Richard Arnold - Howard Bancorp Independent Director
Director
Mr. Richard G. Arnold is the Independent Director of Howard Bancorp Inc. He has served as a director of Howard Bank since 2004. Mr. Arnold is the Vice President and coowner of The John E. Ruth Company, Inc., a plumbing and heating firm. He has served in that capacity since 1983. He also maintains ownership in various real estate holdings. Mr. Arnold serves on the Board of Trustees at Mount de Sales High School and serves on several related committees since 2005.
| Age | 52 |
| Tenure | 19 years |
| Phone | 410 750-0020 |
| Web | www.howardbank.com |
Howard Bancorp Management Efficiency
The company has return on total asset (ROA) of 0.96 % which means that it generated a profit of $0.96 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 8.19 %, meaning that it created $8.19 on every $100 dollars invested by stockholders. Howard Bancorp's management efficiency ratios could be used to measure how well Howard Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.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.
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Management Performance
| Return On Equity | 8.19 | |||
| Return On Asset | 0.96 |
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.
| Return On Equity | 8.19 | |||
| Return On Asset | 0.96 | |||
| Profit Margin | 28.69 % | |||
| Operating Margin | 46.15 % | |||
| Current Valuation | 638.31 M | |||
| Shares Outstanding | 18.81 M | |||
| Shares Owned By Insiders | 25.76 % | |||
| Shares Owned By Institutions | 50.94 % | |||
| Number Of Shares Shorted | 144.38 K | |||
| Price To Earning | 18.05 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Howard Bancorp in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Howard Bancorp's short interest history, or implied volatility extrapolated from Howard Bancorp options trading.
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Other Consideration for investing in Howard Stock
If you are still planning to invest in Howard Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Howard Bancorp's history and understand the potential risks before investing.
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