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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 0.25
HBMD's Cash to Debt is ranked higher than
58% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. HBMD: 0.25 )
HBMD' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 0.25

Equity to Asset 0.09
HBMD's Equity to Asset is ranked higher than
63% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HBMD: 0.09 )
HBMD' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.09

0.09
0.13
Interest Coverage 1.55
HBMD's Interest Coverage is ranked higher than
71% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HBMD: 1.55 )
HBMD' s 10-Year Interest Coverage Range
Min: 0.12   Max: 9999.99
Current: 1.55

0.12
9999.99
F-Score: 3
Z-Score: 0.12
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 (%) 10.99
HBMD's Operating margin (%) is ranked higher than
54% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. HBMD: 10.99 )
HBMD' s 10-Year Operating margin (%) Range
Min: -36.99   Max: 19.29
Current: 10.99

-36.99
19.29
Net-margin (%) 7.47
HBMD's Net-margin (%) is ranked higher than
53% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. HBMD: 7.47 )
HBMD' s 10-Year Net-margin (%) Range
Min: -23.17   Max: 24.18
Current: 7.47

-23.17
24.18
ROE (%) 3.66
HBMD's ROE (%) is ranked higher than
57% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. HBMD: 3.66 )
HBMD' s 10-Year ROE (%) Range
Min: -8.21   Max: 7.06
Current: 3.66

-8.21
7.06
ROA (%) 0.35
HBMD's ROA (%) is ranked higher than
58% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HBMD: 0.35 )
HBMD' s 10-Year ROA (%) Range
Min: -0.85   Max: 0.87
Current: 0.35

-0.85
0.87
ROC (Joel Greenblatt) (%) 7.91
HBMD's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. HBMD: 7.91 )
HBMD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -55.04   Max: 27.18
Current: 7.91

-55.04
27.18
Revenue Growth (3Y)(%) -2.90
HBMD's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HBMD: -2.90 )
HBMD' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 26.5
Current: -2.9

0
26.5
EBITDA Growth (3Y)(%) 3.20
HBMD's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HBMD: 3.20 )
HBMD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 75.5
Current: 3.2

0
75.5
EPS Growth (3Y)(%) 24.10
HBMD's EPS Growth (3Y)(%) is ranked higher than
89% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. HBMD: 24.10 )
HBMD' s 10-Year EPS Growth (3Y)(%) Range
Min: -25.2   Max: 41.3
Current: 24.1

-25.2
41.3
» HBMD's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 26.60
HBMD's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. HBMD: 26.60 )
HBMD' s 10-Year P/E(ttm) Range
Min: 13.04   Max: 70
Current: 26.6

13.04
70
P/B 1.20
HBMD's P/B is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. HBMD: 1.20 )
HBMD' s 10-Year P/B Range
Min: 0.5   Max: 1.42
Current: 1.2

0.5
1.42
P/S 1.90
HBMD's P/S is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. HBMD: 1.90 )
HBMD' s 10-Year P/S Range
Min: 0.87   Max: 5.79
Current: 1.9

0.87
5.79
EV-to-EBIT 43.49
HBMD's EV-to-EBIT is ranked higher than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. HBMD: 43.49 )
HBMD' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 43.9
Current: 43.49

7.6
43.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
HBMD's Price/Tangible Book is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. HBMD: 1.20 )
HBMD' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 1.28
Current: 1.2

0.5
1.28
Price/Median PS Value 1.00
HBMD's Price/Median PS Value is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. HBMD: 1.00 )
HBMD' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 3.5
Current: 1

0.48
3.5
Price/Graham Number 1.00
HBMD's Price/Graham Number is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HBMD: 1.00 )
HBMD' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.06
Current: 1

0.36
1.06
Earnings Yield (Greenblatt) 2.50
HBMD's Earnings Yield (Greenblatt) is ranked higher than
56% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HBMD: 2.50 )
HBMD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.3   Max: 13.1
Current: 2.5

2.3
13.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Howard Bancorp Inc Md was incorporated in April of 2005 under the laws of the State of Maryland. The Company completed its initial public offering in July 2012. The Company is a bank holding company for Howard Bank or the 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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