Embassy Bancorp, Inc. (EMYB) — SEC Filings
Embassy Bancorp, Inc. (EMYB) — 18 SEC filings. Latest: 8-K (Dec 5, 2025). Includes 7 8-K, 6 10-Q, 2 DEF 14A.
View Embassy Bancorp, Inc. on SEC EDGAR
Overview
Embassy Bancorp, Inc. (EMYB) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 13, 2025: Embassy Bancorp, Inc. (EMYB) reported a significant increase in net income for the three and nine months ended September 30, 2025. Net income for the three months rose by 39.7% to $3.793 million from $2.714 million in the prior year, while net income for the nine months increased by 30.7% to $10.117
Sentiment Summary
Across 18 filings, the sentiment breakdown is: 1 bullish, 16 neutral, 1 mixed. The dominant filing sentiment for Embassy Bancorp, Inc. is neutral.
Filing Type Overview
Embassy Bancorp, Inc. (EMYB) has filed 7 8-K, 6 10-Q, 1 8-K/A, 2 DEF 14A, 2 10-K with the SEC between Mar 2024 to Dec 2025.
Filings by Year
Recent SEC Filings (18)
Risk Profile
Risk Assessment: Of EMYB's 14 recent filings, 0 were flagged as high-risk, 3 as medium-risk, and 11 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Net Income | $10.117M |
| EPS | $0.50 |
| Total Assets | $1.778B |
Industry Context
Embassy Bancorp operates within the community banking sector, a highly competitive landscape characterized by a mix of large national banks and numerous regional and local institutions. The industry is currently navigating a period of rising interest rates, which impacts net interest margins, investment portfolio valuations, and loan demand. Community banks like Embassy Bancorp often differentiate themselves through personalized service and deep local market knowledge, but face challenges in competing on technology and scale with larger players.
Top Tags
8-K (4) · 10-Q (4) · financials (4) · Embassy Bancorp (3) · Regional Banking (2) · Earnings Growth (2) · Unrealized Losses (2) · Loan Growth (2) · financial-reporting (2) · corporate-governance (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (3 months) | $3.793M | Up 39.7% from $2.714M in 2024 |
| Net Income (9 months) | $10.117M | Up 30.7% from $7.742M in 2024 |
| Total Assets | $1.778B | Increased from $1.704B at Dec 31, 2024 |
| Loans Receivable, Net | $1.268B | Increased from $1.256B at Dec 31, 2024 |
| Total Deposits | $1.620B | Increased from $1.552B at Dec 31, 2024 |
| Gross Unrealized Losses on Securities | $53.338M | As of September 30, 2025, primarily due to interest rates |
| Basic EPS (3 months) | $0.50 | Up from $0.36 in 2024 |
| Dividends Per Share (9 months) | $0.48 | Up from $0.42 in 2024 |
| Common Shares Outstanding | 7,646,114 | As of November 7, 2025 |
| Stock Repurchase Program | $5.0M | Authorized effective October 31, 2025 |
| Net Income (Q2 2025) | $3.437M | Increased 37.9% from $2.492M in Q2 2024 |
| Net Income (YTD June 2025) | $6.324M | Increased 25.8% from $5.028M in YTD June 2024 |
| Total Interest Income (Q2 2025) | $17.726M | Increased 9.9% from $16.119M in Q2 2024 |
| Net Interest Income after Credit for Credit Losses (Q2 2025) | $10.597M | Increased 15.5% from $9.171M in Q2 2024 |
| Total Assets (June 30, 2025) | $1.759B | Increased from $1.704B at Dec 31, 2024 |
Frequently Asked Questions
What are the latest SEC filings for Embassy Bancorp, Inc. (EMYB)?
Embassy Bancorp, Inc. has 18 recent SEC filings from Mar 2024 to Dec 2025, including 7 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of EMYB filings?
Across 18 filings, the sentiment breakdown is: 1 bullish, 16 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Embassy Bancorp, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Embassy Bancorp, Inc. (EMYB) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Embassy Bancorp, Inc.?
Key financial highlights from Embassy Bancorp, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for EMYB?
The investment thesis for EMYB includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Embassy Bancorp, Inc.?
Executive information for Embassy Bancorp, Inc. is extracted from SEC filings as they are enriched with AI analysis.
What are the main risk factors for Embassy Bancorp, Inc. stock?
Of EMYB's 14 assessed filings, 0 were flagged high-risk, 3 medium-risk, and 11 low-risk.
What are recent predictions and forward guidance from Embassy Bancorp, Inc.?
Forward guidance and predictions for Embassy Bancorp, Inc. are extracted from SEC filings as they are enriched.