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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

» ANNB's 10-Y Financials


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Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Annapolis Bancorp, Inc. formerly known as Annapolis National Bancorp, Inc. was incorporated under the laws of Maryland in May, 1988. It is a holding Company for Annapolis National Bank. Effective June 1, 2001 the Company changed its name to Annapolis Bancorp, Inc. The Bank also created a Private Business Banking Division to provide local businesses with an unprecedented level of service and attention. The Bank provides general commercial and retail banking business to small businesses, professional and individuals. It accepts customer deposits from Anne Arundel County, Maryland, and to a lesser extent, Queen Anne's County, Maryland. The Company's business consists of originating loans and attracting deposits. The Company originates commercial loans, commercial real estate loans, construction loans, one- to four-family real estate loans, home equity loans and consumer loans. It also invests in U.S. Treasury and U.S. Government agency securities and other securities including mortgage backed securities issued or guaranteed by the federal government. The Company is a full service commercial bank and offers products and services to both commercial and retail customers. Commercial services offered by the bank include a variety of lending products including commercial real estate and commercial business loans, cash management services and letters of credit. Commercial business loans are made on a secured basis to corporations, partnerships and individual businesses. On the deposit side commercial customers are offered cash management services including account analysis, remote deposit capture, merchant services and an array of deposit products. To a lesser extent, the bank offers consumer loans to its retail customers, including mortgages, home equity loans and lines of credit and new and used car and boat loans. Effective November 1, 2000, the company changed the Bank charter from a national charter to a state charter. The Bank offers a range of banking products, including a full line of business and personal savings and checking accounts, money market demand accounts, certificates of deposit and other banking services. The Bank competes with numerous other financial intermediaries, commercial banks, savings and loan associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions operating in Anne Arundel County and elsewhere. The bank is subject to governmental supervision, regulation, and control.

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