Embassy Bancorp, Inc.
- EMYB · OTC
- State Commercial Banks
- Bethlehem, PA
- 114 employees
- CIK 0001449794
Updated from SEC filings through
Top things to know
Executives
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David M. Lobach Jr Chairman, President and CEO 4, 2026-09-21 - Jeffrey C. Skumin EVP, CFO 4, 2026-06-15
- Lynne Marie Neel Sr. Executive Vice President 4, 2026-06-15
- Diane Maria Cunningham Sr. Executive Vice President 4, 2025-12-17
- Judith A. Hunsicker FEO, COO 4, 2026-09-21
- Michael B. Macy EVP, CLO Business Banking 4, 2026-06-15
Embassy Bancorp, Inc. is a U.S. public company in state commercial banks (SIC 6022), headquartered in Bethlehem, PA. It trades as EMYB on OTC. Revenue was $71.5M in the fiscal year ending December 31, 2025, +10.0% from the year before. It reported about 114 employees. David M. Lobach Jr is Chairman, President and CEO.
Five-year financials
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $71.5M 10-K, 2026-03-16 | $65.0M 10-K, 2026-03-16 | $57.2M 10-K, 2025-03-17 | $50.4M 10-K, 2024-03-28 | $47.5M 10-K, 2023-03-17 |
| Operating income | Not on file | Not on file | Not on file | Not on file | Not on file |
| SG&A | Not on file | Not on file | Not on file | Not on file | Not on file |
| Net income | $13.7M 10-K, 2026-03-16 | $10.4M 10-K, 2026-03-16 | $12.7M 10-K, 2025-03-17 | $17.7M 10-K, 2024-03-28 | $16.8M 10-K, 2023-03-17 |
Annual figures from XBRL in each company's own filings. Click a figure to open the filing. SG&A marked derived is general and administrative plus selling and marketing.
Leadership and board
| Name | Title | Source |
|---|---|---|
| David M. Lobach Jr | Chairman, President and CEO | 4, 2026-09-21 |
| Jeffrey C. Skumin | EVP, CFO | 4, 2026-06-15 |
| Lynne Marie Neel | Sr. Executive Vice President | 4, 2026-06-15 |
| Diane Maria Cunningham | Sr. Executive Vice President | 4, 2025-12-17 |
| Judith A. Hunsicker | FEO, COO | 4, 2026-09-21 |
| Michael B. Macy | EVP, CLO Business Banking | 4, 2026-06-15 |
| Brandi Stefanov Executive Vice President at Embassy Bank For the Lehigh Valley | EVP, Branch Administration | 4, 2025-12-17 |
| Jennifer Tropeano | EVP, Consumer Lending | 4, 2025-12-17 |
What Embassy Bancorp, Inc. does
Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. The reorganization enabled the Company to better compete and grow in its competitive and rapidly changing marketplace.
Item 1. Business, 10-K for the year ending December 31, 2025
Shares and governance
| Shares outstanding | 7.4 million (as of August 7, 2026) | 10-Q, August 13, 2026 |
|---|---|---|
| Public float | $87.9M (as of June 30, 2025) | 10-K, March 16, 2026 |
| Latest proxy statement | Meeting June 17, 2026 (filed April 27, 2026) | DEF 14A, April 27, 2026 |
| Auditor | Baker Tilly US, LLP (Allentown, Pennsylvania) | Latest 10-K |
Insider trades
Open-market buys and sales by officers and directors, from Forms 4 and 5. One row per filing.
| Date | Insider | Trade | Shares | Value | Source |
|---|---|---|---|---|---|
| September 23, 2026 | Geoffrey F. Boyer Director | Sale | 2,200 | $48K | Form 4, September 24, 2026 |
| August 28, 2026 | David M. Lobach Jr Chairman, President and CEO | Buy | 100 | $2K | Form 4, August 31, 2026 |
| August 26, 2026 | Bernard M. Lesavoy Director | Buy | 1,446 | $32K | Form 4, August 26, 2026 |
| August 18, 2026 | David M. Lobach Jr Chairman, President and CEO | Buy | 2,000 | $45K | Form 4, August 19, 2026 |
| June 15, 2026 | Michael B. Macy EVP, CLO Business Banking | Buy | 1,000 | $21K | Form 4, June 15, 2026 |
| June 15, 2026 | Jeffrey C. Skumin EVP, CFO | Buy | 50 | $1K | Form 4, June 15, 2026 |
| June 15, 2026 | Lynne Marie Neel Sr. Executive Vice President | Buy | 350 | $8K | Form 4, June 15, 2026 |
| June 15, 2026 | Bernard M. Lesavoy Director | Buy | 100 | $2K | Form 4, June 15, 2026 |
Recent 8-K events
- 8-K filed 2026-08-11
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-07-21
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-06-18
- Item 5.07 Submission of matters to a vote of security holders
- 8-K filed 2026-06-17
- Item 8.01 Other events
- 8-K filed 2026-06-17
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-06-01
- Item 8.01 Other events
- 8-K filed 2025-12-05
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2025-11-06
- Item 7.01 Regulation FD disclosure
- 8-K filed 2025-10-27
- Item 8.01 Other events
- 8-K filed 2025-06-20
- Item 5.07 Submission of matters to a vote of security holders
Frequently asked questions about Embassy Bancorp, Inc.
- What does Embassy Bancorp, Inc. do?
- In its own words, from Item 1 of its 10-K: "Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. The reorganization enabled the Company to better compete and grow in its competitive and rapidly changing marketplace."
- What is Embassy Bancorp, Inc.'s revenue?
- $71.5M for the fiscal year ending December 31, 2025, from its 10-K filed March 16, 2026.
- Is Embassy Bancorp, Inc. profitable?
- Embassy Bancorp, Inc. reported net income of $13.7M for the fiscal year ending December 31, 2025.
- How many employees does Embassy Bancorp, Inc. have?
- About 114 as of December 31, 2025, as stated in its annual report.
- Who is the CEO of Embassy Bancorp, Inc.?
- David M. Lobach Jr, Chairman, President and CEO, as named in a 4 filed September 21, 2026.
- Who is the CFO of Embassy Bancorp, Inc.?
- Jeffrey C. Skumin, EVP, CFO, as named in a 4 filed June 15, 2026.
- Where is Embassy Bancorp, Inc. headquartered?
- Bethlehem, PA.
- What is Embassy Bancorp, Inc.'s stock ticker?
- EMYB on OTC.
- What industry is Embassy Bancorp, Inc. in?
- State Commercial Banks, SIC code 6022.
- What is Embassy Bancorp, Inc.'s website?
- embassybank.com. Investor relations: https://investors.embassybank.com/overview/default.aspx.
- When does Embassy Bancorp, Inc. report earnings next?
- November 13, 2026. Source: estimate_10q_cadence.
- Is Embassy Bancorp, Inc. a public company?
- Yes. Embassy Bancorp, Inc. files with the SEC under CIK 0001449794 and trades as EMYB.
- Who audits Embassy Bancorp, Inc.?
- Baker Tilly US, LLP, Allentown, Pennsylvania, as named in its latest annual report (10-K).
- How many shares of Embassy Bancorp, Inc. are outstanding?
- 7.4 million shares as of August 7, 2026, from its 10-Q filed August 13, 2026.
- What is Embassy Bancorp, Inc.'s public float?
- $87.9M as of June 30, 2025, as reported on the cover of its 10-K filed March 16, 2026.
- When is Embassy Bancorp, Inc.'s annual shareholder meeting?
- June 17, 2026, per its proxy statement (DEF 14A) filed April 27, 2026.
- Have Embassy Bancorp, Inc. insiders traded stock recently?
- Since August 18, 2025, officers and directors reported 3 open-market sales worth about $154K and 31 purchases worth about $445K on Forms 4 and 5. The most recent: Geoffrey F. Boyer (Director) sold 2,200 shares on September 23, 2026.