The
thallus forms a loose,
foliose rosette, typically 5–10 cm across, and is only weakly attached to the bark
substrate. The are irregularly branched and slightly concave, about 1.5–3.0 mm wide, with a distinctly narrow, recurved margin. Small, ascending lobules are also present. The upper surface is pale greenish grey when fresh and becomes pale yellowish brown in
herbarium storage. It is glossy and mostly smooth, with only a faint near the margins. The lower surface lacks a true lower . Instead, the lowest part of the
medulla forms a pattern of pale brown, radiating
hyphae.
Rhizines are sparse, pale brown, and unbranched, mostly concentrated in the older central parts of the thallus.
Pannaria howeana is a tripartite lichen with two photosynthetic partners: a green alga in the main thallus and
cyanobacteria housed in
cephalodia. The
cephalodia are common on the upper surface and contain
Nostoc.
Apothecia, the fruiting bodies, are common, with rufous-brown and a that is - and strongly incurved. Each
ascus contains eight spores. The
ascospores are
ellipsoid and roughened, measuring about 13.5–17.0 × 8–10 μm. Including the perispore, they measure 14–18 × 9–11 μm, and they lack apical extensions.
Thin-layer chromatography detected porphyrilic acid and vicanicin as the main
lichen substances, with
leprolomin only weakly present or absent. ==Habitat and distribution==