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Embassy Bancorp, Inc. Stock: price and insider trades · United States
1 insider bought €40k of shares over the last 90 days, the latest filed 31 Aug 2026.
Embassy Bancorp, Inc.: what insiders have been doing
Embassy Bancorp, Inc., classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). From 18 October 2025 to 18 October 2026, the disclosure feed for Embassy Bancorp, Inc. logged 47 filings by 15 insiders.
Purchases and sales both appear in the filings: 24 purchases (7 insiders, €147k) and 5 sales (3 insiders, €133k). The totals exclude 8 filings filed without an amount. Buying on the open market means paying the going price with one's own funds, a different act from receiving shares as pay. Among those who bought: 6 senior executives, 1 finance chief and 1 chief executive. Smith Patti Gates filed the largest sale, €46k, on 4 December 2025.
For context, the typical company on the same exchange (median of 5,811 companies) published 19 filings over the same period, against 47 filings here. Since 2016, the database holds 83 purchases and 11 sales by insiders of the company. For the fiscal year to 31 December 2025, the annual 10-K puts net income at 13.7 m USD, and the dividend at 0.48 USD per share.
Within a 30-day window, 11 purchases overlapped with buying by a second insider. Purchases made close together by different insiders form what is called a cluster. The clock since the last published purchase (31 August 2026) now reads 47 days. Typically, a trade is published a median of 2 days after it takes place. For comparison, the SEC allows two business days to file a Form 4.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
183
Thresholds
n/a
Buy Volume
€826,769
83 ops. · all time
Sell Volume
€841,704
11 ops. · all time
Who traded when
BuySaleDavid M. Lobach Jr.24 buys
Bernard M. Lesavoy8 buys
Frank Banko III3 buys
Geoffrey F. Boyer3 sales
John T. Yurconic3 buys
Jeffrey C. Skumin2 buys
+6 other insiders
Since the insiders bought
- -4.1%Entry US$22.25 · Close 15 Oct 2026 US$21.34
- -1.7%Entry US$21.72 · Close 15 Oct 2026 US$21.34
- -1.7%Entry US$21.72 · Close 15 Oct 2026 US$21.34
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 894 of 24,148 companies
80.7
score / 100
Value80
Quality82
FCF yld7.8%
Earn yld8.7%
EV/EBITDA·
ROE13%
Gross mgn·
Net mgn30%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$21.35
Analyst consensus
Income statement
RevenueUS$45.4M
Net incomeUS$13.7M31.4% margin
Valuation
PER (trailing)10.6x
P/Book1.2x
Beta0.15
Balance sheet & cash
Market capUS$158.1M
Free Cash FlowUS$12.2M
Profitability & ownership
ROE12.6%
ROA0.8%
% insiders30.8%
% institutions15.4%
Last declaration on 24 September 2026
Declarations183 total
800 shares@ US$21.600.011% mcap36.1% of flowCommon StockSEC:0001464637-26-000002:2
1,100 shares@ US$21.950.015% mcap50.3% of flowCommon StockSEC:0001464637-26-000002:0
300 shares@ US$21.800.0040% mcap13.6% of flowCommon StockSEC:0001464637-26-000002:1
1,931 shares0Common StockSEC:0001464629-26-000001:0
2,784 shares0Common StockSEC:0001464631-26-000009:0
100 shares@ US$22.300.0013% mcap0.3% of flowCommon StockSEC:0001464631-26-000008:0
Canonical exit: 26 Nov 2026 (T+90)
500 shares@ US$22.390.0067% mcap1.3% of flowCommon StockSEC:0001464631-26-000007:0
Canonical exit: 16 Nov 2026 (T+90)
500 shares@ US$22.150.0066% mcap1.3% of flowCommon StockSEC:0001464631-26-000007:1
Canonical exit: 16 Nov 2026 (T+90)
500 sharesCommon StockSEC:0001464631-26-000006:0
Canonical exit: 13 Sept 2026 (T+90)
100 sharesCommon StockSEC:0001464633-26-000003:0
Canonical exit: 13 Sept 2026 (T+90)
350 sharesCommon StockSEC:0001729952-26-000001:0
Canonical exit: 13 Sept 2026 (T+90)
50 sharesCommon StockSEC:0001761460-26-000001:0
Canonical exit: 13 Sept 2026 (T+90)
1,000 sharesCommon StockSEC:0001962038-26-000001:0
Canonical exit: 13 Sept 2026 (T+90)
500 sharesCommon StockSEC:0001464630-26-000002:0
Canonical exit: 13 Sept 2026 (T+90)
400 sharesCommon StockSEC:0001464631-26-000005:0
Canonical exit: 6 Sept 2026 (T+90)
100 sharesCommon StockSEC:0001464631-26-000005:1
Canonical exit: 6 Sept 2026 (T+90)
100 shares@ US$20.610.0011% mcap0.2% of flowCommon StockSEC:0001464631-26-000004:0
Canonical exit: 2 Sept 2026 (T+90)
100 shares@ US$19.650.2% of flowCommon StockSEC:0001464631-26-000002:0
Canonical exit: 21 Jun 2026 (T+90)
200 shares@ US$19.800.5% of flowCommon StockSEC:0001464631-26-000001:0
Canonical exit: 17 Jun 2026 (T+90)
1,000 shares@ US$19.6411.1% of flowCommon StockSEC:0001464633-26-000002:0
Canonical exit: 17 Jun 2026 (T+90)
1,812 shares0Common StockSEC:0001464637-26-000001:0
1,812 shares0Common StockSEC:0001464633-26-000001:0
3,625 shares0Common StockSEC:0001464630-26-000001:0
1,812 shares0Common StockSEC:0001667682-26-000001:0
3,346 shares0Common StockSEC:0001522115-26-000001:0
25 of 183 declarations
About Embassy Bancorp, Inc.
Embassy Bancorp, Inc. (ticker: EMYB) is a U.S.-listed banking company whose shares trade on the NYSE/NASDAQ market under the EMYB symbol. For international investors, the company is best understood as a local and relationship-driven community bank rather than a diversified national financial platform. Embassy Bancorp is a Pennsylvania corporation organized in 2008 and registered as a bank holding company under the Bank Holding Company Act. Its business is overwhelmingly tied to the United States, with a strong concentration in the Lehigh Valley region of Pennsylvania. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1449794/000144979425000002/emyb-20241231x10k.htm?utm_source=openai))
The company operates as a single reportable segment, and through its banking subsidiary it provides a broad range of commercial and retail banking services to individuals, businesses, and government customers in the Lehigh Valley area. Its core activities include taking time, savings, and demand deposits, and making commercial, consumer, residential mortgage, and home equity loans. That mix gives the firm a classic community-banking profile: spread income from lending and deposits, supported by relationship banking and local market knowledge. In the company’s own disclosures, net interest income remains the key profitability driver, alongside non-interest income, operating expenses, and net income. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1449794/000144979425000006/annualreport1.pdf?utm_source=openai))
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Geographically, Embassy Bancorp is headquartered in Hanover Township, Northampton County, Pennsylvania, and draws the majority of its deposits and business from communities surrounding its principal office and branch network. The company’s footprint is centered around Allentown, Bethlehem, Easton, and other municipalities in Lehigh and Northampton Counties. This is an important strategic point: the bank benefits from a concentrated local deposit franchise and strong community visibility, but it also has limited geographic diversification compared with larger regional or national banks. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1449794/000144979426000003/emyb-20251231x10k.htm?utm_source=openai))
From a competitive standpoint, Embassy Bancorp competes with much larger banks that have broader branch networks, larger capital bases, bigger technology budgets, and more extensive marketing reach. Its competitive edge is therefore not scale, but proximity, customer relationships, and specialized knowledge of its local market. The company’s filings indicate that it has built deposit relationships through relationship-building, sales, marketing, and cross-marketing with loan and other non-depository banking customers. In practical terms, this suggests a steady, deposit-led model rather than an aggressive growth story. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1449794/000144979425000002/emyb-20241231x10k.htm?utm_source=openai))
Recent disclosures also show a continued emphasis on governance, insider-trading compliance, and shareholder communication, including a 2026 proxy filing and a series of SEC Form 4 insider transaction reports. Those filings are relevant for equity investors because they provide a window into insider behavior and corporate governance discipline, both of which matter for smaller financial institutions. Overall, Embassy Bancorp appears positioned as a niche U.S. community bank with a focused franchise, local funding base, and lending book centered on commercial real estate, residential mortgages, and home equity products. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001449794/000144979426000005/emyb-20260617xdef14a.htm?utm_source=openai))
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