EMYB.OQXEmbassy Bancorp, INC

Form 4: Embassy Bancorp CFO Sells Shares for Tax Obligations

Sentiment:

Insider Transaction Report

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Embassy Bancorp's CFO, Judith A. Hunsicker, disposed of 615 shares of common stock at $18.34 per share to cover tax withholding obligations from restricted stock vesting.

Summary

  • Judith A. Hunsicker, FEO, COO, and CFO of Embassy Bancorp, Inc., reported a transaction on December 29, 2025.
  • She disposed of 615 shares of common stock at a price of $18.34 per share.
  • This disposition was made to satisfy withholding tax obligations arising from the vesting of previously issued restricted stock awards.
  • The transaction was executed under an SEC Rule 10b5-1 plan.
  • Following the transaction, Ms. Hunsicker directly owns 70,794.348 shares and indirectly owns 20,391 shares through an IRA.

Sentiment

Score: 5

Explanation: The transaction is a routine, non-discretionary sale to cover tax obligations from restricted stock vesting, indicating a neutral sentiment as it's an expected part of executive compensation.

Industry Context

This is a routine insider transaction for tax purposes, common across all industries when restricted stock awards vest. It does not reflect broader industry trends or competitive positioning.

Related Party Transactions

  • Judith A. Hunsicker, an officer and director of Embassy Bancorp, Inc., disposed of 615 shares of common stock to the issuer to satisfy tax withholding obligations, which constitutes a transaction between a related party and the company.

Stakeholder Impact

  • Shareholders: Minimal impact as this is a routine, non-discretionary sale for tax purposes and does not signal a change in management's confidence or company fundamentals.
  • Employees: No direct impact.
  • Customers: No direct impact.
  • Suppliers: No direct impact.
  • Creditors: No direct impact.

Key Dates

DateDescription
January 19, 2018Date of Power of Attorney granted by Judith A. Hunsicker.
December 29, 2025Date of the reported transaction where shares were disposed of.
December 30, 2025Date the Form 4 was signed by Laura A. Suplee on behalf of Judith A. Hunsicker.

Recommendation

hold

The transaction is a routine, non-discretionary sale by an officer to cover tax obligations from restricted stock vesting. It does not reflect a change in the company's fundamentals or management's outlook, and the number of shares is relatively small compared to total holdings. Therefore, it does not warrant a change in investment recommendation based solely on this filing.

Keywords

Embassy Bancorp, EMYB, Form 4, Insider Trading, Stock Sale, Tax Withholding, Restricted Stock, Judith A. Hunsicker, Officer Transaction, Corporate Governance

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