Howard Stock Executives

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

Howard Bancorp employes about 235 people. The company is managed by 18 executives with total tenure of roughly 184 years, averaging almost 10.0 years of service per executive having 13.06 employees per reported executive. Evaluation of Howard Bancorp management performance can provide insight into the firm performance. Note, employee sentiment is becoming a valuable factor that investors use to determine the amount of risk that may be associated with Howard Bancorp MD future performance.
Please check Risk vs Return Analysis.

Howard Insiders 

 
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  Mary Scully  Chairman
Chairman, CEO and President Chairman of Executive Committee, Chairman of Howard Bank, CEO of Howard Bank and President of Howard Bank
  Robert Altieri  President
Chief Specialty Lending Officer, Head of Specialty Lending, Executive VP and President of the Mortgage Division, Chief Specialty Lending Officer of Howard Bank, Executive VP of Howard Bank and President of the Mortgage Division of Howard Bank

Howard Bancorp Return on Sales

(0.16)Share

Howard Bancorp Management Team Effectiveness

Howard Bancorp MD has return on total asset (ROA) of 0.96 % which means that it generated profit of $0.96 on every $100 spent on asset. This is way below average. Similarly, it shows return on stockholders equity (ROE) of 8.19 %, meaning that it created $8.19 on every $100 dollars invested by stockholders. Howard Bancorp management efficiency ratios could be used to measure how well the company manages its routine affairs as well as how well it operates its assets and liabilities. As of January 23, 2022, Return on Average Assets is expected to decline to -0.0065. In addition to that, Return on Average Equity is expected to decline to -0.05. Howard Bancorp Tax Assets are projected to increase significantly based on the last few years of reporting. The past year's Tax Assets were at 35.94 Million. The current year Revenue to Assets is expected to grow to 0.05, whereas Total Assets Per Share are forecasted to decline to 118.44.

Howard Bancorp Quarterly Total Assets

2.53 BillionShare
Howard Bancorp Weighted Average Shares Diluted is projected to increase significantly based on the last few years of reporting. The past year's Weighted Average Shares Diluted was at 16.89 Million

Howard Bancorp Workforce Comparison

Howard Bancorp MD is rated # 2 in number of employees category among related companies. The total workforce of Banks—Regional industry is currently estimated at about 537. Howard Bancorp totals roughly 235 in number of employees claiming about 44% of stocks in Banks—Regional industry.

Howard Bancorp Profit Margins

The company has Profit Margin (PM) of 28.69 %, which can signify that it executes well on its competitive strategies and has good control over its expenditures. This is very large. Similarly, it shows Operating Margin (OM) of 46.15 %, which suggests for every 100 dollars of sales, it generated a net operating income of 0.46.

Howard Bancorp Insider Trading

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Howard Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Howard Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Howard Bancorp insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Howard Bancorp MD Benchmark Summation

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Howard Bancorp Notable Stakeholders

A Howard Bancorp stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Howard Bancorp often face trade-offs trying to please all of them. Howard Bancorp's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Howard Bancorp's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Mary Scully - Chairman, CEO and President Chairman of Executive Committee, Chairman of Howard Bank, CEO of Howard Bank and President of Howard BankProfile
Robert Altieri - Chief Specialty Lending Officer, Head of Specialty Lending, Executive VP and President of the Mortgage Division, Chief Specialty Lending Officer of Howard Bank, Executive VP of Howard Bank and President of the Mortgage Division of Howard BankProfile
George Coffman - CFO, Executive VP, Treasurer, CFO of Howard Bank, Chief Investment Officer of Howard Bank, Executive VP of Howard Bank and Treasurer of Howard BankProfile
Paul Brown - Chief Lending Officer, Chief Client Services Officer, Chief Credit Risk Officer, Executive VP, Chief Lending Officer of Howard Bank, Chief Client Services Officer of Howard Bank and Executive VP of Howard BankProfile
Charles Schwabe - Chief Risk Officer, Executive VP, Secretary, Chief Strategic Risk Officer of Howard Bank, Executive VP of Howard Bank and Secretary of Howard BankProfile
Richard Arnold - Independent DirectorProfile
Gary Bozel - DirectorProfile
Thomas ONeill - DirectorProfile
Robert Smith - Independent DirectorProfile
Donna Staton - Independent DirectorProfile
John Keenan - DirectorProfile
Richard Morgan - DirectorProfile
Robert Hartson - Independent DirectorProfile
Kenneth Lundeen - Independent DirectorProfile
Nasser Basir - Independent DirectorProfile
Paul Latta - Lead Independent DirectorProfile
Karen McGraw - Director of the Company and Howard BankProfile
Andrew Clark - Independent DirectorProfile

About Howard Bancorp Management Performance

The success or failure of an entity such as Howard Bancorp MD often depends on how effective the management is. Howard Bancorp management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Howard management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Howard management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
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Last ReportedProjected for 2022
Return on Average Assets(0.0063) (0.006466) 
Return on Average Equity(0.05) (0.05) 
Return on Invested Capital(0.0045) (0.004618) 
Return on Sales(0.16) (0.16) 
Howard Bancorp, Inc. operates as the bank holding company for Howard Bank that provides commercial banking, mortgage banking, and consumer finance products and services to businesses, business owners, professionals, and other consumers. The company offers various consumer and business deposit products, including demand, money market, savings, individual retirement, and commercial and retail checking accounts, as well as certificates of deposit. It also provides commercial loans, such as lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans, as well as equipment lease services commercial mortgage loans for owner occupied and investment properties construction loans residential mortgage loans and secured and unsecured consumer loans. In addition, the company offers wire transfer services automated teller machines and check cards and safe deposit boxes, as well as credit cards through a third party processor. Further, it provides merchant card, overnight sweep, check positive pay, and remote deposit capture services and online and mobile banking services. As of December 31, 2020, the company operated through a network of 15 full service branches, as well as eight commercial lending offices located in Maryland. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland.
The data published in Howard Bancorp's official financial statements usually reflect Howard Bancorp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Howard Bancorp MD. For example, before you start analyzing numbers published by Howard accountants, it's critical to develop an understanding of what Howard Bancorp's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Howard Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Howard Bancorp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Howard Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Howard Bancorp MD. Please utilize our Beneish M Score to check the likelihood of Howard Bancorp's management to manipulate its earnings.

Howard Bancorp Workforce Analysis

Traditionally, organizations such as Howard Bancorp use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Howard Bancorp within its industry.

Howard Bancorp Manpower Efficiency

Return on Howard Bancorp Manpower

Revenue Per Employee296.5 K
Revenue Per Executive4.7 M
Net Loss Per Employee82.3 K
Net Income Per Executive1.4 M
Today, most investors in Howard Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Howard Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's per employee growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Howard Bancorp per employee as a starting point in their analysis.

Per Employee

Howard Bancorp Per Employee Growth Over Time

Net Income Per Employee

(82,300.93)Share
Howard Bancorp Net Income Per Employee is projected to decrease significantly based on the last few years of reporting. The past year's Net Income Per Employee was at (80,190.65)

Revenue Per Employee

296,521Share
Howard Bancorp Revenue Per Employee is projected to increase significantly based on the last few years of reporting. The past year's Revenue Per Employee was at 364,638
Please check Risk vs Return Analysis. Note that the Howard Bancorp MD information on this page should be used as a complementary analysis to other Howard Bancorp'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 Idea Analyzer module to analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas.

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When running Howard Bancorp MD price analysis, check to measure Howard 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 Howard Bancorp is operating at the current time. Most of Howard Bancorp's value examination focuses on studying past and present price action to predict the probability of Howard Bancorp's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Howard Bancorp's price. Additionally, you may evaluate how the addition of Howard Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Howard Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Howard Bancorp. If investors know Howard will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Howard Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Howard Bancorp MD is measured differently than its book value, which is the value of Howard that is recorded on the company's balance sheet. Investors also form their own opinion of Howard Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Howard Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Howard Bancorp's market value can be influenced by many factors that don't directly affect Howard Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Howard Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine Howard Bancorp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Howard 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.