David Lobach - Embassy Bancorp Chairman

EMYB Stock  USD 13.70  0.05  0.37%   

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
Phone610 882-8800
Webwww.embassybank.com
Lobach is currently Chairman of the Board of St. Luke’s Hospital Network. He is a member of the Federal Reserve Bank of Philadelphia Advisory Council. He is a member of the Board of Trustees of Moravian College Seminary in Bethlehem, PA. He is past vice chairman of Eastern States BankCard Association, Visa Division and has served the Lehigh Valley community as a volunteer on the boards of such organizations as Junior Achievement, Boys and Girls Club, United Way, Lehigh Valley Chamber of Commerce, State Theater, Pennsylvania Bankers Education Committee, Wellness Community and the Girl Scouts.

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.
The company currently holds 14.65 M in liabilities with Debt to Equity (D/E) ratio of 0.06, which may suggest the company is not taking enough advantage from borrowing. Debt can assist Embassy Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Embassy Bancorp'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 Embassy Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Embassy to invest in growth at high rates of return. When we think about Embassy Bancorp's use of debt, we should always consider it together with cash and equity.

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Embassy Bancorp, Inc. operates as the bank holding company for the Embassy Bank for the Lehigh Valley that provides traditional banking and related financial services to individual, business, and government customers in Pennsylvania. Embassy Bancorp, Inc. was founded in 2001 and is headquartered in Bethlehem, Pennsylvania. Embassy Bancorp operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 106 people. Embassy Bancorp [EMYB] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

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.
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
John Yurconic, Independent Director
Mark Casciano, VP Initiatives
Diane Cunningham, Branch Lending
David Lobach, Chairman, CEO and President Chairman of Embassy Bank, CEO of Embassy Bank and President of Embassy Bank
John Englesson, Independent Director
Lynne Neel, Controller, VP
John Pittman, Independent Director
David Arner, VP Security
Scott Karwacki, VP Analysis
Frank Banko, Director
James Bartholomew, Executive VP, Executive VP of Embassy Bank and Sr. Lending Officer of Embassy Bank
John Brew, Independent Director
Geoffrey Boyer, Independent Director
Bernard Lesavoy, Director
Patti Smith, Director
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.

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 against Embassy OTC Stock

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  0.63MUFG Mitsubishi UFJ Financial Financial Report 20th of May 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 equities. 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.
Pair CorrelationCorrelation Matching
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 Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.

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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.
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Please note, there is a significant difference between Embassy Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Embassy Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Embassy Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.