Embassy Bancorp Stock Price, News & Analysis

Embassy Bancorp (OTCQX: EMYB) announced the promotion of Jeffrey Skumin to Chief Financial Officer of the company and Embassy Bank for the Lehigh Valley, effective December 31, 2025. Mr. Skumin will continue to oversee the finance department and guide the company’s financial strategy and growth.

He joined Embassy in March 2020 as Executive Vice President of Finance and previously spent 19 years as a CPA, including serving as an audit partner focused on financial institutions and most recently as Chief Accounting Officer at a large regional bank.

The company highlighted his local ties to the Lehigh Valley and experience as reasons for the appointment.

Embassy Bancorp (OTCQX: EMYB) filed its Form 10-Q for the period ended September 30, 2025, reporting stronger liquidity, asset quality and profitability for Embassy Bank For the Lehigh Valley.

• Cash: $108.0 million (6.1% of assets) at 9/30/2025.
• Deposits: $1.62 billion at 9/30/2025, +$67.6 million (+4.4%) vs 12/31/2024.
• NIM (FTE): 2.52% for Q3 2025 (up from 2.43% Q2 2025 and 2.21% year-ago).
• Net income: $3.8M ($0.50 diluted) for Q3 2025; $10.1M ($1.32) for 9M 2025.
• Asset quality: noncurrent loans 0.04% vs Pennsylvania peer 0.60%.

Embassy Bancorp (OTCQX: EMYB) announced a stock repurchase program authorizing up to $5.0 million of its outstanding common stock, effective October 31, 2025. This is the company's first stock repurchase program.

Repurchases may be made in the open market or via privately negotiated transactions, will depend on price, regulatory and corporate requirements, and do not obligate the company to repurchase any specific number of shares. The program has no expiration date and may be suspended or terminated at any time.

Embassy Bank for the Lehigh Valley (NYSE:EMYB) was named “Best Bank” in The Morning Call’s 2025 Readers’ Choice Awards on Oct. 22, 2025, marking its 11th win and highlighting community trust and service.

Other 2025 recognitions include Best Bank & Best Mortgage Company (Who’s Who in Business, fourth consecutive year) and a 5-star rating from Bauer Financial. Per the FDIC Summary of Deposits (June 30, 2025), Embassy ranks fourth in deposit market share across Lehigh and Northampton Counties and was the only top-four bank to gain market share during the reporting period.

Embassy Bancorp (OTCQX: EMYB) reported strong financial results for Q2 2025, with net income reaching $3.4 million ($0.45 per diluted share), up from $2.5 million in Q2 2024. The bank's six-month performance showed net income of $6.3 million ($0.83 per diluted share), compared to $5.0 million in the same period of 2024.

The bank demonstrated solid operational metrics with deposits increasing by $57.2 million to $1.61 billion as of June 30, 2025. Net interest margin improved to 2.43%, up from 2.16% year-over-year, while maintaining a competitive cost of funds at 1.81%. The bank's asset quality remained exceptional with noncurrent loans at just 0.04% of total loans, significantly outperforming the Pennsylvania peer group average of 0.49%.

Embassy Bank (OTCQX:EMYB) has announced the appointment of Adrienne Kwiatek-Holub as Vice President of Business Banking. Kwiatek-Holub brings over 30 years of commercial banking experience and strong ties to the Lehigh Valley community.

A Lehigh Valley native, she holds an MBA from Lehigh University and has served as President of Commercial Real Estate Women (CREW) Lehigh Valley. Her achievements include receiving the SUITS Award from Equi-librium Inc. and being recognized as a 2024 Women of Influence by Lehigh Valley Business.

Embassy Bancorp, Inc. (OTCQX: EMYB) has declared an annual cash dividend of $0.48 per share, marking a 14% increase from the previous year and its 16th consecutive year of dividend payments. The dividend will be paid on July 15, 2025, to shareholders of record as of June 27, 2025. The bank has received multiple accolades, including being named Reader's Choice Best Bank for the 10th consecutive year by The Morning Call, Best Bank and Best Mortgage Company by Lehigh Valley Style Magazine, and a 5-star rating from Bauer Financial. Embassy Bancorp was also ranked 45th among top 100 publicly traded community banks with assets under $2 billion by American Banker Magazine, based on three-year average ROE.

Embassy Bancorp (OTCQX: EMYB) reported strong Q1 2025 financial results, with net income rising to $2.9 million ($0.38 per diluted share), up from $2.5 million ($0.33 per diluted share) in Q1 2024. The bank's deposits increased by $59.0 million to $1.61 billion at March 31, 2025, from $1.55 billion at December 31, 2024.

The bank's performance showed improvements in key metrics, with net interest margin (FTE) increasing to 2.34% in Q1 2025, up from 2.28% in Q4 2024 and 2.20% in Q1 2024. Cost of funds decreased to 1.80%, below the Pennsylvania peer group average of 2.11%. The bank maintains strong asset quality with noncurrent loans at just 0.04% of total loans, significantly better than the peer group's 0.46%.

Embassy Bank (EMYB) has been named "Best Bank & Mortgage Company" in the Who's Who in Business survey for the fourth consecutive year, as featured in Lehigh Valley Style magazine. The survey, conducted by FieldGoals.US, gathered feedback from thousands of Lehigh Valley residents regarding their experiences with local businesses.

Dave Lobach, Chairman, President and CEO of Embassy Bank, emphasized the significance of this community-driven recognition, highlighting the bank's commitment to providing personalized financial solutions as an independent community bank. The award reflects Embassy's consistent delivery of outstanding service and dedication to building trusted relationships within the Lehigh Valley region.