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Embassy Bancorp, Inc. (EMYB)

USD21.90 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 100 Gateway Drive 18017-9423
Bethlehem, PA, US
CEO David Lobach Jr.
IPO 2012-01-31
CIK 1449794 ISIN US2907911026

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Description

Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD21.90 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.2K
Beta
0.15
Float Shares
4.56M
Free Float %
60.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.29% -0.39% +1.91% +2.37% +17.41% +11.54% +36.24% +50.37% +6.84% +92.97% +238.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
21.90
DCF (Unlevered) 158.46 +623.6%
DCF (Levered) 20.73 -5.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
1.30
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +10.0% Q1'26: +5.8% (vs Q1'25)
  • EPS growth
    +30.7% Q1'26: +31.6% (vs Q1'25)
  • FCF margin
    Q1'26: +26.1% (vs Q1'25)
  • EBIT margin
    Q1'26: +0.0% (vs Q1'25)
  • ROIC
    Q1'26: +0.0% (vs Q1'25)
  • Share dilution
    +0.4% Q1'26: -100.0% (vs Q1'25)
  • Debt / EBITDA
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.14) × ERP
WACC = 92% × Ke + 8% × Kd (201.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 158.46 Current price: 21.90
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B+ 3/5 3/5 3/5 3/5 3/5 3/5 3/5
2026-05-07 B+ 3/5 3/5 3/5 3/5 3/5 3/5 3/5
2026-05-06 B+ 3/5 3/5 3/5 3/5 3/5 3/5 3/5
2026-05-05 B+ 3/5 3/5 3/5 3/5 3/5 3/5 3/5
2026-05-01 A- 4/5 4/5 4/5 3/5 3/5 3/5 3/5
2026-04-27 A- 4/5 4/5 4/5 3/5 3/5 3/5 3/5
2026-04-21 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-04-17 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
13.09M
OE per share TTM
1.72
Owner's Yield
8.46%
Maintenance CapEx ratio
0.80%
Maint CapEx / Avg PPE
5.9%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
2
Total invested
8.13M
Insider transactions (90d)
0
Beneficial owners (>5%)
1
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Not applicable 449.6K 5.99% 332.1K 10.0K 332.1K 10.00 IN United States 2016-12-30

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
2
-1 vs prev Q
New positions
0
Closed positions
1
Increased
0
Reduced
1
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 PHILADELPHIA TRUST CO 295.9K -1.1K (-0.4%) 5.39M +232.0K (+4.5%) 3.87% -0.014 pp 0.37% +0.009 pp USD16.63 +9.4% 36 qtrs
2 SIENA CAPITAL PARTNERS GP, LLC 152.6K +— (+0.0%) 2.75M +120.6K (+4.6%) 2.00% +0.000 pp 0.74% -0.014 pp USD15.05 +20.9% 28 qtrs
3 FULTON BANK, N.A. -21.6K (-100.0%) -374.6K (-100.0%) 0.00% -0.283 pp 0.00% -0.013 pp USD 7 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
1.67
Bullish
Ratio by volume
0.05
Bearish
Buys
5
Sells
3
Shares acquired
450.00
Shares disposed
9.6K
Cash buys
5.00
Cash sales
1.00
Net activity
-9,117
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2023-12-26 Lobach David M Jr Director / Officer F-InKind D Common Stock 3,819 14.66 56.0K 350,270
2023-12-26 Hunsicker Judith A Officer F-InKind D Common Stock 754 14.66 11.1K 61,636
2023-11-24 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 14.00 1.4K 354,089
2023-11-24 Lesavoy Bernard M Director P-Purchase A Common Stock 100 14.00 1.4K 112,695
2023-11-24 ENGLESSON JOHN G Director S-Sale D Common Stock 4,994 14.00 69.9K 26,773
2023-11-17 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 14.00 1.4K 120,780
2023-11-17 Lesavoy Bernard M Director P-Purchase A Common Stock 100 13.98 1.4K 112,595
2023-09-07 Lesavoy Bernard M Director P-Purchase A Common Stock 100 15.14 1.5K 112,495
2023-09-05 Lobach David M Jr Director / Officer P-Purchase A Common Stock 30 15.50 465.00 353,989
2023-08-31 Lesavoy Bernard M Director P-Purchase A Common Stock 100 15.32 1.5K 112,395
2023-08-28 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 15.55 1.6K 353,959
2023-08-28 Lesavoy Bernard M Director P-Purchase A Common Stock 100 15.41 1.5K 112,295
2023-08-25 Lobach David M Jr Director / Officer P-Purchase A Common Stock 135 15.55 2.1K 353,859
2023-08-24 Lobach David M Jr Director / Officer P-Purchase A Common Stock 1,000 15.38 15.4K 120,680
2023-08-22 Lesavoy Bernard M Director P-Purchase A Common Stock 100 15.40 1.5K 112,195
2023-06-07 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 14.05 1.4K 349,590
2023-06-05 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 13.99 1.4K 349,490
2023-06-02 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 14.14 1.4K 349,390
2023-06-01 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 14.15 1.4K 349,290
2023-05-25 Lobach David M Jr Director / Officer P-Purchase A Common Stock 422 13.76 5.8K 349,190
2023-05-25 Lesavoy Bernard M Director P-Purchase A Common Stock 1,500 13.70 20.6K 109,652
2023-05-23 Lobach David M Jr Officer P-Purchase A Common Stock 145 14.56 2.1K 51,405
2023-03-24 Lobach David M Jr Officer P-Purchase A Common Stock 200 17.98 3.6K 342,652
2023-03-24 Lesavoy Bernard M Director P-Purchase A Common Stock 500 17.97 9.0K 108,152
2023-03-22 Neel Lynne Marie Officer P-Purchase A Common Stock 425 17.30 7.4K 7,931
2023-03-22 Lobach David M Jr Officer P-Purchase A Common Stock 3,020 17.34 52.4K 342,452
2023-03-22 Lesavoy Bernard M Director P-Purchase A Common Stock 900 17.51 15.8K 107,652
2023-03-22 Cunningham Diane Maria Officer P-Purchase A Common Stock 940 17.11 16.1K 2,940
2023-03-01 Yurconic John T Director A-Award A Common Stock 2,838 0.00 41,316
2023-03-01 Smith Patti Gates Director A-Award A Common Stock 1,419 0.00 246,037
2023-03-01 Pittman John C Director A-Award A Common Stock 1,419 0.00 369,871
2023-03-01 Lesavoy Bernard M Director A-Award A Common Stock 2,838 0.00 106,752
2023-03-01 ENGLESSON JOHN G Director A-Award A Common Stock 2,838 0.00 31,056
2023-03-01 Boyer Geoffrey F Director A-Award A Common Stock 1,419 0.00 78,999
2023-03-01 BANKO FRANK III Director A-Award A Common Stock 1,106 0.00 517,876
2023-01-01 Macy Michael B Officer D Common Stock 0 0.00 2,538
2022-12-31 Yurconic John T Director D Common Stock 0 0.00 38,478
2022-12-31 Smith Patti Gates Director I Common Stock 0 0.00 244,618
2022-12-30 Bartholomew James R Officer F-InKind D Common Stock 293 18.67 5.5K 11,653
2022-12-27 Lobach David M Jr Officer F-InKind D Common Stock 3,806 18.79 71.5K 339,432
2022-12-27 Bartholomew James R Officer F-InKind D Common Stock 254 18.79 4.8K 11,946
2022-12-15 Neel Lynne Marie Officer A-Award A Common Stock 659 0.00 7,457
2022-12-15 Lobach David M Jr Officer A-Award A Common Stock 6,007 0.00 343,238
2022-12-15 Hunsicker Judith A Officer A-Award A Common Stock 2,133 0.00 60,649
2022-12-15 Cunningham Diane Maria Officer A-Award A Common Stock 659 0.00 11,017
2022-12-15 Bartholomew James R Officer A-Award A Common Stock 1,062 0.00 12,200
2022-12-05 Lobach David M Jr Officer P-Purchase A Common Stock 100 19.10 1.9K 649
2022-12-05 Lesavoy Bernard M Director P-Purchase A Common Stock 85 19.05 1.6K 103,914
2022-11-22 Lobach David M Jr Officer M-Exempt D Option, Right to Buy 17,781 7.51 133.5K 0
2022-11-22 Hunsicker Judith A Officer F-InKind D Common Stock 5,183 19.21 99.6K 58,516
2022-11-22 Bartholomew James R Officer F-InKind D Common Stock 2,864 19.21 55.0K 11,138
2022-11-21 ENGLESSON JOHN G Director S-Sale D Common Stock 7,000 19.35 135.5K 28,218
2022-11-21 BANKO FRANK III Director P-Purchase A Common Stock 6,910 19.35 133.7K 516,770
2022-02-23 Yurconic John T Director A-Award A Common Stock 2,156 0.00 37,826
2022-02-23 Smith Patti Gates Director A-Award A Common Stock 1,078 0.00 244,594
2022-02-23 Pittman John C Director A-Award A Common Stock 1,078 0.00 368,452
2022-02-23 Lesavoy Bernard M Director A-Award A Common Stock 2,156 0.00 102,068
2022-02-23 ENGLESSON JOHN G Director A-Award A Common Stock 2,156 0.00 34,621
2022-02-23 Boyer Geoffrey F Director A-Award A Common Stock 1,078 0.00 77,580
2022-02-23 BANKO FRANK III Director A-Award A Common Stock 999 0.00 509,860
2021-12-31 Yurconic John T Director D Common Stock 0 0.00 35,670
2021-12-31 Smith Patti Gates Director I Common Stock 0 0.00 243,516
2021-12-31 Pittman John C Director I Common Stock 0 0.00 5,555
2021-12-31 Boyer Geoffrey F Director I Common Stock 0 0.00 5,276
2021-12-31 BANKO FRANK III Director D Common Stock 0 0.00 508,861
2021-12-28 Lobach David M Jr Director / Officer F-InKind D Common Stock 3,278 20.00 65.6K 320,091
2021-12-28 Bartholomew James R Officer F-InKind D Common Stock 216 20.00 4.3K 9,868
2021-12-17 Neel Lynne Marie Officer A-Award A Common Stock 511 0.00 6,569
2021-12-17 Lobach David M Jr Director / Officer A-Award A Common Stock 6,378 0.00 323,369
2021-12-17 Hunsicker Judith A Officer F-InKind D Common Stock 4,600 20.05 92.2K 48,732
2021-12-17 Cunningham Diane Maria Officer A-Award A Common Stock 511 0.00 10,099
2021-12-17 Bartholomew James R Officer A-Award A Common Stock 963 0.00 10,084
2021-12-03 Lobach David M Jr Director / Officer M-Exempt A Common Stock 17,828 7.00 124.8K 316,991
2021-05-28 Lesavoy Bernard M Director P-Purchase A Common Stock 500 19.60 9.8K 98,491
2021-05-28 ENGLESSON JOHN G Director S-Sale D Common Stock 10,000 19.60 196.0K 32,003
2021-02-22 Yurconic John T Director A-Award A Common Stock 2,418 0.00 35,162
2021-02-22 Smith Patti Gates Director A-Award A Common Stock 1,209 0.00 243,496
2021-02-22 Pittman John C Director A-Award A Common Stock 1,209 0.00 367,374
2021-02-22 Lesavoy Bernard M Director A-Award A Common Stock 2,418 0.00 97,991
2021-02-22 ENGLESSON JOHN G Director A-Award A Common Stock 2,418 0.00 42,003
2021-02-22 Boyer Geoffrey F Director A-Award A Common Stock 1,209 0.00 76,502
2021-02-22 BANKO FRANK III Director A-Award A Common Stock 1,128 0.00 508,861
2020-12-31 Yurconic John T Director D Common Stock 0 0.00 32,744
2020-12-31 Smith Patti Gates Director D Common Stock 0 0.00 242,287
2020-12-31 Pittman John C Director I Common Stock 0 0.00 5,555
2020-12-31 Lesavoy Bernard M Director I Common Stock 0 0.00 2,688
2020-12-31 Boyer Geoffrey F Director I Common Stock 0 0.00 13,888
2020-12-31 BANKO FRANK III Director I Common Stock 0 0.00 2,543
2020-12-18 Neel Lynne Marie Officer A-Award A Common Stock 608 0.00 5,812
2020-12-18 Lobach David M Jr Director / Officer A-Award A Common Stock 9,867 0.00 299,160
2020-12-18 Hunsicker Judith A Officer A-Award A Common Stock 2,599 0.00 40,509
2020-12-18 Cunningham Diane Maria Officer A-Award A Common Stock 608 0.00 9,328
2020-12-18 Bartholomew James R Officer A-Award A Common Stock 1,294 0.00 9,080
2020-12-15 Hunsicker Judith A Officer M-Exempt A Common Stock 21,131 7.00 147.9K 49,054
2020-12-10 Neel Lynne Marie Officer P-Purchase A Common Stock 100 14.00 1.4K 5,204
2020-12-10 Lobach David M Jr Director / Officer P-Purchase A Common Stock 50 14.00 700.00 491
2020-12-10 ENGLESSON JOHN G Director S-Sale D Common Stock 4,642 14.00 65.0K 39,585
2020-12-10 Cunningham Diane Maria Officer P-Purchase A Common Stock 400 14.00 5.6K 8,720
2020-11-25 Lobach David M Jr Director / Officer M-Exempt A Common Stock 31,480 7.00 220.4K 289,293
2020-09-17 Neel Lynne Marie Officer P-Purchase A Common Stock 240 12.42 3.0K 4,979
2020-09-01 Lobach David M Jr Director / Officer P-Purchase A Common Stock 45 12.50 562.50 257,810
2020-08-18 Lobach David M Jr Director / Officer P-Purchase A Common Stock 25 12.00 300.00 435
2020-08-14 Lobach David M Jr Director / Officer P-Purchase A Common Stock 150 12.00 1.8K 257,765
2020-05-08 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 11.99 1.2K 257,615
2020-03-25 Lobach David M Jr Director / Officer P-Purchase A Common Stock 45 10.40 468.00 410
2020-03-24 Lobach David M Jr Director / Officer P-Purchase A Common stock 225 10.43 2.3K 257,515
2020-03-23 Yurconic John T Director A-Award A Common Stock 2,134 0.00 32,182
2020-03-23 Smith Patti Gates Director A-Award A Common Stock 1,311 0.00 242,283
2020-03-23 Pittman John C Director A-Award A Common Stock 1,334 0.00 365,950
2020-03-23 Neel Lynne Marie Officer A-Award A Common Stock 530 0.00 4,594
2020-03-23 Lobach David M Jr Director / Officer A-Award A Common Stock 13,856 0.00 257,290
2020-03-23 Lesavoy Bernard M Director A-Award A Common Stock 2,668 0.00 93,932
2020-03-23 Hunsicker Judith A Officer A-Award A Common Stock 3,029 0.00 27,092
2020-03-23 ENGLESSON JOHN G Director A-Award A Common Stock 2,668 0.00 43,467
2020-03-23 Cunningham Diane Maria Officer A-Award A Common Stock 530 0.00 8,035
2020-03-23 Boyer Geoffrey F Director A-Award A Common Stock 1,334 0.00 74,682
2020-03-23 Bartholomew James R Officer A-Award A Common Stock 1,508 0.00 7,736
2020-03-23 BANKO FRANK III Director A-Award A Common Stock 1,308 0.00 499,008
2020-03-17 Lobach David M Jr Director / Officer P-Purchase A Common Stock 260 12.25 3.2K 243,434
2020-03-16 Lesavoy Bernard M Director P-Purchase A Common Stock 15 12.00 180.00 91,264
2019-12-31 Yurconic John T Director D Common Stock 0 0.00 30,048
2019-12-31 Smith Patti Gates Director I Common Stock 0 0.00 240,972
2019-12-31 Neel Lynne Marie Officer D Common Stock 0 0.00 4,064
2019-12-31 Lesavoy Bernard M Director I Common Stock 0 0.00 44,135
2019-12-31 Hunsicker Judith A Officer I Common Stock 0 0.00 20,391
2019-12-31 ENGLESSON JOHN G Director D Common Stock 0 0.00 40,799
2019-12-31 Cunningham Diane Maria Officer I Common Stock 0 0.00 2,000
2019-12-31 Bartholomew James R Officer I Common Stock 0 0.00 64
2019-12-31 BANKO FRANK III Director I Common Stock 0 0.00 2,585
2019-12-19 Lobach David M Jr Director / Officer S-Sale D Common Stock 1 18.00 13.91 49,905
2019-12-17 Lobach David M Jr Director / Officer S-Sale D Common Stock 0 18.00 5.48 243,174
2019-12-04 Boyer Geoffrey F Director S-Sale D Common Stock 100 17.35 1.7K 13,888
2019-06-25 Neel Lynne Marie Officer P-Purchase A Common Stock 158 16.05 2.5K 3,884
2019-06-25 Lobach David M Jr Director / Officer P-Purchase A Common Stock 400 16.50 6.6K 49,304
2019-02-15 Yurconic John T Director A-Award A Common Stock 1,809 0.00 29,686
2019-02-15 Smith Patti Gates Director A-Award A Common Stock 904 0.00 240,970
2019-02-15 Pittman John C Director A-Award A Common Stock 1,809 0.00 364,616
2019-02-15 Lesavoy Bernard M Director A-Award A Common Stock 1,773 0.00 90,148
2019-02-15 ENGLESSON JOHN G Director A-Award A Common Stock 1,809 0.00 40,307
2019-02-15 Boyer Geoffrey F Director A-Award A Common Stock 1,809 0.00 73,348
2019-02-15 BANKO FRANK III Director A-Award A Common Stock 886 0.00 497,700
2019-01-23 Lobach David M Jr Director / Officer 0 0.00 0
2018-12-21 Neel Lynne Marie A-Award A Common Stock 383 0.00 3,611
2018-12-21 Lobach David M Jr Director / Officer A-Award A Common Stock 12,041 0.00 235,697
2018-12-21 Hunsicker Judith A Officer A-Award A Common Stock 2,209 0.00 23,352
2018-12-21 Cunningham Diane Maria Officer A-Award A Common Stock 383 0.00 7,221
2018-12-21 Bartholomew James R Officer A-Award A Common Stock 1,110 0.00 6,204
2018-11-08 Lobach David M Jr Director / Officer P-Purchase A Common Stock 500 15.85 7.9K 131,304
2018-10-12 Lobach David M Jr Director / Officer P-Purchase A Common Stock 150 17.60 2.6K 223,656
2018-10-12 ENGLESSON JOHN G Director S-Sale D Common Stock 10,000 17.60 176.0K 38,498
2018-06-21 Boyer Geoffrey F Director S-Sale D Common Stock 100 17.14 1.7K 56,167
2018-03-23 ENGLESSON JOHN G Director P-Purchase A Common Stock 2,800 16.20 45.4K 8,132
2018-03-22 ENGLESSON JOHN G Director P-Purchase A Common Stock 900 16.10 14.5K 3,000
2018-03-21 ENGLESSON JOHN G Director P-Purchase A Common Stock 900 16.05 14.4K 2,000
2018-03-20 ENGLESSON JOHN G Director P-Purchase A Common Stock 100 16.15 1.6K 1,300
2018-02-09 Yurconic John T Director A-Award A Common Stock 1,369 0.00 27,612
2018-02-09 Smith Patti Gates Director A-Award A Common Stock 696 0.00 240,064
2018-02-09 Pittman John C Director A-Award A Common Stock 696 0.00 362,807
2018-02-09 Lesavoy Bernard M Director 0 0.00 0
2018-02-09 ENGLESSON JOHN G Director A-Award A Common Stock 1,393 0.00 48,037
2018-02-09 Boyer Geoffrey F Director A-Award A Common Stock 684 0.00 71,539
2018-02-09 BANKO FRANK III Director A-Award A Common Stock 525 0.00 496,814
2018-01-01 Neel Lynne Marie Officer D Common Stock 0 0.00 3,052
2018-01-01 Cunningham Diane Maria Officer D Common Stock 0 0.00 6,659
2017-12-31 Boyer Geoffrey F Director I Common Stock 0 0.00 14,538
2017-12-21 Lobach David M Jr Director / Officer P-Purchase A Common Stock 1,100 15.80 17.4K 130,804
2017-12-20 Lobach David M Jr Director / Officer A-Award A Common Stock 12,818 0.00 221,422
2017-12-20 Hunsicker Judith A Officer A-Award A Common Stock 1,877 0.00 20,614
2017-12-20 Bartholomew James R Officer A-Award A Common Stock 965 0.00 5,068
2017-11-29 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 15.00 1.5K 308
2017-11-29 ENGLESSON JOHN G Director S-Sale D Common Stock 10,000 15.00 150.0K 46,644
2017-06-21 Smith Patti Gates Director P-Purchase A Common Stock 1,500 14.60 21.9K 1,700
2017-06-06 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 14.80 1.5K 206,701
2017-06-06 Lesavoy Bernard M Director P-Purchase A Common Stock 100 14.80 1.5K 85,365
2017-06-06 ENGLESSON JOHN G Director S-Sale D Common Stock 6,757 14.80 100.0K 56,117
2017-02-17 Yurconic John T Director A-Award A Common Stock 1,295 0.00 25,998
2017-02-17 Smith Patti Gates Director A-Award A Common Stock 623 0.00 234,713
2017-02-17 Pittman John C Director J-Other D Common Stock 618 0.00 0
2017-02-17 Lobach David M Jr Director / Officer J-Other D Common Stock 618 0.00 0
2017-02-17 Lesavoy Bernard M Director A-Award A Common Stock 668 0.00 85,265
2017-02-17 Hunsicker Judith A Officer J-Other D Common Stock 40 0.00 0
2017-02-17 ENGLESSON JOHN G Director A-Award A Common Stock 680 0.00 62,874
2017-02-17 Boyer Geoffrey F Director J-Other D Common Stock 206 0.00 0
2017-02-17 BANKO FRANK III Director A-Award A Common Stock 553 0.00 496,289
2017-01-11 Smith Patti Gates Director G-Gift D Common Stock 3,890 0.00 234,090
2016-12-31 Bartholomew James R Officer I Common Stock 0 0.00 17,578
2016-12-31 BANKO FRANK III Director D Common Stock 0 0.00 495,736
2016-12-22 Lobach David M Jr Director / Officer P-Purchase A Common Stock 435 13.50 5.9K 46,304
2016-12-21 Lobach David M Jr Director / Officer A-Award A Common Stock 16,405 0.00 206,601
2016-12-21 Hunsicker Judith A Officer A-Award A Common Stock 2,170 0.00 18,275
2016-12-21 Bartholomew James R Officer A-Award A Employee Stock Option, right to buy 4,227 12.64 53.4K 4,227
2016-12-09 Lobach David M Jr Director / Officer P-Purchase A Common Stock 500 12.64 6.3K 129,379
2016-12-07 Lobach David M Jr Director / Officer P-Purchase A Common Stock 703 12.09 8.5K 190,196
2016-12-06 Lobach David M Jr Director / Officer P-Purchase A Common Stock 500 11.98 6.0K 128,879
2016-09-22 Lobach David M Jr Director / Officer P-Purchase A Common Stock 300 10.85 3.3K 187,256
2016-08-24 Smith Patti Gates Director P-Purchase A Common Stock 200 10.85 2.2K 200
2016-08-24 Lobach David M Jr Director / Officer P-Purchase A Common Stock 100 10.85 1.1K 186,956
2016-08-24 Lesavoy Bernard M Director P-Purchase A Common Stock 100 10.85 1.1K 83,579
2016-08-24 ENGLESSON JOHN G Director S-Sale D Common Stock 9,390 10.85 101.9K 61,446
2016-06-22 Lobach David M Jr Director / Officer P-Purchase A Common Stock 200 10.50 2.1K 186,856

Executive team

Top executives
EBIT / Employee
148.2K
Shares Outstanding
7.56M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2024 David M. Lobach CEO, President and Chairman 771.1K 104.1K 81.0K 48.3K 1.00M 8.06%
2 2024 Judith A. Hunsicker First Executive Officer, COO, and CFO 534.7K 72.2K 56.1K 21.9K 938.6K 5.98%
3 2024 Lynne M. Neel Sr. Executive Vice President, Deposit Loan Operations, Electronic Banking, Finance, and Investor Relations 290.0K 26.1K 11.6K 18.7K 495.7K 2.34%
4 2024 Diane M. Cunningham Sr. Executive Vice President, Branch Administration, Marketing and Retail Lending 290.0K 26.1K 11.6K 13.1K 403.9K 2.87%
5 2023 Judith A. Hunsicker First Executive Officer, COO, and CFO 534.7K 53.5K 29.3K 909.5K 0.00%
6 2023 David M. Lobach CEO, President and Chairman 771.1K 77.1K 53.4K 901.6K 0.00%
7 2023 Lynne M. Neel Sr. Executive Vice President, Deposit Loan Operations, Electronic Banking, Finance, and Investor Relations 274.4K 21.8K 16.8K 464.4K 0.00%
8 2023 Lynne M. Neel Sr. Executive Vice President, Deposit Loan Operations, Electronic Banking, Finance, and Investor Relations 274.4K 21.8K 18.7K 464.2K 0.00%
9 2023 Diane M. Cunningham Sr. Executive Vice President, Branch Administration, Marketing and Retail Lending 274.4K 21.8K 15.8K 376.1K 0.00%
10 2023 Diane M. Cunningham Sr. Executive Vice President, Branch Administration, Marketing and Retail Lending 274.4K 21.8K 13.1K 372.4K 0.00%
11 2022 David M. Lobach CEO, President and Chairman 734.4K 146.9K 114.7K 45.2K 1.09M 10.54%
12 2022 Judith A. Hunsicker First Executive Officer, COO, and CFO 509.3K 101.9K 40.7K 18.6K 988.0K 4.12%
13 2022 James R. Bartholomew , Retired Senior Executive Vice President and SLO 386.4K 77.3K 20.3K 19.5K 624.3K 3.25%
14 2021 David M. Lobach CEO, President and Chairman 699.4K 139.9K 127.9K 37.8K 1.09M 11.68%
15 2021 Judith A. Hunsicker First Executive Officer, COO, and CFO 485.0K 97.0K 38.8K 16.7K 1.02M 3.80%
16 2021 James R. Bartholomew Senior Executive Vice President and SLO 368.0K 73.6K 19.3K 17.8K 592.7K 3.26%
17 2021 James R. Bartholomew , Retired Senior Executive Vice President and SLO 368.0K 73.6K 19.3K 17.8K 592.7K 3.26%
18 2020 David M. Lobach CEO, President and Chairman 690.5K 133.2K 301.3K 36.0K 1.25M 24.17%
19 2020 Judith A. Hunsicker First Executive Officer, COO, and CFO 478.8K 92.4K 72.1K 14.2K 989.5K 7.29%
20 2020 James R. Bartholomew Senior Executive Vice President and SLO 363.4K 70.1K 35.9K 14.8K 730.8K 4.91%
21 2019 David M. Lobach CEO, President and Chairman 633.1K 126.9K 29.8K 986.5K 0.00%
22 2019 Judith A. Hunsicker First Executive Officer, COO, and CFO 439.0K 88.0K 10.0K 689.5K 0.00%
23 2019 James R. Bartholomew Senior Executive Vice President and SLO 333.2K 66.8K 4.5K 12.0K 486.3K 0.93%
24 2018 David M. Lobach CEO, President and Chairman 600.0K 114.3K 2.5K 31.1K 928.5K 0.27%
25 2018 Judith A. Hunsicker First Executive Officer, COO, and CFO 415.5K 79.2K 315.00 14.0K 653.2K 0.05%
26 2018 James R. Bartholomew Senior Executive Vice President and SLO 315.3K 60.1K 78.00 4.6K 15.7K 569.1K 0.83%
27 2017 David M. Lobach CEO, President and Chairman 1.58M 172.4K 1.58M 0.00%
28 2017 Judith A. Hunsicker COO, CFO and Senior Executive VP 1.04M 116.0K 1.04M 0.00%
29 2017 James R. Bartholomew Executive Vice President and SLO 891.4K 171.0K 891.4K 0.00%
30 2017 David M. Lobach CEO, President and Chairman 567.3K 107.8K 2.5K 678.00 25.7K 876.3K 0.36%
31 2017 Judith A. Hunsicker First Executive Officer, COO, and CFO 379.1K 72.0K 271.00 454.00 10.8K 578.6K 0.13%
32 2017 James R. Bartholomew Senior Executive Vice President and SLO 287.7K 54.7K 72.00 4.6K 13.2K 531.2K 0.88%
33 2016 David M. Lobach CEO, President and Chairman 1.51M 161.1K 1.51M 0.00%
34 2016 Judith A. Hunsicker COO, CFO and Senior Executive VP 999.8K 109.2K 999.8K 0.00%
35 2016 James R. Bartholomew Executive Vice President and SLO 818.3K 159.8K 818.3K 0.00%
36 2015 David M. Lobach CEO, President and Chairman 1.44M 141.9K 1.44M 0.00%
37 2015 Judith A. Hunsicker COO, CFO and Senior Executive VP 944.4K 91.9K 944.4K 0.00%
38 2015 James R. Bartholomew Executive Vice President and SLO 760.0K 142.9K 760.0K 0.00%
39 2014 David M. Lobach CEO, President and Chairman 1.85M 549.0K 1.85M 0.00%
40 2014 David M. Lobach CEO, President and Chairman 471.8K 90.0K 57.7K 32.0K 1.20M 4.81%
41 2014 Judith A. Hunsicker COO, CFO and Senior Executive VP 950.8K 103.2K 950.8K 0.00%
42 2014 James R. Bartholomew Executive Vice President and SLO 743.8K 156.1K 743.8K 0.00%
43 2014 Judith A. Hunsicker COO, CFO and Senior Executive VP 315.3K 60.0K 38.6K 12.5K 529.6K 7.29%
44 2014 James R. Bartholomew Executive Vice President SLO 239.3K 45.5K 9.1K 450.0K 0.00%
45 2013 David M. Lobach CEO, President and Chairman 445.1K 87.0K 37.8K 22.8K 999.7K 3.78%
46 2013 Judith A. Hunsicker COO, CFO and Senior Executive VP 297.5K 58.0K 25.3K 10.7K 466.9K 5.41%
47 2013 James R. Bartholomew Executive Vice President 225.7K 38.0K 6.0K 387.2K 0.00%
48 2013 James R. Bartholomew Executive Vice President SLO 225.7K 38.0K 6.0K 387.2K 0.00%
49 2012 David M. Lobach CEO, President and 422.9K 85.0K 23.4K 20.9K 807.8K 2.89%
50 2012 Judith A. Hunsicker COO, CFO and Senior Executive VP 278.0K 56.0K 15.7K 9.9K 424.9K 3.69%
51 2012 James R. Bartholomew Executive Vice President 210.9K 36.0K 3.9K 339.1K 0.00%
52 2011 David M. Lobach CEO, President and 379.7K 79.0K 25.8K 723.4K 0.00%
53 2011 Judith A. Hunsicker COO, CFO and Senior Executive VP 254.9K 52.0K 11.0K 373.9K 0.00%
54 2011 James R. Bartholomew Executive Vice President 197.1K 32.0K 3.7K 306.5K 0.00%
55 2010 David M. Lobach CEO, President and 354.9K 75.0K 23.5K 644.9K 0.00%
56 2010 Judith A. Hunsicker COO, CFO and Senior Executive VP 238.2K 50.0K 9.3K 329.3K 0.00%
57 2010 James R. Bartholomew EVP SLO 184.3K 30.0K 3.4K 255.2K 0.00%
58 2010 James R. Bartholomew Executive Vice President 184.3K 30.0K 3.4K 255.2K 0.00%
59 2009 David M. Lobach CEO, President and Chairman 333.9K 65.0K 22.7K 594.3K 0.00%
60 2009 Judith A. Hunsicker COO, CFO and Senior Executive VP 224.2K 45.0K 9.0K 303.9K 0.00%
61 2009 James R. Bartholomew EVP SLO 175.8K 27.0K 3.2K 235.2K 0.00%
62 2009 James R. Bartholomew Executive Vice President SLO 175.8K 27.0K 3.2K 235.2K 0.00%
63 2008 David M. Lobach CEO, President and Vice Chairman 292.6K 55.0K 22.7K 492.1K 0.00%
64 2008 David M. Lobach CEO, President and Chairman 292.6K 55.0K 22.7K 492.1K 0.00%
65 2008 Judith A. Hunsicker COO, CFO and Senior Executive VP 198.6K 35.0K 8.4K 258.6K 0.00%
66 2008 James R. Bartholomew Executive Vice President SLO 156.8K 25.0K 2.9K 201.3K 0.00%
67 2007 David M. Lobach CEO, President and Vice Chairman 280.0K 45.0K 19.1K 407.0K 0.00%
68 2007 Judith A. Hunsicker COO, CFO and Senior Executive VP 190.0K 27.0K 8.1K 233.9K 0.00%
69 2007 James R. Bartholomew Executive Vice President SLO 150.0K 16.2K 2.2K 176.0K 0.00%
70 2006 David M. Lobach CEO, President and Vice Chairman 240.0K 50.0K 17.5K 366.3K 0.00%
71 2006 Judith A. Hunsicker COO, CFO and Senior Executive VP 165.0K 30.0K 7.1K 210.3K 0.00%
72 2006 James R. Bartholomew Executive Vice President SLO 135.0K 19.0K 2.0K 161.4K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-27 DEF 14A
2025-04-28 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-01 ARS
2026-04-27 DEF 14A
2026-03-23 4
2026-03-19 4
2026-03-19 4
2026-03-16 10-K
2026-02-11 4
2026-02-11 4
2026-02-11 4
2026-02-11 4

Executive team

NameTitleCompensationGender
David Lobach Jr. Chairman, President & Chief Executive Officer 979.9K male
Judith A. Hunsicker First Executive Officer, COO, Secretary & Treasurer 671.1K female
Lynne Marie Neel Senior EVice President, Controller, Deposit Operation, Finance, IR, Loan Operations & Assistant Secretary 351.8K female
Diane Maria Cunningham Senior Executive Vice President of Branch Administration, Marketing & Retail Lending 350.7K female
Jeffrey C. Skumin Executive Vice President of Finance & Chief Financial Officer 294.1K male
Tracy A. Barker Senior Vice President & Bank Secrecy Officer female
David C. Arner Senior Vice President of Facilities & Security
Veliano Feliciano Vice President, Risk Manager & Compliance Officer
Desty A. Bonstein Senior Vice President of Private Banking
Jason S. Sickels Senior Vice President of Information Security & Technology
Mark A. Casciano Senior Vice President of Strategic Initiatives male
Steven Green Assistant Vice President of Human Resources & Team Culture
ESG Rating
B
BANKS - REGIONAL
2024
E (Environmental)
65.2 / 64.3
Company / Sector avg.
S (Social)
78.2 / 76.5
Company / Sector avg.
G (Governance)
73.5 / 75.5
Company / Sector avg.
ESG Total
72.3 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits