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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 : 6/10

vs
industry
vs
history
Cash to Debt N/A
HBMD's Cash to Debt is ranked higher than
83% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HBMD: N/A )
Ranked among companies with meaningful Cash to Debt only.
HBMD' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.66 Max: N/A
Current: N/A
Equity to Asset 0.10
HBMD's Equity to Asset is ranked lower than
54% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBMD: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
HBMD' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.13
Current: 0.1
0.09
0.13
Interest Coverage 0.69
HBMD's Interest Coverage is ranked lower than
74% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. HBMD: 0.69 )
Ranked among companies with meaningful Interest Coverage only.
HBMD' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.30 Max: 7.19
Current: 0.69
0.12
7.19
F-Score: 3
WACC vs ROIC
1.28%
1.15%
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 (%) 5.01
HBMD's Operating margin (%) is ranked lower than
90% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. HBMD: 5.01 )
Ranked among companies with meaningful Operating margin (%) only.
HBMD' s Operating margin (%) Range Over the Past 10 Years
Min: -118.28  Med: 10.86 Max: 39.05
Current: 5.01
-118.28
39.05
Net-margin (%) 2.70
HBMD's Net-margin (%) is ranked lower than
92% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. HBMD: 2.70 )
Ranked among companies with meaningful Net-margin (%) only.
HBMD' s Net-margin (%) Range Over the Past 10 Years
Min: -118.28  Med: 8.90 Max: 24.18
Current: 2.7
-118.28
24.18
ROE (%) 1.76
HBMD's ROE (%) is ranked lower than
88% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. HBMD: 1.76 )
Ranked among companies with meaningful ROE (%) only.
HBMD' s ROE (%) Range Over the Past 10 Years
Min: -9.24  Med: 2.41 Max: 19
Current: 1.76
-9.24
19
ROA (%) 0.19
HBMD's ROA (%) is ranked lower than
88% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. HBMD: 0.19 )
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: 0.19
-0.85
1.75
Revenue Growth (3Y)(%) 26.80
HBMD's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. HBMD: 26.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBMD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.9  Med: 20.50 Max: 36.6
Current: 26.8
-2.9
36.6
EBITDA Growth (3Y)(%) 58.30
HBMD's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HBMD: 58.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBMD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 3.2  Med: 52.40 Max: 75.5
Current: 58.3
3.2
75.5
EPS Growth (3Y)(%) 91.20
HBMD's EPS Growth (3Y)(%) is ranked higher than
97% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. HBMD: 91.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBMD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.1  Med: 40.40 Max: 91.2
Current: 91.2
-25.1
91.2
» HBMD's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with HBMD

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Ratios

vs
industry
vs
history
P/E(ttm) 4.99
HBMD's P/E(ttm) is ranked higher than
90% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. HBMD: 4.99 )
Ranked among companies with meaningful P/E(ttm) only.
HBMD' s P/E(ttm) Range Over the Past 10 Years
Min: 4.44  Med: 21.10 Max: 72.5
Current: 4.99
4.44
72.5
PE(NRI) 4.99
HBMD's PE(NRI) is ranked higher than
90% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. HBMD: 4.99 )
Ranked among companies with meaningful PE(NRI) only.
HBMD' s PE(NRI) Range Over the Past 10 Years
Min: 4.45  Med: 21.11 Max: 72.5
Current: 4.99
4.45
72.5
P/B 1.02
HBMD's P/B is ranked lower than
58% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. HBMD: 1.02 )
Ranked among companies with meaningful P/B only.
HBMD' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.01 Max: 1.42
Current: 1.02
0.5
1.42
P/S 1.17
HBMD's P/S is ranked higher than
85% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. HBMD: 1.17 )
Ranked among companies with meaningful P/S only.
HBMD' s P/S Range Over the Past 10 Years
Min: 0.87  Med: 1.49 Max: 5.99
Current: 1.17
0.87
5.99
EV-to-EBIT 9.37
HBMD's EV-to-EBIT is ranked higher than
64% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. HBMD: 9.37 )
Ranked among companies with meaningful EV-to-EBIT only.
HBMD' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.6  Med: 17.10 Max: 42.4
Current: 9.37
5.6
42.4
EV-to-EBITDA 8.74
HBMD's EV-to-EBITDA is ranked higher than
63% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. HBMD: 8.74 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBMD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 14.40 Max: 32.8
Current: 8.74
5.3
32.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
HBMD's Price/Tangible Book is ranked lower than
53% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. HBMD: 1.13 )
Ranked among companies with meaningful Price/Tangible Book only.
HBMD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.02 Max: 1.31
Current: 1.13
0.5
1.31
Price/Median PS Value 0.70
HBMD's Price/Median PS Value is ranked higher than
79% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. HBMD: 0.70 )
Ranked among companies with meaningful Price/Median PS Value only.
HBMD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.59  Med: 1.04 Max: 3.89
Current: 0.7
0.59
3.89
Price/Graham Number 0.52
HBMD's Price/Graham Number is ranked higher than
76% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HBMD: 0.52 )
Ranked among companies with meaningful Price/Graham Number only.
HBMD' s Price/Graham Number Range Over the Past 10 Years
Min: 0.46  Med: 0.85 Max: 1.27
Current: 0.52
0.46
1.27
Earnings Yield (Greenblatt) (%) 10.72
HBMD's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HBMD: 10.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBMD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 5.80 Max: 18
Current: 10.72
2.4
18

More Statistics

Revenue(Mil) $42
EPS $ 0.24
Beta-0.18
Short Percentage of Float0.02%
52-Week Range $11.41 - 15.15
Shares Outstanding(Mil)6.96

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Howard Bancorp Inc Md 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.
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