Stephen Crane - EMC Insurance Independent Chairman of the Board

Chairman

Mr. Stephen A. Crane is an Independent Director of EMC Insurance Group Inc., since 2009. He is the Chairman of the Board of the Company and an independent corporate governance consultant who has over 30 years of experience in the property and casualty insurance business. Mr. Crane was Chief Executive Officer of AlphaStar Insurance Group Limited from 1999 to 2004. Prior to that, he served as Chief Executive Officer of Gryphon Holdings Inc. and G.L. Hodson Son. Prior to those positions, Mr. Crane was Chief Financial Officer of Corroon Black Corporation and Orion Capital Corporationrationration. Mr. Crane is a member of the Board of Directors of First Security Benefit Life Insurance and Annuity Company of New York. Mr. Crane was a member of the Board of Directors of Hummingbird Ltd. from 2004 to 2006. The Corporationrationrate Governance and Nominating Committee has made Mr. Crane a director nominee due to his senior executive management experience, his extensive insurance industry experience and his specialized knowledge and experience in corporate finance, corporate governance and strategic planning. since 2013.
Age 70
Tenure 11 years
Phone515 345-2902
Webwww.emcins.com

EMC Insurance Management Efficiency

EMC Insurance's management efficiency ratios could be used to measure how well EMC Insurance manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 25 M in liabilities with Debt to Equity (D/E) ratio of 3.9, implying the company greatly relies on financing operations through barrowing. EMC Insurance Group has a current ratio of 0.4, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Debt can assist EMC Insurance until it has trouble settling it off, either with new capital or with free cash flow. So, EMC Insurance's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like EMC Insurance Group sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for EMC to invest in growth at high rates of return. When we think about EMC Insurance's use of debt, we should always consider it together with cash and equity.

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EMC Insurance Group Inc., an insurance holding company, provides property and casualty insurance, and reinsurance products in the United States. EMC Insurance Group Inc. is a subsidiary of Employers Mutual Casualty Company. EMC Insurance operates under Insurance - Property Casualty classification in USA and is traded on BATS Exchange. EMC Insurance Group (EMCI) is traded on NASDAQ Exchange in USA and employs 17 people.

Management Performance

EMC Insurance Group Leadership Team

Elected by the shareholders, the EMC Insurance's board of directors comprises two types of representatives: EMC Insurance inside directors who are chosen from within the company, and outside directors, selected externally and held independent of EMC. The board's role is to monitor EMC Insurance's management team and ensure that shareholders' interests are well served. EMC Insurance'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, EMC Insurance's outside directors are responsible for providing unbiased perspectives on the board's policies.
Bruce Kelley, President CEO, Director
Mark Reese, CFO, Senior Vice President
Rodney Hanson, Senior Vice President - Productivity & Technology
Mick Lovell, Vice President
Richard Hoffmann, Vice President General Counsel, Corporate Secretary
Stephen Crane, Independent Chairman of the Board
Kevin Hovick, COO, Executive Vice President
Elizabeth Nigut, Vice President
Todd Strother, Vice President General Counsel, Secretary
Jason Bogart, Senior Vice President
Lisa Simonetta, Senior Vice President - Claims
Robert Howe, Independent Director
Ian Asplund, Vice President- Chief Actuary
Peter Christie, Independent Director
Steve Walsh, Director of Investor Relations
Jonathan Fletcher, Independent Director
Melissa Appenzelle, Vice President - Chief Actuary of the Company and Employers Mutual
Gretchen Tegeler, Independent Director
Robert Link, Senior Vice President - Administration, Corporate Secretary
Larry Phillips, Senior Vice President - Business Development
Bradley Fredericks, Chief Investment Officer, Vice President
Scott Jean, Vice President - Chief Actuary

EMC Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is EMC Insurance 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.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards EMC Insurance in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, EMC Insurance's short interest history, or implied volatility extrapolated from EMC Insurance options trading.

Pair Trading with EMC Insurance

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 EMC Insurance 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 EMC Insurance will appreciate offsetting losses from the drop in the long position's value.
The ability to find closely correlated positions to Abbott Laboratories could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Abbott Laboratories 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 Abbott Laboratories - 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 Abbott Laboratories to buy it.
The correlation of Abbott Laboratories 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 Abbott Laboratories moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Abbott Laboratories 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 Abbott Laboratories 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.
Pair CorrelationCorrelation Matching
Check out Investing Opportunities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
Note that the EMC Insurance Group information on this page should be used as a complementary analysis to other EMC Insurance's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.

Other Consideration for investing in EMC Stock

If you are still planning to invest in EMC Insurance Group check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the EMC Insurance's history and understand the potential risks before investing.
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