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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.44
HBMD's Cash to Debt is ranked lower than
76% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. HBMD: 0.44 )
Ranked among companies with meaningful Cash to Debt only.
HBMD' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.58 Max: N/A
Current: 0.44
Equity to Asset 0.08
HBMD's Equity to Asset is ranked lower than
74% of the 1660 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: 0.13
Current: 0.08
0.08
0.13
Interest Coverage 1.76
HBMD's Interest Coverage is ranked higher than
51% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HBMD: 1.76 )
Ranked among companies with meaningful Interest Coverage only.
HBMD' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.21 Max: 7.19
Current: 1.76
0.12
7.19
F-Score: 4
M-Score: -2.70
WACC vs ROIC
1.05%
3.20%
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 (%) 15.12
HBMD's Operating margin (%) is ranked lower than
81% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. HBMD: 15.12 )
Ranked among companies with meaningful Operating margin (%) only.
HBMD' s Operating margin (%) Range Over the Past 10 Years
Min: -36.99  Med: 10.86 Max: 39.05
Current: 15.12
-36.99
39.05
Net-margin (%) 9.79
HBMD's Net-margin (%) is ranked lower than
83% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. HBMD: 9.79 )
Ranked among companies with meaningful Net-margin (%) only.
HBMD' s Net-margin (%) Range Over the Past 10 Years
Min: -23.17  Med: 8.9 Max: 24.18
Current: 9.79
-23.17
24.18
ROE (%) 5.19
HBMD's ROE (%) is ranked lower than
73% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. HBMD: 5.19 )
Ranked among companies with meaningful ROE (%) only.
HBMD' s ROE (%) Range Over the Past 10 Years
Min: -9.24  Med: 2.26 Max: 19
Current: 5.19
-9.24
19
ROA (%) 0.50
HBMD's ROA (%) is ranked lower than
72% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. HBMD: 0.50 )
Ranked among companies with meaningful ROA (%) only.
HBMD' s ROA (%) Range Over the Past 10 Years
Min: -0.85  Med: 0.38 Max: 1.75
Current: 0.5
-0.85
1.75
Revenue Growth (3Y)(%) 15.50
HBMD's Revenue Growth (3Y)(%) is ranked higher than
85% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. HBMD: 15.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBMD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.9  Med: 20.45 Max: 36.4
Current: 15.5
-2.9
36.4
EBITDA Growth (3Y)(%) -17.10
HBMD's EBITDA Growth (3Y)(%) is ranked lower than
89% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. HBMD: -17.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBMD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.1  Med: 46.8 Max: 76.1
Current: -17.1
-17.1
76.1
EPS Growth (3Y)(%) -19.80
HBMD's EPS Growth (3Y)(%) is ranked lower than
89% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HBMD: -19.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBMD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.2  Med: 31.6 Max: 92.1
Current: -19.8
-25.2
92.1
» HBMD's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FSBW, NAS:CBFV, OTCPK:MVBF, OTCPK:CHBH, NAS:SAL, OTCPK:FNCB, NAS:NBN, OTCPK:ENBP, NAS:BKSC, NAS:CBAN, NAS:AUBN, NAS:OVLY, OTCPK:KTYB, NAS:TRCB, NAS:SLCT, OTCPK:CWBB, OTCPK:MNAT, NAS:ASBB, OTCPK:FNRN, OTCPK:BKGMF » 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) 22.11
HBMD's P/E(ttm) is ranked lower than
79% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. HBMD: 22.11 )
Ranked among companies with meaningful P/E(ttm) only.
HBMD' s P/E(ttm) Range Over the Past 10 Years
Min: 4.4  Med: 21.53 Max: 59.09
Current: 22.11
4.4
59.09
PE(NRI) 22.11
HBMD's PE(NRI) is ranked lower than
79% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. HBMD: 22.11 )
Ranked among companies with meaningful PE(NRI) only.
HBMD' s PE(NRI) Range Over the Past 10 Years
Min: 4.4  Med: 21.53 Max: 59.09
Current: 22.11
4.4
59.09
Price/Owner Earnings (ttm) 84.69
HBMD's Price/Owner Earnings (ttm) is ranked lower than
96% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. HBMD: 84.69 )
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: 5.87 Max: 84.69
Current: 84.69
2.23
84.69
P/B 1.22
HBMD's P/B is ranked lower than
56% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. HBMD: 1.22 )
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: 1.22
0.5
1.42
P/S 2.06
HBMD's P/S is ranked higher than
73% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. HBMD: 2.06 )
Ranked among companies with meaningful P/S only.
HBMD' s P/S Range Over the Past 10 Years
Min: 0.87  Med: 1.66 Max: 5.77
Current: 2.06
0.87
5.77
PFCF 4.39
HBMD's PFCF is ranked higher than
75% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. HBMD: 4.39 )
Ranked among companies with meaningful PFCF only.
HBMD' s PFCF Range Over the Past 10 Years
Min: 1.73  Med: 4.71 Max: 42.66
Current: 4.39
1.73
42.66
POCF 4.17
HBMD's POCF is ranked higher than
73% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. HBMD: 4.17 )
Ranked among companies with meaningful POCF only.
HBMD' s POCF Range Over the Past 10 Years
Min: 1.59  Med: 4.43 Max: 68.68
Current: 4.17
1.59
68.68
EV-to-EBIT 22.84
HBMD's EV-to-EBIT is ranked lower than
77% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. HBMD: 22.84 )
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: 22.84
5.6
77.5
EV-to-EBITDA 18.09
HBMD's EV-to-EBITDA is ranked lower than
72% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. HBMD: 18.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBMD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 17.8 Max: 45.7
Current: 18.09
5.3
45.7
PEG 3.17
HBMD's PEG is ranked lower than
79% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. HBMD: 3.17 )
Ranked among companies with meaningful PEG only.
HBMD' s PEG Range Over the Past 10 Years
Min: 1.65  Med: 2.05 Max: 3.17
Current: 3.17
1.65
3.17

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -19.90
HBMD's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HBMD: -19.90 )
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: -10.45 Max: -0.1
Current: -19.9
-19.9
-0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
HBMD's Price/Tangible Book is ranked lower than
54% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. HBMD: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
HBMD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 1.07 Max: 1.31
Current: 1.26
0.5
1.31
Price/Projected FCF 5.52
HBMD's Price/Projected FCF is ranked lower than
98% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. HBMD: 5.52 )
Ranked among companies with meaningful Price/Projected FCF only.
HBMD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 3.85 Max: 11.61
Current: 5.52
0.35
11.61
Price/Median PS Value 1.23
HBMD's Price/Median PS Value is ranked lower than
65% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBMD: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
HBMD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 1 Max: 3.48
Current: 1.23
0.53
3.48
Price/Peter Lynch Fair Value 1.90
HBMD's Price/Peter Lynch Fair Value is ranked lower than
75% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HBMD: 1.90 )
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: 1.7  Med: 2.47 Max: 2.95
Current: 1.9
1.7
2.95
Price/Graham Number 1.11
HBMD's Price/Graham Number is ranked lower than
63% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. HBMD: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
HBMD' s Price/Graham Number Range Over the Past 10 Years
Min: 0.46  Med: 0.97 Max: 1.72
Current: 1.11
0.46
1.72
Earnings Yield (Greenblatt) (%) 4.38
HBMD's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. HBMD: 4.38 )
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: 4.38
1.3
18
Forward Rate of Return (Yacktman) (%) -0.50
HBMD's Forward Rate of Return (Yacktman) (%) is ranked lower than
79% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. HBMD: -0.50 )
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: -2.3  Med: 2.5 Max: 17.6
Current: -0.5
-2.3
17.6

More Statistics

Revenue (TTM) (Mil) $49.39
EPS (TTM) $ 0.67
Beta-0.29
Short Percentage of Float0.40%
52-Week Range $11.65 - 15.00
Shares Outstanding (Mil)6.99
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