Embassy Bancorp Adds $5M to Stock Buyback Program

Embassy Bancorp, Inc. expanded its common stock repurchase program by authorizing up to an additional $5 million of its common stock for repurchase, effective June 1, 2026.

Rhea-AI Filing Summary

Embassy Bancorp, Inc. expanded its common stock repurchase program by authorizing up to an additional $5 million of its common stock for repurchase, effective June 1, 2026. This follows the initial $5 million program announced in October 2025.

Under the first authorization, the company repurchased 258,301 shares for a total of $4.856 million, leaving $144 thousand available as of the end of the first quarter of 2026. The program has no expiration date, and repurchases may occur in open market or privately negotiated transactions, subject to market, regulatory, and liquidity considerations.

Insights

Banking sector equity analyst

Embassy Bancorp adds $5M to an already active buyback program.

Embassy Bancorp has effectively doubled its original stock repurchase capacity by authorizing an additional $5 million in buybacks after using nearly all of the initial $5 million program. Management cites balance sheet strength and confidence in its strategy and cash flows.

The company previously repurchased 258,301 shares for $4.856 million, indicating active execution rather than a dormant authorization. With over $1.8 billion in assets and continued profitability implied by a 5‑Star Bauer Financial rating, this move aligns with a capital return posture.

The actual impact will depend on how quickly and at what prices shares are repurchased, as the program has no expiration date and can be suspended or terminated at any time. Future disclosures in periodic filings may detail buyback execution and its effect on per-share metrics.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

New buyback authorization: $5 million Initial buyback authorization: $5 million Amount used under first program: $4.856 million +5 more

8 metrics

New buyback authorization $5 million Additional common stock repurchase capacity effective June 1, 2026

Initial buyback authorization $5 million First Stock Repurchase Program announced October 27, 2025

Amount used under first program $4.856 million Cumulative repurchases under initial authorization

Remaining initial authorization $144 thousand Available as of end of Q1 2026

Shares repurchased 258,301 shares Cumulative repurchases under Stock Repurchase Program

Total assets Over $1.8 billion Embassy Bancorp consolidated assets

Branch locations 10 branches Embassy Bank locations in Pennsylvania’s Lehigh Valley

Bauer rating 5-Star Bauer Financial rating for Embassy Bank

Key Terms

stock repurchase program, open market, privately negotiated transactions, forward-looking statements, +2 more

6 terms

stock repurchase program financial

"amended its existing common stock repurchase program (the “Stock Repurchase Program”) to authorize the repurchase of up to an additional $5 million"

A stock repurchase program is when a company buys back its own shares from the market. This can make each remaining share more valuable and shows that the company believes its stock is a good investment. It’s like a business treating its shares like a limited resource, hoping to boost confidence and share prices.

open market financial

"Repurchases under the Stock Repurchase Program will be made in open market or in privately negotiated transactions."

An open market is a system where buying and selling of goods, services, or financial assets happen freely without restrictions or special controls. For investors, it means they can trade assets easily and quickly, which helps determine fair prices based on supply and demand. This environment encourages transparency and competition, making it easier to buy or sell with confidence.

privately negotiated transactions financial

"Repurchases under the Stock Repurchase Program will be made in open market or in privately negotiated transactions."

Privately negotiated transactions are deals made directly between parties without involving a public marketplace or open auction. They are like private sales between two individuals rather than items sold at a busy marketplace open to everyone. For investors, these transactions can offer more tailored terms and privacy, but they may also carry different risks and less transparency compared to public exchanges.

forward-looking statements regulatory

"This document may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995."

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

Bauer Financial rating financial

"continues to hold a 5‑Star Bauer Financial rating, reflecting its strong performance and long‑standing stability."

deposit market share financial

"The Bank also ranks fourth in deposit market share across Lehigh and Northampton Counties as of June 2025"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Embassy Bancorp (EMYB) announce about its stock repurchase program?

Embassy Bancorp authorized up to an additional $5 million for its common stock repurchase program, effective June 1, 2026. This expands the existing program and allows the company to continue buying back shares in open market or privately negotiated transactions.

How much of Embassy Bancorp’s original stock buyback authorization has been used?

Embassy Bancorp has used $4.856 million of its original $5 million authorization, leaving $144 thousand available as of the end of the first quarter of 2026. That initial program led to the repurchase of 258,301 common shares.

When does Embassy Bancorp’s expanded stock repurchase program take effect?

The expanded Embassy Bancorp stock repurchase program becomes effective on June 1, 2026. From that date, the company may continue repurchasing shares under both the remaining original authorization and the new additional $5 million capacity, subject to market and regulatory factors.

Are there limits or an expiration date on Embassy Bancorp’s stock repurchase program?

The Stock Repurchase Program does not have an expiration date and does not require buying a specific number of shares. It may be exercised over time as conditions warrant and can be suspended or terminated at any time without prior notice by Embassy Bancorp.

How will Embassy Bancorp execute repurchases under its stock buyback program?

Embassy Bancorp plans to execute repurchases in open market or privately negotiated transactions. The timing and amount will depend on share price, corporate and regulatory requirements, overall market conditions, and the company’s liquidity needs and other capital priorities.

What size is Embassy Bancorp relative to its expanded buyback authorization?

Embassy Bancorp reports having over $1.8 billion in assets, making the additional $5 million buyback authorization modest relative to its balance sheet. The bank operates ten branches in Pennsylvania’s Lehigh Valley and emphasizes long-standing financial stability and community banking recognition.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 06/01/2026 - 04:37 PM EDT Learn about SEC filing dates

false000144979400014497942026-06-012026-06-01

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): June 1, 2026

EMBASSY BANCORP, INC.

(Exact name of registrant as specified in its charter)

Pennsylvania		000-53528		26-3339011
(State or other jurisdiction		(Commission File Number)		(IRS Employer
of incorporation)				Identification No.)

100 Gateway Drive, Suite 100
Bethlehem, PA		18017
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (610) 882-8800

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None.

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240. 12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ¨

‎

Item 8.01 Other Events.

On June 1, 2026, Embassy Bancorp, Inc. (the “Company”), the holding company of Embassy Bank For the Lehigh Valley, issued a press release announcing that the Company’s Board of Directors has approved an amendment to its existing common stock repurchase program to authorize the purchase of up to an additional $5 million of the Company’s outstanding common stock. This expanded stock repurchase program will become effective on June 1, 2026. For more information, reference is made to the Company’s press release dated June 1, 2026, a copy of which is attached hereto as Exhibit 99.1.

Item 9.01.Financial Statements and Exhibits.

(d)Exhibits

Exhibit No. Description

99.1 Press Release issued June 1, 2026

‎

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			Embassy Bancorp, Inc.
Date: June 1, 2026			By:	/s/ Jeffrey C. Skumin
			Name:	Jeffrey C. Skumin
			Title:	Executive Vice President,
				Chief Financial Officer

Embassy Bancorp, Inc. Announces Expansion of its Stock Repurchase Program

BETHLEHEM, Pa., June 1, 2026 (GLOBE NEWSWIRE) -- Embassy Bancorp, Inc. (OTCQX: EMYB) (the “Company”), the parent company of Embassy Bank For the Lehigh Valley (the “Bank”), announces that the Board of Directors has amended its existing common stock repurchase program (the “Stock Repurchase Program”) to authorize the repurchase of up to an additional $5 million of the Company’s common stock. This expanded stock repurchase program will be effective June 1, 2026.

The Company announced its first Stock Repurchase Program on October 27, 2025, which authorized the repurchase of up to $5 million of the Company’s common stock. As disclosed in its most recent Quarterly Report on Form 10-Q, filed with the U.S. Securities and Exchange Commission on May 13, 2026, all but $144 thousand of this allotment was used by the Company as of the end of the first quarter of 2026. Cumulatively, under the Stock Repurchase Program, the Company repurchased 258,301 shares in a total amount of $4.856 million. This amendment will provide for an additional $5 million of the Company’s common stock available for repurchases.   

David M. Lobach, Jr., the Company’s Chairman, President and Chief Executive Officer, stated, “Following the successful execution of our first Stock Repurchase Program announced in October 2025, we are pleased to build on that momentum with this expanded authorization. This decision reflects the continued strength of our balance sheet, our disciplined and balanced approach to capital allocation, and our confidence in the quality of the Company’s strategy and cash flow profile. We believe this authorization supports our ongoing objective of delivering attractive long-term value for our shareholders.”

Repurchases under the Stock Repurchase Program will be made in open market or in privately negotiated transactions. This authority may be exercised from time to time and in such amounts as market conditions warrant, and subject to regulatory considerations. The timing and value of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, market conditions, and other corporate liquidity requirements and priorities. The Stock Repurchase Program does not require the Company to repurchase any specific number of shares. The Stock Repurchase Program does not have an expiration date and may be suspended or terminated at any time without prior notice.

About Embassy Bancorp, Inc.

Embassy Bancorp, Inc., with over $1.8 billion in assets, is the parent company of Embassy Bank For the Lehigh Valley, a full-service community bank that has served Pennsylvania’s Lehigh Valley since 2001. With ten branch locations and a comprehensive suite of digital banking services, Embassy Bank remains committed to providing exceptional financial solutions to the community.

Embassy Bank was recently named the Lehigh Valley’s “Best Bank & Mortgage Company” for the fifth consecutive year by the Who’s Who in Business survey published in Lehigh Valley Style magazine. The Bank also ranks fourth in deposit market share across Lehigh and Northampton Counties as of June 2025, earned The Morning Call’s “Best Bank” designation in 2025, and continues to hold a 5‑Star Bauer Financial rating, reflecting its strong performance and long‑standing stability.

For more information, visit www.embassybank.com.

Safe Harbor for Forward-Looking Statements

This document may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various risks, uncertainties and other factors. Such risks, uncertainties and other factors that could cause actual results and experience to differ from those projected include, but are not limited to, the following: ineffectiveness of the company’s business strategy due to changes in current or future market conditions; the effects of competition, and of changes in laws and regulations, including industry consolidation and development of competing financial products and services; interest rate movements; changes in credit quality; difficulties in integrating distinct business operations, including information technology difficulties; volatilities in the securities markets; and deteriorating economic conditions, and other risks and uncertainties, including those detailed in Embassy Bancorp, Inc.’s filings with the U.S. Securities and Exchange Commission (SEC). The statements are valid only as of the date hereof and Embassy Bancorp, Inc. disclaims any obligation to update this information.

Contact:
David M. Lobach, Jr.
Chairman, President and CEO
(610) 882-8800





Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 8.1 KB

Other Documents

• EX-101 EX-101.SCH 2.3 KB
• EX-101 EX-101.LAB 12.9 KB
• EX-101 EX-101.PRE 9.5 KB