Scott Karwacki - Embassy Bancorp VP Analysis

EMYB Stock  USD 15.90  0.04  0.25%   

Insider

Scott Karwacki is VP Analysis of Embassy Bancorp
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.
Embassy Bancorp 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.
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.

Also Currently Popular

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Other Information on Investing in Embassy OTC Stock

Embassy Bancorp financial ratios help investors to determine whether Embassy OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Embassy with respect to the benefits of owning Embassy Bancorp security.