Switch to:

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.39
HBMD's Cash to Debt is ranked lower than
78% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. HBMD: 0.39 )
Ranked among companies with meaningful Cash to Debt only.
HBMD' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.37 Max: No Debt
Current: 0.39
Equity to Asset 0.08
HBMD's Equity to Asset is ranked lower than
74% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBMD: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
HBMD' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.19
Current: 0.08
0.08
0.19
Interest Coverage 1.81
HBMD's Interest Coverage is ranked higher than
53% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. HBMD: 1.81 )
Ranked among companies with meaningful Interest Coverage only.
HBMD' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.3 Max: 7.19
Current: 1.81
0.12
7.19
F-Score: 4
M-Score: -3.72
WACC vs ROIC
1.42%
3.46%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.83
HBMD's Operating margin (%) is ranked lower than
80% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. HBMD: 16.83 )
Ranked among companies with meaningful Operating margin (%) only.
HBMD' s Operating margin (%) Range Over the Past 10 Years
Min: -36.99  Med: 15.65 Max: 39.05
Current: 16.83
-36.99
39.05
Net-margin (%) 10.83
HBMD's Net-margin (%) is ranked lower than
81% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. HBMD: 10.83 )
Ranked among companies with meaningful Net-margin (%) only.
HBMD' s Net-margin (%) Range Over the Past 10 Years
Min: -23.17  Med: 10.45 Max: 24.18
Current: 10.83
-23.17
24.18
ROE (%) 5.83
HBMD's ROE (%) is ranked lower than
70% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. HBMD: 5.83 )
Ranked among companies with meaningful ROE (%) only.
HBMD' s ROE (%) Range Over the Past 10 Years
Min: -9.24  Med: 2.62 Max: 19
Current: 5.83
-9.24
19
ROA (%) 0.53
HBMD's ROA (%) is ranked lower than
71% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. HBMD: 0.53 )
Ranked among companies with meaningful ROA (%) only.
HBMD' s ROA (%) Range Over the Past 10 Years
Min: -0.85  Med: 0.44 Max: 1.75
Current: 0.53
-0.85
1.75
Revenue Growth (3Y)(%) 18.60
HBMD's Revenue Growth (3Y)(%) is ranked higher than
89% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. HBMD: 18.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBMD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.9  Med: 20.4 Max: 36.4
Current: 18.6
-2.9
36.4
EBITDA Growth (3Y)(%) 10.40
HBMD's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. HBMD: 10.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBMD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.1  Med: 28.6 Max: 76.1
Current: 10.4
-17.1
76.1
EPS Growth (3Y)(%) 18.90
HBMD's EPS Growth (3Y)(%) is ranked higher than
77% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HBMD: 18.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBMD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.2  Med: 24.1 Max: 92.1
Current: 18.9
-25.2
92.1
GuruFocus has detected 7 Warning Signs with Howard Bancorp Inc $HBMD.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HBMD's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with HBMD

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BKSC, NAS:CBFV, NAS:FSBW, NAS:MPB, NAS:HWBK, OTCPK:FNCB, OTCPK:MVBF, NAS:SAL, OTCPK:FOFN, OTCPK:MNAT, NAS:SMBK, OTCPK:BKGMF, NAS:AUBN, NAS:ACFC, NAS:FSFG, OTCPK:ENBP, OTCPK:KTYB, NAS:CBAN, NAS:ASBB, OTCPK:CABC » details
Howard Bancorp Inc Md is a bank holding company. The Company, through its wholly-owned subsidiary, provides commercial banking, mortgage banking, and consumer finance through banking branches, the internet and other distribution channels.

Howard Bancorp Inc was incorporated in April 2005 under the laws of the State of Maryland. The Company completed its IPO in July 2012. It is a bank holding company for Howard Bank. It provides commercial banking, mortgage banking, and consumer finance through banking branches, the internet and other distribution channels to businesses, business owners, professionals and other consumers located mainly in the Greater Baltimore Metropolitan Area. The Bank engages in a general commercial banking business, making different types of loans and accepting deposits. The Bank markets its financial services to small to medium sized businesses and their owners, professionals and executives, and high-net-worth individuals. Its loans are mainly funded by core deposits of customers in its market. The Company has seven full services branches, four located throughout Howard County, one in Annapolis, one in Towson and one in Harford County.

Ratios

vs
industry
vs
history
P/E(ttm) 20.76
HBMD's P/E(ttm) is ranked lower than
75% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. HBMD: 20.76 )
Ranked among companies with meaningful P/E(ttm) only.
HBMD' s P/E(ttm) Range Over the Past 10 Years
Min: 4.4  Med: 21.41 Max: 59.09
Current: 20.76
4.4
59.09
PE(NRI) 20.76
HBMD's PE(NRI) is ranked lower than
75% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. HBMD: 20.76 )
Ranked among companies with meaningful PE(NRI) only.
HBMD' s PE(NRI) Range Over the Past 10 Years
Min: 4.4  Med: 21.41 Max: 59.09
Current: 20.76
4.4
59.09
Price/Owner Earnings (ttm) 34.06
HBMD's Price/Owner Earnings (ttm) is ranked lower than
89% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. HBMD: 34.06 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HBMD' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.23  Med: 6.02 Max: 81.37
Current: 34.06
2.23
81.37
P/B 1.25
HBMD's P/B is ranked lower than
56% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. HBMD: 1.25 )
Ranked among companies with meaningful P/B only.
HBMD' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.06 Max: 1.42
Current: 1.25
0.5
1.42
P/S 2.21
HBMD's P/S is ranked higher than
72% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. HBMD: 2.21 )
Ranked among companies with meaningful P/S only.
HBMD' s P/S Range Over the Past 10 Years
Min: 0.87  Med: 1.69 Max: 5.77
Current: 2.21
0.87
5.77
PFCF 14.74
HBMD's PFCF is ranked lower than
57% of the 823 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. HBMD: 14.74 )
Ranked among companies with meaningful PFCF only.
HBMD' s PFCF Range Over the Past 10 Years
Min: 1.73  Med: 4.82 Max: 42.66
Current: 14.74
1.73
42.66
POCF 13.76
HBMD's POCF is ranked lower than
60% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. HBMD: 13.76 )
Ranked among companies with meaningful POCF only.
HBMD' s POCF Range Over the Past 10 Years
Min: 1.59  Med: 4.62 Max: 68.68
Current: 13.76
1.59
68.68
EV-to-EBIT 22.55
HBMD's EV-to-EBIT is ranked lower than
77% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. HBMD: 22.55 )
Ranked among companies with meaningful EV-to-EBIT only.
HBMD' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.6  Med: 21.6 Max: 77.5
Current: 22.55
5.6
77.5
EV-to-EBITDA 19.18
HBMD's EV-to-EBITDA is ranked lower than
75% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. HBMD: 19.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBMD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 18.05 Max: 45.7
Current: 19.18
5.3
45.7
PEG 26.00
HBMD's PEG is ranked lower than
97% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. HBMD: 26.00 )
Ranked among companies with meaningful PEG only.
HBMD' s PEG Range Over the Past 10 Years
Min: 1.65  Med: 2.25 Max: 26
Current: 26
1.65
26

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -19.50
HBMD's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 1049 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HBMD: -19.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HBMD' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -19.9  Med: -15.4 Max: -0.1
Current: -19.5
-19.9
-0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
HBMD's Price/Tangible Book is ranked lower than
53% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. HBMD: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
HBMD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.08 Max: 1.81
Current: 1.29
0.5
1.81
Price/Projected FCF 15.84
HBMD's Price/Projected FCF is ranked lower than
99% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. HBMD: 15.84 )
Ranked among companies with meaningful Price/Projected FCF only.
HBMD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 2.55 Max: 15.84
Current: 15.84
0.35
15.84
Price/Median PS Value 1.31
HBMD's Price/Median PS Value is ranked lower than
67% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. HBMD: 1.31 )
Ranked among companies with meaningful Price/Median PS Value only.
HBMD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.15 Max: 3.5
Current: 1.31
0.52
3.5
Price/Peter Lynch Fair Value 2.30
HBMD's Price/Peter Lynch Fair Value is ranked lower than
83% of the 402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. HBMD: 2.30 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HBMD' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 2.26  Med: 2.61 Max: 2.95
Current: 2.3
2.26
2.95
Price/Graham Number 1.09
HBMD's Price/Graham Number is ranked lower than
61% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. HBMD: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
HBMD' s Price/Graham Number Range Over the Past 10 Years
Min: 0.46  Med: 1.01 Max: 2.1
Current: 1.09
0.46
2.1
Earnings Yield (Greenblatt) (%) 4.40
HBMD's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. HBMD: 4.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBMD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 4.6 Max: 18
Current: 4.4
1.3
18
Forward Rate of Return (Yacktman) (%) -3.07
HBMD's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. HBMD: -3.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HBMD' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4  Med: 2.3 Max: 17.6
Current: -3.07
-4
17.6

More Statistics

Revenue (TTM) (Mil) $48.96
EPS (TTM) $ 0.74
Beta-0.27
Short Percentage of Float0.36%
52-Week Range $11.65 - 15.50
Shares Outstanding (Mil)6.99
» More Articles for HBMD

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
Howard Bancorp posts 4Q profit Jan 19 2017
Howard Bancorp posts 4Q profit Jan 19 2017
HOWARD BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 19 2017
Howard Bancorp, Inc. Reports 2016 Results Reaches Milestone of $1 Billion in Asset Size, Increasing... Jan 19 2017
HOWARD BANCORP INC Financials Nov 19 2016
HOWARD BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 14 2016
Howard Bancorp, Inc. (Maryland) :HBMD-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25,... Oct 25 2016
HOWARD BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 19 2016
Howard Bancorp, Inc. Reaches Milestone of $1 Billion in Asset Size With Revenue Growth and Improved... Oct 18 2016
HOWARD BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 07 2016
HOWARD BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 15 2016
Howard Bancorp, Inc. (Maryland) :HBMD-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
HOWARD BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2016
Howard Bancorp, Inc. Announces Results for Second Quarter of 2016 Jul 21 2016
HOWARD BANCORP INC Files SEC form 8-K, Changes in Registrant's Certifying Accountant, Financial... Jun 06 2016
HOWARD BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 26 2016
HOWARD BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 25 2016
HOWARD BANCORP INC Files SEC form 10-Q, Quarterly Report May 12 2016
Howard Bancorp, Inc. (Maryland) :HBMD-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 28 2016
Howard Bank Expands Management Team Naming Veteran Banker James D. Witty Executive Vice President... Apr 26 2016
HOWARD BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 22 2016
Howard Bancorp, Inc. Announces Results for the First Quarter of 2016 Apr 22 2016
HOWARD BANCORP INC Files SEC form 10-K, Annual Report Mar 30 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)