Thomas ONeill - Howard Bancorp Director

HBMD -  USA Stock  

USD 23.30  0.00  0.00%

  Director
Mr. Thomas P. ONeill is Director of Howard Bancorp, Inc. He was former Chairman of the Board of Patapsco Bancorp.
Age: 61  Director Since 2015      
410 750-0020  www.howardbank.com

Thomas ONeill Latest Insider Activity

Tracking and analyzing the buying and selling activities of Thomas ONeill against Howard Bancorp stock is an integral part of due diligence when investing in Howard Bancorp. Thomas ONeill insider activity provides valuable insight into whether Howard Bancorp is net buyers or sellers over its current business cycle. Note, Howard Bancorp insiders must abide by specific rules, including filing SEC forms every time they buy or sell Howard Bancorp'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.

Howard Bancorp Management Efficiency

Howard Bancorp 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 May 24, 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.
The company currently holds 268.01 M in liabilities with Debt to Equity (D/E) ratio of 9.19, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Howard Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Howard 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 Howard Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Howard to invest in growth at high rates of return. When we think about Howard Bancorp's use of debt, we should always consider it together with cash and equity.
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 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.

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2013
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Andrew JusterMerchants Bancorp
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John PerryMerchants Bancorp
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Sue GilroyMerchants Bancorp
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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. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland. Howard Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 235 people. Howard Bancorp (HBMD) is traded on NASDAQ Exchange in USA. It is located in 3301 Boston Street, Baltimore, MD 21224, United States and employs 235 people. Howard Bancorp is listed under Banking category by Fama And French industry classification.

Howard Bancorp Leadership Team

Elected by the shareholders, the Howard Bancorp's board of directors comprises two types of representatives: Howard Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Howard. The board's role is to monitor Howard Bancorp's management team and ensure that shareholders' interests are well served. Howard 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, Howard Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
Richard Arnold, Independent Director
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 Bank
Gary Bozel, Director
Mary Scully, Chairman, CEO and President Chairman of Executive Committee, Chairman of Howard Bank, CEO of Howard Bank and President of Howard Bank
Thomas ONeill, Director
Robert Smith, Independent Director
Donna Staton, Independent Director
John Keenan, Director
Richard Morgan, Director
Charles Schwabe, Chief Risk Officer, Executive VP, Secretary, Chief Strategic Risk Officer of Howard Bank, Executive VP of Howard Bank and Secretary of Howard Bank
Robert Hartson, Independent Director
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 Bank
Kenneth Lundeen, Independent Director
Nasser Basir, Independent Director
Paul Latta, Lead Independent Director
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 Bank
Karen McGraw, Director of the Company and Howard Bank
Andrew Clark, Independent Director

Howard Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Howard 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.

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Please check Risk vs Return Analysis. Note that the Howard Bancorp 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 Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.

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When running Howard Bancorp 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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