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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 1.23
OLBK's Cash to Debt is ranked higher than
72% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. OLBK: 1.23 )
OLBK' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 1.23

Equity to Asset 0.11
OLBK's Equity to Asset is ranked higher than
80% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OLBK: 0.11 )
OLBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.2
Current: 0.11

0.07
0.2
Interest Coverage 2.70
OLBK's Interest Coverage is ranked higher than
81% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OLBK: 2.70 )
OLBK' s 10-Year Interest Coverage Range
Min: 0.34   Max: 2.7
Current: 2.7

0.34
2.7
F-Score: 6
Z-Score: 0.18
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 : 8/10

vs
industry
vs
history
Operating margin (%) 23.19
OLBK's Operating margin (%) is ranked higher than
65% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. OLBK: 23.19 )
OLBK' s 10-Year Operating margin (%) Range
Min: 16.27   Max: 31.24
Current: 23.19

16.27
31.24
Net-margin (%) 16.02
OLBK's Net-margin (%) is ranked higher than
64% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. OLBK: 16.02 )
OLBK' s 10-Year Net-margin (%) Range
Min: 10.08   Max: 20.72
Current: 16.02

10.08
20.72
ROE (%) 6.21
OLBK's ROE (%) is ranked higher than
67% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. OLBK: 6.21 )
OLBK' s 10-Year ROE (%) Range
Min: 3.4   Max: 10.06
Current: 6.21

3.4
10.06
ROA (%) 0.67
OLBK's ROA (%) is ranked higher than
69% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. OLBK: 0.67 )
OLBK' s 10-Year ROA (%) Range
Min: 0.37   Max: 0.87
Current: 0.67

0.37
0.87
ROC (Joel Greenblatt) (%) 20.12
OLBK's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. OLBK: 20.12 )
OLBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.61   Max: 48.31
Current: 20.12

12.61
48.31
Revenue Growth (%) 11.70
OLBK's Revenue Growth (%) is ranked higher than
92% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. OLBK: 11.70 )
OLBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 21.6
Current: 11.7

0
21.6
EBITDA Growth (%) 20.20
OLBK's EBITDA Growth (%) is ranked higher than
87% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OLBK: 20.20 )
OLBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 87.6
Current: 20.2

0
87.6
EPS Growth (%) 30.20
OLBK's EPS Growth (%) is ranked higher than
91% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. OLBK: 30.20 )
OLBK' s 10-Year EPS Growth (%) Range
Min: -0.9   Max: 39.7
Current: 30.2

-0.9
39.7
» OLBK'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) 18.50
OLBK's P/E(ttm) is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. OLBK: 18.50 )
OLBK' s 10-Year P/E(ttm) Range
Min: 9.12   Max: 65.51
Current: 18.5

9.12
65.51
P/B 1.21
OLBK's P/B is ranked higher than
69% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OLBK: 1.21 )
OLBK' s 10-Year P/B Range
Min: 0.5   Max: 1.84
Current: 1.21

0.5
1.84
P/S 2.86
OLBK's P/S is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. OLBK: 2.86 )
OLBK' s 10-Year P/S Range
Min: 1.51   Max: 12.35
Current: 2.86

1.51
12.35
PFCF 12.31
OLBK's PFCF is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. OLBK: 12.31 )
OLBK' s 10-Year PFCF Range
Min: 4.79   Max: 70
Current: 12.31

4.79
70
EV-to-EBIT 12.18
OLBK's EV-to-EBIT is ranked higher than
82% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. OLBK: 12.18 )
OLBK' s 10-Year EV-to-EBIT Range
Min: 7.4   Max: 80.2
Current: 12.18

7.4
80.2
PEG 1.19
OLBK's PEG is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. OLBK: 1.19 )
OLBK' s 10-Year PEG Range
Min: 0.5   Max: 1.91
Current: 1.19

0.5
1.91
Shiller P/E 20.70
OLBK's Shiller P/E is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. OLBK: 20.70 )
OLBK' s 10-Year Shiller P/E Range
Min: 11.22   Max: 25.72
Current: 20.7

11.22
25.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
OLBK's Dividend Yield is ranked lower than
81% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. OLBK: 1.10 )
OLBK' s 10-Year Dividend Yield Range
Min: 0.25   Max: 2.61
Current: 1.1

0.25
2.61
Dividend Payout 0.20
OLBK's Dividend Payout is ranked higher than
93% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OLBK: 0.20 )
OLBK' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.66
Current: 0.2

0.1
0.66
Dividend growth (3y) 10.10
OLBK's Dividend growth (3y) is ranked higher than
81% of the 962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. OLBK: 10.10 )
OLBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 21.3
Current: 10.1

0
21.3
Yield on cost (5-Year) 1.69
OLBK's Yield on cost (5-Year) is ranked lower than
66% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. OLBK: 1.69 )
OLBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 4.02
Current: 1.69

0.38
4.02
Share Buyback Rate -33.10
OLBK's Share Buyback Rate is ranked higher than
50% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OLBK: -33.10 )
OLBK' s 10-Year Share Buyback Rate Range
Min: 3.2   Max: -36.3
Current: -33.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
OLBK's Price/Tangible Book is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. OLBK: 1.35 )
OLBK' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 1.6
Current: 1.35

0.64
1.6
Price/DCF (Projected) 0.87
OLBK's Price/DCF (Projected) is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OLBK: 0.87 )
OLBK' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.03
Current: 0.87

0.46
1.03
Price/Median PS Value 0.97
OLBK's Price/Median PS Value is ranked higher than
85% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. OLBK: 0.97 )
OLBK' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 4.13
Current: 0.97

0.52
4.13
Price/Peter Lynch Fair Value 1.55
OLBK's Price/Peter Lynch Fair Value is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OLBK: 1.55 )
OLBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54   Max: 1.84
Current: 1.55

0.54
1.84
Price/Graham Number 1.06
OLBK's Price/Graham Number is ranked higher than
70% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OLBK: 1.06 )
OLBK' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 2.06
Current: 1.06

0.53
2.06
Earnings Yield (Greenblatt) 8.20
OLBK's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. OLBK: 8.20 )
OLBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 13.6
Current: 8.2

1.2
13.6
Forward Rate of Return (Yacktman) 14.98
OLBK's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. OLBK: 14.98 )
OLBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.5   Max: 25.5
Current: 14.98

14.5
25.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Old Line Bancshares, Inc., was incorporated under the laws of the State of Maryland on April 11, 2003 to serve as the holding company of Old Line Bank. The main business of the Company is to own all of the capital stock of Old Line Bank. The Company is engaged in a general commercial banking business, making various types of loans and accepting deposits. It markets its financial services to small to medium sized businesses, entrepreneurs, professionals, consumers and high net worth clients. Its current main market area is the suburban Maryland (Washington, D.C. suburbs) counties of Anne Arundel, Calvert, Charles, Prince George's and St. Mary's. Its principal source of revenue is interest income and fees generated by lending and investing funds on deposit. The Company's lending activities consist generally of short to medium term commercial business loans, commercial real estate loans, real estate construction loans, home equity loans and consumer installment loans, both secured and unsecured. It finances commercial real estate for its clients, usually for owner occupied properties. The Company's commercial business lending consists of lines of credit, revolving credit facilities, accounts receivable financing, term loans, equipment loans, SBA loans, stand-by letters of credit and unsecured loans. It originates commercial loans for any business purpose including the financing of leasehold improvements and equipment, the carrying of accounts receivable, general working capital, and contract administration and acquisition activities. Its real estate construction lending business consists of funds advanced for construction of single family residences, multi-family housing and commercial buildings. These loans have short durations, meaning maturities typically of nine months or less. Residential houses, multi-family dwellings and commercial buildings under construction and the underlying land for which the loan was obtained secure the construction loans. It offers various types of secured and unsecured consumer loans. It offers a variety of consumer-oriented residential real estate loans. It also offers fixed rate home improvement loans. The Company also makes consumer loans for personal, family or household purposes as a convenience to its customer base. It offers its customers safe deposit boxes, wire transfer services, debit cards, ATM machines at all of its branch locations and credit cards through a third party processor. Additionally, it provides Internet banking capabilities to its customers. With its Internet banking service, its customers might view their accounts on-line and electronically remit bill payments. In addition the Company provides other commercial account services including: direct deposit of payroll for its commercial clients' employees, an overnight sweep service and remote deposit capture service. Deposits are the major source of its funding. It offers an array of deposit products that include demand, NOW, mon
» More Articles for OLBK

Headlines

Articles On GuruFocus.com
Fast growth - inside Jun 17 2012 
Weekly CFO Buys Highlight: PRWT, ANCB, ACLS, OLBK, PXLW Feb 13 2011 
Weekly CFO Buys Highlight: PRWT, ANCB, ACLS, OLBK, PXLW Feb 07 2011 
Old Line Bancshares Inc. Reports Operating Results (10-Q) Nov 10 2010 
Old Line Bancshares Inc. Reports Operating Results (10-Q) Aug 02 2010 
Old Line Bancshares Inc. Reports Operating Results (10-Q) May 07 2010 
Old Line Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Old Line Bancshares Inc. Reports Operating Results (10-Q) Aug 06 2009 
Old Line Bancshares Inc. Reports Operating Results (10-Q) May 13 2009 

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Old Line Bancshares, Inc. Reports Second Quarter Loan Growth of 5.00% Jul 21 2014
OLD LINE BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 17 2014
Old Line Bancshares, Inc. Joins the Russell 2000 Index Jul 16 2014
Old Line Bancshares, Inc. Joins the Russell 2000 Index Jul 16 2014
Old Line Bancshares: Over Promising And Under Delivering Jul 14 2014
Old Line Bancshares: Well Positioned To Deliver Strong Growth Jun 10 2014
OLD LINE BANCSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 02 2014
OLD LINE BANCSHARES INC Files SEC form 8-K, Regulation FD Disclosure May 29 2014
OLD LINE BANCSHARES INC Financials May 16 2014
Old Line Bancshares (OLBK) Enters Oversold Territory May 15 2014
OLD LINE BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 09 2014
OLD LINE BANCSHARES INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 02 2014
Old Line Bancshares Appoints John Miller Executive Vice President, Chief Credit Officer and Elise M.... May 02 2014
OLD LINE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 18 2014
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