EMYB
Embassy Bancorp, Inc.18.11
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
138.47MP/E (TTM)
10.84Basic EPS (TTM)
1.67Dividend Yield
0.03%Recent Filings
8-K
10-Q
Q3 FY2025 results
Embassy Bancorp posted solid Q3 results, with net income jumping 39.8% year-over-year to $3.8 million and diluted EPS rising to $0.50 from $0.36, fueled by net interest income growth to $10.9 million on higher loan yields and volumes while interest expense dipped 4.5% to $7.4 million. Year-to-date, net income climbed 30.7% to $10.1 million, with EPS at $1.32 versus $1.02 last year, as deposits swelled 4.4% to $1.62 billion and loans edged up 0.9% to $1.28 billion. Cash equivalents hit $108 million, bolstered by $8.9 million in operating cash flow, and no short-term borrowings remain outstanding with $703.7 million available from FHLB lines. Non-GAAP metrics not disclosed in the 10-Q. Yet regulatory scrutiny on commercial real estate loans, which form 43% of the portfolio, lingers as a key watch point.
8-K
Embassy Bancorp Q3 update
Embassy Bancorp disclosed a stakeholder presentation on November 6, 2025, highlighting robust Lehigh Valley operations with 10 branches, $1.6 billion in deposits, and $1.2 billion in loans as of Q2 2025. Year-to-date net income through September 2025 hit $10.5 million, up from $8.1 million last year, while ROAE reached 11.1% and ROAA 0.9% in Q3. The bank announced a stock repurchase program to boost EPS and signal confidence. Yet economic shifts pose risks to these gains.
8-K
Embassy launches $5M buyback
Embassy Bancorp announced a $5 million stock repurchase program on October 27, 2025, effective October 31, marking its first such initiative to deploy capital amid strong financials. The board aims to enhance long-term shareholder value through open-market or negotiated buys, flexible to market conditions without a set timeline. This signals confidence in the balance sheet. Yet risks like market volatility could alter execution.
10-Q
Q2 FY2025 results
Embassy Bancorp's Q2 2025 results showed net income climbing 37.9% year-over-year to $3.4 million, with diluted EPS up to $0.45 from $0.33, driven by net interest income surging 17.2% to $10.4 million on higher loan and securities yields. Loans grew modestly 1.1% to $1.28 billion, while deposits expanded 3.6% to $1.61 billion, bolstering liquidity with $91.8 million in cash equivalents and $701.8 million available FHLB borrowing capacity. Non-interest expenses rose 7.7% to $7.4 million, mainly from salaries and data processing upgrades, yet efficiency improved to 65.2%. Balance sheet strength persists. Non-GAAP metrics not disclosed in the 10-Q. Elevated interest rates pose ongoing pressure on funding costs.
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