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EMYB Dividend DRIP Calculator 2026
2.47% YieldFinancial ServicesEmbassy Bancorp, Inc. · OTC
Price: $22.25 · Annual div: $0.55/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When EMYB pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in EMYB → $2.71M in 10 years · $49,121.05/month
About Embassy Bancorp, Inc. (EMYB) — Dividend Analysis 2026
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.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 EMYB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold EMYB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.47% | -0.33% | $247 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.10% | -0.70% | $210 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.98% | -0.82% | $198 / yr |
| 🇬🇧 UK ISA | 0% | 2.47% | -0.33% | $247 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.25% | -0.55% | $225 / yr |
| 🇨🇦 TFSA | 0% | 2.47% | -0.33% | $247 / yr |
| 🇨🇦 CA Taxable | 25% | 1.85% | -0.95% | $185 / yr |
| 🇦🇺 Super (pension) | 15% | 2.10% | -0.70% | $210 / yr |
| 🇦🇺 AU Taxable | 30% | 1.73% | -1.07% | $173 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.82% | -0.98% | $182 / yr |
| 🇫🇷 FR Taxable | 30% | 1.73% | -1.07% | $173 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 EMYB Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.55/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 EMYB Dividend Payment Schedule
EMYB pays quarterly — 4 times per year. Next ex-div: TBD.
📊 EMYB vs Financial Services Benchmarks
How EMYB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for EMYB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ EMYB Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-08-28 | 100 | $22.30 | $2.2K | ||
| Buy | 2026-08-26 | 600 | $22.30 | $13.4K | ||
| Buy | 2026-08-26 | 746 | $22.30 | $16.6K | ||
| Buy | 2026-08-26 | 100 | $22.20 | $2.2K | ||
| Buy | 2026-08-18 | 500 | $22.15 | $11.1K | ||
| Buy | 2026-08-18 | 500 | $22.39 | $11.2K | ||
| Buy | 2026-08-18 | 500 | $22.39 | $11.2K | ||
| Buy | 2026-08-18 | 500 | $22.39 | $11.2K | ||
| Buy | 2026-06-15 | 1,000 | $21.45 | $21.4K | ||
| Buy | 2026-06-15 | 350 | $21.45 | $7.5K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-08-28
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the EMYB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Embassy Bancorp, Inc. (EMYB) is currently trading at $22.25, trading near its 52-week high. The current dividend yield is 2.47% based on an annual payout of $0.55 per share.
EMYB (Embassy Bancorp, Inc.) — 2.47% Dividend Yield Analysis
Embassy Bancorp, Inc. (EMYB) is a financial services stock currently trading at $22.25 with a dividend yield of 2.47%. The company pays an annual dividend of $0.55 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, EMYB has grown its dividend at a compound annual rate of 100.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.