Embassy Bancorp Inc   (EMYB)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
Price: $15.3800 $0.00 0.000%
Day's High: $15.38 Week Perf: -0.13 %
Day's Low: $ 15.38 30 Day Perf: 2.46 %
Volume (M): 0 52 Wk High: $ 20.00
Volume (M$): $ 2 52 Wk Avg: $16.62
Open: $15.38 52 Wk Low: $12.50

 Market Capitalization (Millions $) 117
 Shares Outstanding (Millions) 8
 Employees 76
 Revenues (TTM) (Millions $) 47
 Net Income (TTM) (Millions $) 17
 Cash Flow (TTM) (Millions $) -58
 Capital Exp. (TTM) (Millions $) 1

Embassy Bancorp Inc

Embassy Bancorp, Inc. 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. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow.

The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area.

The Company provides a traditional range of financial products and services to meet the depository and credit needs of individual consumers, small and medium sized businesses and professionals in its market area. As a locally owned and operated community bank, there is a strong focus on service that is highly personalized, efficient and responsive to local needs. It is the intention of the Company to deliver its products and services with the care and professionalism expected of a community bank and with a special dedication to personalized service. To create this environment, the Company employs a well-trained, highly motivated staff, all with previous banking experience, and interested in building quality client relationships using state-of-the-art delivery systems and client service facilities. The Company’s senior management has extensive banking experience. The Company’s goal is to serve the financial needs of its clients and provide a profitable return to its investors, consistent with safe and sound banking practices.

The Company focuses on establishing and retaining customer relationships by offering a broad range of financial services, competitively-priced and delivered in a responsive manner. Correspondent relationships are utilized where it is cost beneficial. The specific objectives of the Company are: 1) to provide individuals, professionals and local businesses with the highest standard of relationship banking in the local market; 2) to attract deposits and loans by offering state of the art products and services with competitive pricing; 3) to provide a reasonable return to shareholders on capital invested; and 4) to attract, train and retain a happy, motivated and team oriented group of banking professionals dedicated to meeting the Company’s objectives.

The Company provides the traditional array of commercial banking products and services emphasizing one-on-one delivery to consumers and businesses located in Lehigh and Northampton Counties in Pennsylvania. In the Company’s primary market area, which is dominated by offices of large statewide, regional and interstate banking institutions, banking services that are furnished in a friendly and courteous manner with a timely response to customer needs fill a “niche” that arises due to the loss of local institutions through merger and acquisitions.

The Company offers small business cash management services to help local companies better manage their cash flow, in order for the Company to attract and retain stable deposit relationships. The expertise and experience of the Company’s management coupled with the latest technology accessed through third party providers enables the Company to maximize the growth of business-related deposits.

As for consumers, deposit growth is driven by a variety of factors including, but not limited to, population growth, bank and non-bank competition, increase in household income, interest rates, accessibility of location and the sales efforts of Company personnel. Time deposits can be attracted and/or increased by paying an interest rate higher than that offered by competitors, but they are the most costly type of deposit. The most profitable type of deposits are non-interest bearing demand (checking) accounts which can be attracted by offering free checking. However, both high interest rates and free checking accounts generate certain expenses for a bank and the desire to increase deposits must be balanced with the need to be profitable. The deposit services of the Company are generally comprised of demand deposits, savings deposits, money market deposits, time deposits and Individual Retirement Accounts.

The loan portfolio of the Company consists primarily of secured fixed-rate and variable-rate loans, with a significant concentration in commercial-purpose transactions and consumer residential mortgage and home equity loans. While most credit facilities are appropriately collateralized, major emphasis is placed upon the financial condition of the borrower and evaluating the borrower’s cash flow versus debt service requirements. The Company has an experienced lending team. The Company believes that the familiarity of its experienced management team and members of the Company’s Loan Committee with prospective local borrowers enables the Company to better evaluate the character, integrity and creditworthiness of the prospective borrowers.

Loan growth is driven by customer demand, which in turn is influenced by individual and business indebtedness and consumer demand for goods. The Company’s loan officers call upon accountants, financial planners, attorneys, local realtors and others to generate loan referrals. A performing loan is a loan which is being repaid according to its original terms and is the most desirable type of loan that a bank seeks to make. Again, a balancing act is required for the Company inasmuch as loaning money will always entail some risk. Without loaning money, however, a bank cannot generate enough earnings to be profitable. The risk involved in each loan must, therefore, be carefully evaluated before the loan is made. The interest rate at which the loan is made should always reflect the risk factors involved, including the term of the loan, the value of collateral, if any, the reliability of the projected source of repayment and the amount of the loan requested. Credit quality will always be the Company’s most important factor.

The Company has not been involved in any “sub-prime” mortgage lending and has not purchased or invested in any securities backed by or which include sub-prime loans.

   Company Address: One Hundred Gateway Drive Bethlehem 18017 PA
   Company Phone Number: 882-8800   Stock Exchange / Ticker: EMYB
   EMYB is expected to report next financial results on November 09, 2023.

Customers Net Income grew by EMYB's Customers Net Profit Margin grew to

67.05 %

8.57 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


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Pioneer Bancorp Inc

Pioneer Bancorp Inc Shines Amidst Stock Drop with Remarkable 90.35% Income Per Share Growth and 20.337% Revenue Increase

Pioneer Bancorp Inc, a regional bank, has recently experienced a drop in its stock price. Over the past 5 trading days, its stock has decreased by -1.65%, bringing the year-to-date performance to -22.89%. Despite this decrease, the stock still trades 12.6% above its 52-week low.
However, when analyzing the company's financial results, it becomes evident that Pioneer Bancorp Inc has shown a respectable advance in its most recent fiscal period. The income per share increased by a significant 90.35% compared to the previous year, reaching $0.18 per share. Additionally, revenue experienced a growth of 20.337% to reach $19.08 million. This top-line growth outperformed many other companies in the regional banks sector, where the majority only saw a 14.78% increase in revenue in the fourth quarter of 2023 compared to the same quarter the previous year.
On the downside, there was a sequential decline in income per share by -25.65% from $0.24 per share, and revenue decreased by -8.105% from $20.77 million. Despite this decline, Pioneer Bancorp Inc still reported a bottom-line increase in net earnings, which rose by 90.73% to $4.507 million in the fourth quarter of 2023 compared to the same period the previous year.

Southern Missouri Bancorp Inc

Southern Missouri Bancorp Inc Delivers Impressive Performance During Q2 2023 Financial Period

Southern Missouri Bancorp Inc, a regional banking company, recently announced its financial results for the period ending June 30, 2023. Despite a decrease in income per share, the company experienced a significant increase in revenue. Additionally, the company reported an increase in net earnings compared to the same period last year.
During the fourth quarter of 2022, Southern Missouri Bancorp Inc earned $1.39 in earnings per share (EPS). However, this figure fell to $1.18 per share in the corresponding period this year. Despite the decrease in earnings, the company's revenue rose by an impressive 30.45% during this time. This positive growth in revenue outperformed other companies in the regional banks industry, which only experienced a 14.76% increase in business.

Greene County Bancorp Inc

Greene County Bancorp Inc Struggles in Q4 - Earnings Plummet and Revenue Dips, Amidst Regional Banks' Overall Success

Greene County Bancorp Inc, a regional bank, recently reported its financial results for the fourth quarter of 2023 earnings season. The earnings season revealed a significant deterioration in earnings per share (EPS) and a slight decrease in revenue, in contrast to the industry as a whole. This article explores the key findings and delves into the company's profitability, operating margin, and future outlook.
Earnings Analysis
Greene County Bancorp Inc experienced an 81.02% decline in EPS to $0.15 and a 0.48% decrease in revenue to $17.20 million in the fourth quarter of 2023 earnings season, compared to the same period in the previous year. These declines in revenue were noteworthy when compared to the overall positive performance of the Regional Banks industry during the same period.

William Penn Bancorporation

William Penn Bancorporation's Profits Plummet by 39.84% in Q4 2023, Revealing Troubling Financial Trend

In the fourth quarter of 2023 earnings season, William Penn Bancorporation, a regional bank, reported disappointing financial results. The company disclosed a soft top and bottom-line, with earnings per share dropping by 39.84% and revenue declining by 11.358% year on year.
The company's revenue in the fourth quarter of 2023 was $5.85 million, down from $6.60 million in the same period a year before. Additionally, earnings per share decreased to $0.05 from $0.08 in the previous year. These figures indicate a decline in the company's financial performance.

C And F Financial Corporation

C And F Financial Corporation Sees Revenue Surge, but Earnings Take a Hit in Q2 2023

CFFI, or C And F Financial Corporation, recently released its financial results for the April to June 30, 2023, period. While the company experienced a growth in revenue, its earnings per share (EPS) decreased compared to the previous year.
In terms of revenue, CFFI saw a 9.523% increase, reaching $30.41 million, compared to $27.76 million in the previous year. However, the company's income decreased by 3.66% to $1.84 per share, compared to $1.91 in the prior year reporting period.
Although CFFI's business growth was below that of its Regional Banks industry peers, it still experienced an average 14.81% relative advance compared to the same period the year before. When comparing the current reporting period to the previous one, EPS decreased by 1.08% from $1.86 per share, while revenue grew by 0.188% from $30.35 million.


Embassy Bancorp Inc's Segments
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