John Englesson - Embassy Bancorp Independent Director

EMYB Stock  USD 13.40  0.04  0.30%   

Director

Mr. John G. Englesson is an Independent Director of Embassy Bancorp Inc. He is currently President of zAxis Corporationration, advising business leaders on profitability growing their businesses. Mr. Englesson also holds 50 percent ownership of Integrity Business Services, LLC where he holds the positions of Executive Vice President and Secretary. He has served in a number of executive management positions, as well as on several boards of emerging technology businesses. He was one of the principal owners of Chadwick Telecommunications Corporationrationration. Mr. Englesson has volunteered his time with numerous community organizations, including his current participation in the Allentown Economic Development Corporation as a Board Member. He has also served in Mayor of Allentowns Transition Team as the Chair of the Community and Economic Development Committee, the Bethlehem Economic Development Corporation as its President, the Lehigh Valley Economic Development Corporation as its Chair, the Rotary Club of Bethlehem as its President, and the American Hellenic Educational Progressive Association as its President. since 2008.
Age 61
Tenure 16 years
Phone610 882-8800
Webwww.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.
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.

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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.
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 Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.

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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.