EMYB Stock — Embassy Bancorp Inc

Embassy Bancorp Inc (EMYB)

Updated October 16, 2026.

EMYB is a Stock. its distribution rate is 2.59%, its trailing-12-month yield is 2.59%. Dividend Vision Distribution Safety Score™ is 81/100 (Safe). Total return is 351.2% over the past 16.2 years, 449.3 points behind SPY at 800.5%.

Embassy Bancorp is a Pennsylvania-based bank holding company that provides retail and commercial banking services, including deposit accounts, consumer and commercial lending, mortgages, and related financial services to individuals, businesses, and government customers in the Lehigh Valley region. The company pays an annual distribution at a modest current rate. This security appeals to income investors seeking exposure to regional banking with regular dividend payments.

EMYB performance versus SPY

Price and return data through 2026-10-16.

Total return is 351.2% over the past 16.2 years, 449.3 points behind SPY at 800.5%. Over the past year its total return — price change plus distributions reinvested — is 26.8%. Its deepest 1-year drawdown was 5.9%.

EMYB key facts

Distribution Safety Score™

81 · Safe

Safety-Adjusted Yield

2.10%

Asset type

Stock

Asset class

Equity

Inception date

08/05/2010

Distribution rate

2.59%

Distribution frequency

Annual

Trailing yield

2.59%

5-year average yield

2.25

Last close

$21.25 (as of 2026-10-16)

Market cap

$157,369,085

Average volume

500.0

Dividend

$0.55

Ex-dividend date

06/26/2026

Payment date

07/14/2026

Beta

0.147

Payout ratio

110.0%

P/E ratio

10.57

EPS

$2.01

How Dividend Vision calculates yield and returns

Distribution rate (2.59%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (2.59%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

EMYB risks and drawbacks

EMYB's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are annual, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 5.9%.

Who may consider EMYB — and who may not

EMYB may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (EMYB pays annual); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

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Tagged: Financials, Dividend.

Frequently asked questions