Embassy Bancorp Inc. Stock Analysis EMYB

Embassy Bancorp, Inc. is a bank holding company, which engages in the provision of independent community financial services and traditional banking and related financial services to individual, business, and government customers. The company is headquartered in Bethlehem, Pennsylvania and currently employs 114 full-time employees. The company went IPO on 2010-06-25. The firm's operating subsidiary is Embassy Bank for The Lehigh Valley (the Bank). The firm 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. The firm offers a range of commercial and retail financial services, including the taking of time, savings, and demand deposits; the making of commercial, consumer, residential mortgage, and home equity loans; and the providing of other financial services. The firm offers its retail customer base a product line of consumer loan services, including mortgage loans, first-time home buyer mortgages, secured home equity loans, lines of credit, auto loans, and, to a much lesser extent, unsecured personal loans. The company offers a range of specialty home equity and mortgage products. Its other services include mobile banking and safe deposit boxes.