Scott Karwacki - Embassy Bancorp VP Analysis
| EMYB Stock | USD 15.25 0.49 3.11% |
Insider
Scott Karwacki is VP Analysis of Embassy Bancorp
| 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
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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 |
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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.