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7.2 (1y: +11%)
Market Cap 29.1 M P/E(ttm) 22.30
Enterprise Value 77.39 M P/B 0.70
HBMD- NAS (USA)
Howard Bancorp Inc Md
Not Rated
Top Ranked Predictable Companies
$7.20
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt 0.66
HBMD's Cash to Debt is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. HBMD: 0.66 )
HBMD' s 10-Year Cash to Debt Range
Min: 0.21   Max: No Debt
Current: 0.66
Equity to Asset 0.116
HBMD's Equity to Asset is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HBMD: 0.116 )
HBMD' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.19
Current: 0.12
0.1
0.19
Interest Coverage No Debt
HBMD's Interest Coverage is ranked lower than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. HBMD: No Debt )
HBMD' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.21
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 19.30
HBMD's Operating margin (%) is ranked lower than
59% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. HBMD: 19.30 )
HBMD' s 10-Year Operating margin (%) Range
Min: -118.3   Max: 19.3
Current: 19.3
-118.3
19.3
Net-margin (%) 11.3
HBMD's Net-margin (%) is ranked lower than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. HBMD: 11.3 )
HBMD' s 10-Year Net-margin (%) Range
Min: -118.3   Max: 24.2
Current: 11.3
-118.3
24.2
ROE (%) 3.5
HBMD's ROE (%) is ranked lower than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. HBMD: 3.5 )
HBMD' s 10-Year ROE (%) Range
Min: -14.1   Max: 6.1
Current: 3.5
-14.1
6.1
ROA (%) 0.4
HBMD's ROA (%) is ranked lower than
67% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. HBMD: 0.4 )
HBMD' s 10-Year ROA (%) Range
Min: -2.7   Max: 0.8
Current: 0.4
-2.7
0.8
ROC (Joel Greenblatt) (%) 25.50
HBMD's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBMD: 25.50 )
HBMD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -20.6   Max: 53.9
Current: 25.5
-20.6
53.9
Revenue Growth (%) 5.1
HBMD's Revenue Growth (%) is ranked higher than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HBMD: 5.1 )
HBMD' s 10-Year Revenue Growth (%) Range
Min: 5.1   Max: 26.3
Current: 5.1
5.1
26.3
ยป 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) 22.30
HBMD's P/E(ttm) is ranked lower than
81% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. HBMD: 22.30 )
HBMD' s 10-Year P/E(ttm) Range
Min: 19.2   Max: 23.9
Current: 22.3
19.2
23.9
P/B 0.70
HBMD's P/B is ranked higher than
68% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. HBMD: 0.70 )
HBMD' s 10-Year P/B Range
Min: 0.52   Max: 0.7
Current: 0.7
0.52
0.7
P/S 1.76
HBMD's P/S is ranked higher than
69% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. HBMD: 1.76 )
HBMD' s 10-Year P/S Range
Min: 1.33   Max: 1.84
Current: 1.76
1.33
1.84
PFCF 5.60
HBMD's PFCF is ranked higher than
58% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBMD: 5.60 )
HBMD' s 10-Year PFCF Range
Min: 5.23   Max: 6.66
Current: 5.6
5.23
6.66
EV-to-EBIT 28.6
HBMD's EV-to-EBIT is ranked lower than
76% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. HBMD: 28.6 )
HBMD' s 10-Year EV-to-EBIT Range
Min: 16.4   Max: 19.7
Current: 28.6
16.4
19.7
Shiller P/E 65.1
HBMD's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. HBMD: 65.1 )
HBMD' s 10-Year Shiller P/E Range
Min: 54.64   Max: 65.1
Current: 65.1
54.64
65.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.6
HBMD's Price/Tangible Book is ranked higher than
81% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBMD: 0.6 )
HBMD' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 1.8
Current: 0.6
0.3
1.8
Price/DCF (Projected) 0.4
HBMD's Price/DCF (Projected) is ranked higher than
77% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HBMD: 0.4 )
HBMD' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 2.6
Current: 0.4
0.3
2.6
Price/Median PS Value 0.7
HBMD's Price/Median PS Value is ranked higher than
75% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HBMD: 0.7 )
HBMD' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 3.5
Current: 0.7
0.5
3.5
Price/Graham Number 0.6
HBMD's Price/Graham Number is ranked higher than
75% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HBMD: 0.6 )
HBMD' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 2
Current: 0.6
0.4
2
Earnings Yield (Greenblatt) 3.50
HBMD's Earnings Yield (Greenblatt) is ranked lower than
63% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. HBMD: 3.50 )
HBMD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 6.1
Current: 3.5
3.5
6.1
Forward Rate of Return (Yacktman) 3.52
HBMD's Forward Rate of Return (Yacktman) is ranked higher than
50% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. HBMD: 3.52 )
HBMD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.6   Max: 5.4
Current: 3.52
4.6
5.4

Business Description

Howard Bancorp, Inc. is a holding company for Howard Bank. Howard Bank offers a range of commercial and retail banking services. The Company is a diversified financial services company providing commercial banking, insurance, investments, 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 Howard County, Maryland and its contiguous counties. The Company has one reportable segment, 'Community Banking.' All of the Company's activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Company supports the others.
Company Website
SEC Reports
Industry: Banks - Regional - US
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