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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 0.34
HBMD's Cash to Debt is ranked higher than
59% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. HBMD: 0.34 )
HBMD' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: 0.34

Equity to Asset 0.10
HBMD's Equity to Asset is ranked higher than
71% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HBMD: 0.10 )
HBMD' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.13
Current: 0.1

0.1
0.13
Interest Coverage 1.55
HBMD's Interest Coverage is ranked higher than
71% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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: 2
Z-Score: 0.10
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 : 5/10

vs
industry
vs
history
Operating margin (%) 17.19
HBMD's Operating margin (%) is ranked higher than
58% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. HBMD: 17.19 )
HBMD' s 10-Year Operating margin (%) Range
Min: -36.99   Max: 19.29
Current: 17.19

-36.99
19.29
Net-margin (%) 11.45
HBMD's Net-margin (%) is ranked higher than
57% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. HBMD: 11.45 )
HBMD' s 10-Year Net-margin (%) Range
Min: -23.17   Max: 24.18
Current: 11.45

-23.17
24.18
ROE (%) 4.03
HBMD's ROE (%) is ranked higher than
57% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. HBMD: 4.03 )
HBMD' s 10-Year ROE (%) Range
Min: -7.67   Max: 6.09
Current: 4.03

-7.67
6.09
ROA (%) 0.39
HBMD's ROA (%) is ranked higher than
58% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HBMD: 0.39 )
HBMD' s 10-Year ROA (%) Range
Min: -0.76   Max: 0.77
Current: 0.39

-0.76
0.77
ROC (Joel Greenblatt) (%) 8.87
HBMD's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. HBMD: 8.87 )
HBMD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -27.52   Max: 25.81
Current: 8.87

-27.52
25.81
Revenue Growth (%) -2.90
HBMD's Revenue Growth (%) is ranked higher than
64% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HBMD: -2.90 )
HBMD' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 26.5
Current: -2.9

0
26.5
EBITDA Growth (%) 3.20
HBMD's EBITDA Growth (%) is ranked higher than
67% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. HBMD: 3.20 )
HBMD' s 10-Year EBITDA Growth (%) Range
Min: 3.2   Max: 75.5
Current: 3.2

3.2
75.5
EPS Growth (%) 24.10
HBMD's EPS Growth (%) is ranked higher than
88% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. HBMD: 24.10 )
HBMD' s 10-Year EPS Growth (%) 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

Insider Trades

Latest Guru Trades with HBMD

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Ratios

vs
industry
vs
history
P/E(ttm) 24.40
HBMD's P/E(ttm) is ranked higher than
59% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. HBMD: 24.40 )
HBMD' s 10-Year P/E(ttm) Range
Min: 13.04   Max: 70
Current: 24.4

13.04
70
P/B 1.10
HBMD's P/B is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HBMD: 1.10 )
HBMD' s 10-Year P/B Range
Min: 0.5   Max: 1.42
Current: 1.1

0.5
1.42
P/S 2.16
HBMD's P/S is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. HBMD: 2.16 )
HBMD' s 10-Year P/S Range
Min: 0.87   Max: 5.79
Current: 2.16

0.87
5.79
EV-to-EBIT 37.57
HBMD's EV-to-EBIT is ranked higher than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. HBMD: 37.57 )
HBMD' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 37.9
Current: 37.57

7.6
37.9
PEG 9.30
HBMD's PEG is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HBMD: 9.30 )
HBMD' s 10-Year PEG Range
Min: 0   Max: 12.7
Current: 9.3

0
12.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
HBMD's Price/Tangible Book is ranked higher than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. HBMD: 1.10 )
HBMD' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 1.28
Current: 1.1

0.5
1.28
Price/DCF (Projected) 0.50
HBMD's Price/DCF (Projected) is ranked lower than
52% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. HBMD: 0.50 )
HBMD' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 2.55
Current: 0.5

0.35
2.55
Price/Median PS Value 1.20
HBMD's Price/Median PS Value is ranked higher than
63% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HBMD: 1.20 )
HBMD' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 3.5
Current: 1.2

0.48
3.5
Price/Graham Number 0.90
HBMD's Price/Graham Number is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. HBMD: 0.90 )
HBMD' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.06
Current: 0.9

0.36
1.06
Earnings Yield (Greenblatt) 3.20
HBMD's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBMD: 3.20 )
HBMD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 13.1
Current: 3.2

2.6
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 is a bank holding company for Howard Bank. It provides commercial banking, insurance, investments, mortgage banking, and consumer finance products and services to businesses, professionals, and consumers in Maryland. It offers various deposit products, such as community business, business relationship, business solutions, super, Howard relationship, and Howard maximum checking accounts; individual retirement accounts; business, junior, personal, and IRA savings accounts; personal and business money market accounts; certificates of deposits; and CDARS. The Companys credit and lending services include commercial lines of credit commercial construction loans, commercial real estate loans, mini-perm financing, small business administration loans, receivables financing, equipment financing, home equity loans and lines, residential mortgages, consumer installment loans, unsecured lines of credit, renaissance loan fund, public servant loan program, and sustainability loan program. It also provides cash management and business services comprising escrow accounts, lockbox processing, same day branch deposit, free courier service for non-negotiable deposits, wire transfers, hands on evaluator, night depositories, customer convenience drop off boxes, remote deposit, repurchase agreements, merchant card services, and master notes. In addition, it offers business and personal online banking, Web BillPay services, ATM cards, and personal and business credit cards.
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