Buy transactions
14
11.47K shares
Sell transactions
1
2.20K shares
Net transactions
+15
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
2.28M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 23, 26 | BOYER GEOFFREY F Director |
SELL | 2.20K | $47.97K | Indirect |
| Sep 18, 26 | LOBACH DAVID M JR Chief Executive Officer |
STOCK | 2.78K | $0 | Direct |
| Sep 18, 26 | HUNSICKER JUDITH A Chief Operating Officer |
STOCK | 1.93K | $0 | Direct |
| Aug 28, 26 | LOBACH DAVID M JR Chief Executive Officer |
BUY | 100 | $2.23K | Indirect |
| Aug 26, 26 | LESAVOY BERNARD M Director |
BUY | 1.45K | $32.23K | Indirect |
| Aug 18, 26 | LOBACH DAVID M JR Chief Executive Officer |
BUY | 2.00K | $44.66K | |
| Jun 15, 26 | YURCONIC JOHN T Director |
BUY | 500 | $10.72K | Direct |
| Jun 15, 26 | LOBACH DAVID M JR Chief Executive Officer |
BUY | 500 | $10.72K | Direct |
| Jun 15, 26 | LESAVOY BERNARD M Director |
BUY | 100 | $2.15K | Direct |
| Jun 15, 26 | NEEL LYNNE MARIE Officer |
BUY | 350 | $7.51K | Direct |
| Jun 15, 26 | SKUMIN JEFFREY C Chief Financial Officer |
BUY | 50 | $1.07K | Direct |
| Jun 15, 26 | MACY MICHAEL B Officer |
BUY | 1.00K | $21.45K | Direct |
| Jun 8, 26 | LOBACH DAVID M JR Chief Executive Officer |
BUY | 500 | $10.52K | Direct |
| Jun 4, 26 | LOBACH DAVID M JR Chief Executive Officer |
BUY | 100 | $2.06K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BANKO FRANKIII |
Director | 537.53K | Stock Award(Grant) |
BOYER GEOFFREY F |
Director | — | Sale |
CUNNINGHAM DIANE MARIA |
Officer | 21.29K | Stock Award(Grant) |
ENGLESSON JOHN G |
Director | 44.52K | Stock Award(Grant) |
HUNSICKER JUDITH A |
Chief Operating Officer | 95.08K | Stock Award(Grant) |
LESAVOY BERNARD M |
Director | — | Purchase |
LOBACH DAVID M JR |
Chief Executive Officer | 553.13K | Stock Award(Grant) |
PITTMAN JOHN C |
Director | 364.43K | Stock Award(Grant) |
SMITH PATTI GATES |
Director | — | Stock Award(Grant) |
YURCONIC JOHN T |
Director | 61.32K | Purchase |
Fundamentals
Market cap$160.63M
Enterprise value$35.51M
Revenue (TTM)$48.54M
Gross profit$48.54M
EBITDA—
Net income$15.23M
EPS (TTM)$2.02
Free cash flow—
Total cash$132.94M
Total debt$7.75M
Book value / share$17.29
Shares outstanding7.41M
Float4.47M
Short % of float—
Dividend yield2.53%
Beta (5Y)0.15
Valuation & profitability ratios
Trailing P/E10.74
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.25
EV / revenue0.73
EV / EBITDA—
Gross margin0.00%
Operating margin43.40%
Profit margin31.39%
Return on equity12.57%
Return on assets0.84%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $45.38M | $39.13M | $41.45M | $48.41M | +16.0% |
| Operating revenue | $45.38M | $39.13M | $41.45M | $48.41M | +16.0% |
| Selling, general & admin | $16.75M | $15.97M | $15.52M | $14.68M | +4.9% |
| Pre-tax income | $16.60M | $12.51M | $15.46M | $21.99M | +32.7% |
| Tax provision | $2.90M | $2.07M | $2.80M | $4.29M | +40.1% |
| Net income | $13.70M | $10.44M | $12.66M | $17.70M | +31.2% |
| Net income to common | $13.70M | $10.44M | $12.66M | $17.70M | +31.2% |
| Basic EPS | 1.79 | 1.37 | 1.67 | 2.34 | +30.7% |
| Diluted EPS | 1.79 | 1.37 | 1.67 | 2.34 | +30.7% |
| Basic shares | 7.63M | 7.61M | 7.60M | 7.55M | +0.2% |
| Diluted shares | 7.63M | 7.61M | 7.60M | 7.57M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $111.86M | $95.52M | $77.92M | $66.30M | — | +17.1% |
| Accounts receivable | $4.28M | $3.60M | $3.30M | $2.93M | — | +18.6% |
| Property, plant & equipment | $2.88M | $3.32M | $3.73M | $3.84M | — | -13.3% |
| Total assets | $1.80B | $1.70B | $1.66B | $1.64B | — | +5.6% |
| Current debt | $0 | $15.63M | $35.00M | $0 | — | -100.0% |
| Long-term debt | — | — | — | — | $14.65M | — |
| Total debt | $0 | $15.63M | $35.00M | $0 | — | -100.0% |
| Total liabilities | $1.67B | $1.60B | $1.55B | $1.55B | — | +4.7% |
| Retained earnings | $133.29M | $123.26M | $116.02M | $106.55M | — | +8.1% |
| Shareholder equity | $127.58M | $106.48M | $105.66M | $88.28M | — | +19.8% |
| Net tangible assets | $127.58M | $106.48M | $105.66M | $88.28M | — | +19.8% |
| Shares issued | 7.82M | 7.79M | 7.76M | 7.74M | — | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $13.70M | $10.44M | $12.66M | $17.70M | +31.2% |
| Depreciation & amortisation | $1.06M | $1.15M | $915.00K | $883.00K | -7.1% |
| Stock-based compensation | $382.00K | $521.00K | $568.00K | $527.00K | -26.7% |
| Change in working capital | -$344.00K | $240.00K | $6.68M | $1.16M | -243.3% |
| Operating cash flow | $12.83M | $9.94M | $19.50M | $19.91M | +29.1% |
| Capital expenditure | -$632.00K | -$739.00K | -$806.00K | -$719.00K | +14.5% |
| Investing cash flow | -$67.63M | -$36.15M | $3.25M | -$161.32M | -87.1% |
| Share buybacks | -$1.92M | -$72.00K | -$132.00K | -$100.00K | -2,568.1% |
| Dividends paid | -$3.67M | -$3.20M | -$3.04M | -$2.64M | -14.7% |
| Financing cash flow | $71.13M | $43.81M | -$11.13M | $39.01M | +62.4% |
| Free cash flow | $12.20M | $9.21M | $18.69M | $19.19M | +32.5% |
| End cash position | $112.86M | $96.52M | $78.92M | $67.30M | +16.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $13.08M | $12.10M | $12.07M | $11.66M | $11.27M | — | +8.1% |
| Operating revenue | $13.08M | $12.10M | $12.07M | $11.66M | $11.27M | — | +8.1% |
| Selling, general & admin | $4.33M | $4.33M | $4.32M | $4.19M | $4.24M | — | +0.1% |
| Pre-tax income | $4.99M | $4.58M | $4.36M | $4.60M | $4.13M | — | +9.0% |
| Tax provision | $869.00K | $839.00K | $776.00K | $811.00K | $691.00K | — | +3.6% |
| Net income | $4.12M | $3.74M | $3.58M | $3.79M | $3.44M | — | +10.3% |
| Net income to common | $4.12M | $3.74M | $3.58M | $3.79M | $3.44M | — | +10.3% |
| Basic EPS | 0.56 | 0.50 | — | 0.50 | 0.45 | 0.38 | +12.0% |
| Diluted EPS | 0.56 | 0.50 | — | 0.50 | 0.45 | 0.38 | +12.0% |
| Basic shares | 7.41M | 7.54M | — | 7.65M | 7.64M | 7.64M | -1.6% |
| Diluted shares | 7.41M | 7.54M | — | 7.65M | 7.64M | 7.64M | -1.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $131.94M | $140.83M | $111.86M | $107.00M | $90.82M | — | -6.3% |
| Accounts receivable | $4.45M | $4.28M | $4.28M | $4.05M | $4.11M | — | +4.0% |
| Property, plant & equipment | $2.74M | $2.79M | $2.88M | $3.01M | $3.17M | — | -1.5% |
| Total assets | $1.86B | $1.84B | $1.80B | $1.78B | $1.76B | — | +0.9% |
| Current debt | — | — | $0 | $0 | $0 | $0 | — |
| Total debt | — | — | $0 | $0 | $0 | $0 | — |
| Total liabilities | $1.73B | $1.72B | $1.67B | $1.66B | $1.65B | — | +0.8% |
| Retained earnings | $137.08M | $137.03M | $133.29M | $129.71M | $125.91M | — | +0.0% |
| Shareholder equity | $128.05M | $124.81M | $127.58M | $122.43M | $114.31M | — | +2.6% |
| Net tangible assets | $128.05M | $124.81M | $127.58M | $122.43M | $114.31M | — | +2.6% |
| Shares issued | 7.41M | 7.84M | 7.82M | 7.81M | 7.81M | — | -5.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $4.12M | $3.74M | $3.58M | $3.79M | $3.44M | — | +10.3% |
| Depreciation & amortisation | $285.00K | $269.00K | $262.00K | $275.00K | $268.00K | — | +5.9% |
| Stock-based compensation | $28.00K | $338.00K | $28.00K | $28.00K | $27.00K | — | -91.7% |
| Change in working capital | -$1.11M | $757.00K | $293.00K | $393.00K | -$614.00K | — | -246.6% |
| Operating cash flow | $3.18M | $4.83M | $3.88M | $3.99M | $2.27M | — | -34.2% |
| Capital expenditure | -$243.00K | -$175.00K | -$128.00K | -$121.00K | -$305.00K | — | -38.9% |
| Investing cash flow | -$18.79M | -$17.32M | -$14.57M | $1.30M | -$7.85M | — | -8.4% |
| Share buybacks | -$215.00K | -$2.96M | — | — | $0 | $0 | +92.7% |
| Dividends paid | — | — | $0 | — | — | — | — |
| Financing cash flow | $6.71M | $41.47M | $15.55M | $10.89M | -$514.00K | — | -83.8% |
| Free cash flow | $2.94M | $4.66M | $3.76M | $3.87M | $1.97M | — | -36.9% |
| End cash position | $132.94M | $141.83M | $112.86M | $108.00M | $91.82M | — | -6.3% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders30.80%
Held by institutions15.42%
Institutions holding4
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
21.89
-0.94% from price
SMA 20
22.02
-1.48% from price
SMA 50
22.23
-2.42% from price
SMA 100
21.87
-0.84% from price
SMA 200
20.68
+4.90% from price
EMA 12
21.89
-0.92% from price
EMA 26
22.02
-1.50% from price
EMA 50
22.04
-1.58% from price
RSI (14)
5.8
Oversold
MACD (12,26,9)
-0.13
Hist -0.04
ATR (14)
0.21
0.99% of price
Realised vol 30D
2.4%
Annualised
Bollinger upper
22.34
20, 2σ
Bollinger lower
21.70
20, 2σ
50 / 200 cross
Golden
22.23 vs 20.68
Trend bias
Above 200
+4.90%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.09
Less volatile than market
Correlation to SPY
0.12
Largely independent
Realised vol 30D
2.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-4.3%
Peak to trough
Max drawdown 5Y
-39.3%
Peak to trough
ATR 14
0.21
0.99% of price
Beta (reported)
0.15
5Y monthly, from filing
Dividends & splits
Forward rate$0.55 / yr
Forward yield2.53%
5-year avg yield2.24%
Payout ratio27.23%
Ex-dividend dateJun 26, 2026
Next pay dateJul 14, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-13
Corporate Changes & Voting Matters
8-K · 2026-08-11
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-06-18
Corporate Changes & Voting Matters
8-K · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-06-01
Periodic Financial Reports
10-Q · 2026-05-13
Annual Report to Shareholders
ARS · 2026-05-01
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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