David Lobach - Embassy Bancorp Chairman
| EMYB Stock | USD 13.47 0.01 0.07% |
Chairman
Mr. David M. Lobach, Jr., is the Chairman of the Board, President, Chief Executive Officer of Embassy Bancorp Inc and Embassy Bank for the Lehigh Valley, a subsidiary of the Company. He is the President, Chief Executive Officer, and Chairman of the Company and the Bank and has served as President and Chief Executive Officer since 2008 and 2001, respectively, and Chairman since 2009. He began his banking career in 1971. He was Executive Vice President and Chief Operating Officer of Ambassador Bank. During his 19year tenure with First Valley Bank prior thereto, Mr. Lobach oversaw such areas as private banking, commercial services, corporate business development, consumer lending functions, and holding company activities since 2009.
| Age | 73 |
| Tenure | 15 years |
| Phone | 610 882-8800 |
| Web | www.embassybank.com |
Embassy Bancorp Management Efficiency
The company has return on total asset (ROA) of 0.0106 % which means that it generated a profit of $0.0106 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1733 %, meaning that it created $0.1733 on every $100 dollars invested by stockholders. Embassy Bancorp's management efficiency ratios could be used to measure how well Embassy Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
| Found 1 records | CHAIRMAN Age | ||
| Roberto Herencia | Byline Bancorp | 64 | |
Management Performance
| Return On Equity | 0.17 | |||
| Return On Asset | 0.0106 |
Embassy Bancorp Leadership Team
Elected by the shareholders, the Embassy Bancorp's board of directors comprises two types of representatives: Embassy Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Embassy. The board's role is to monitor Embassy Bancorp's management team and ensure that shareholders' interests are well served. Embassy Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Embassy Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Lynne Neel, Controller, VP | ||
| Judith Hunsicker, CFO, COO, Sr. Executive VP, Secretary, CFO of Embassy Bank, COO of Embassy Bank and Sr. Executive VP of Embassy Bank | ||
| Tracy Barker, VP Officer | ||
| David Arner, VP Security | ||
| Scott Karwacki, VP Analysis | ||
| Mark Casciano, VP Initiatives | ||
| James Bartholomew, Executive VP, Executive VP of Embassy Bank and Sr. Lending Officer of Embassy Bank | ||
| Diane Cunningham, Branch Lending | ||
| David Lobach, Chairman, CEO and President Chairman of Embassy Bank, CEO of Embassy Bank and President of Embassy Bank | ||
| Desty Bonstein, VP Banking |
Embassy Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right otc stock is not an easy task. Is Embassy Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.17 | |||
| Return On Asset | 0.0106 | |||
| Profit Margin | 0.36 % | |||
| Operating Margin | 0.48 % | |||
| Current Valuation | 65.15 M | |||
| Shares Outstanding | 7.55 M | |||
| Shares Owned By Insiders | 28.19 % | |||
| Shares Owned By Institutions | 2.90 % | |||
| Price To Earning | 8.62 X | |||
| Price To Book | 1.90 X |
Pair Trading with Embassy Bancorp
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Embassy Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Embassy Bancorp will appreciate offsetting losses from the drop in the long position's value.Moving together with Embassy OTC Stock
| 0.66 | AAPL | Apple Inc Financial Report 1st of August 2024 | PairCorr |
Moving against Embassy OTC Stock
| 0.92 | XOM | Exxon Mobil Corp Financial Report 26th of July 2024 | PairCorr |
| 0.88 | AA | Alcoa Corp Financial Report 17th of July 2024 | PairCorr |
| 0.85 | BAC | Bank of America Financial Report 16th of July 2024 | PairCorr |
| 0.84 | DD | Dupont De Nemours Financial Report 7th of August 2024 | PairCorr |
| 0.77 | CVX | Chevron Corp Financial Report 26th of July 2024 | PairCorr |
The ability to find closely correlated positions to Embassy Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Embassy Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Embassy Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Embassy Bancorp to buy it.
The correlation of Embassy Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Embassy Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Embassy Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Embassy Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Embassy Bancorp. Also, note that the market value of any otc stock could be tightly coupled with the direction of predictive economic indicators such as signals in manufacturing. You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
Complementary Tools for Embassy OTC Stock analysis
When running Embassy Bancorp's price analysis, check to measure Embassy Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Embassy Bancorp is operating at the current time. Most of Embassy Bancorp's value examination focuses on studying past and present price action to predict the probability of Embassy Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Embassy Bancorp's price. Additionally, you may evaluate how the addition of Embassy Bancorp to your portfolios can decrease your overall portfolio volatility.
| Correlation Analysis Reduce portfolio risk simply by holding instruments which are not perfectly correlated | |
| Bollinger Bands Use Bollinger Bands indicator to analyze target price for a given investing horizon | |
| Financial Widgets Easily integrated Macroaxis content with over 30 different plug-and-play financial widgets | |
| Odds Of Bankruptcy Get analysis of equity chance of financial distress in the next 2 years | |
| Idea Breakdown Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes | |
| Commodity Channel Use Commodity Channel Index to analyze current equity momentum | |
| Cryptocurrency Center Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency | |
| AI Portfolio Architect Use AI to generate optimal portfolios and find profitable investment opportunities | |
| Portfolio Diagnostics Use generated alerts and portfolio events aggregator to diagnose current holdings | |
| Aroon Oscillator Analyze current equity momentum using Aroon Oscillator and other momentum ratios | |
| Performance Analysis Check effects of mean-variance optimization against your current asset allocation |