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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 0.35
OLBK's Cash to Debt is ranked lower than
75% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. OLBK: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
OLBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.54 Max: N/A
Current: 0.35
Equity to Asset 0.09
OLBK's Equity to Asset is ranked lower than
61% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OLBK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
OLBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.2
Current: 0.09
0.07
0.2
Interest Coverage 3.26
OLBK's Interest Coverage is ranked higher than
68% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. OLBK: 3.26 )
Ranked among companies with meaningful Interest Coverage only.
OLBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 0.73 Max: 2.7
Current: 3.26
0.38
2.7
F-Score: 6
WACC vs ROIC
3.33%
5.51%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.67
OLBK's Operating margin (%) is ranked lower than
54% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. OLBK: 29.67 )
Ranked among companies with meaningful Operating margin (%) only.
OLBK' s Operating margin (%) Range Over the Past 10 Years
Min: 16.27  Med: 24.63 Max: 31.24
Current: 29.67
16.27
31.24
Net-margin (%) 19.60
OLBK's Net-margin (%) is ranked lower than
60% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. OLBK: 19.60 )
Ranked among companies with meaningful Net-margin (%) only.
OLBK' s Net-margin (%) Range Over the Past 10 Years
Min: 10.08  Med: 16.74 Max: 20.72
Current: 19.6
10.08
20.72
ROE (%) 7.60
OLBK's ROE (%) is ranked lower than
54% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. OLBK: 7.60 )
Ranked among companies with meaningful ROE (%) only.
OLBK' s ROE (%) Range Over the Past 10 Years
Min: 3.99  Med: 4.73 Max: 10.54
Current: 7.6
3.99
10.54
ROA (%) 0.79
OLBK's ROA (%) is ranked lower than
55% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. OLBK: 0.79 )
Ranked among companies with meaningful ROA (%) only.
OLBK' s ROA (%) Range Over the Past 10 Years
Min: 0.4  Med: 0.73 Max: 0.9
Current: 0.79
0.4
0.9
Revenue Growth (3Y)(%) -2.70
OLBK's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OLBK: -2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OLBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 11.70 Max: 73.7
Current: -2.7
0
73.7
EBITDA Growth (3Y)(%) -3.70
OLBK's EBITDA Growth (3Y)(%) is ranked lower than
72% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. OLBK: -3.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OLBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 7.65 Max: 22.6
Current: -3.7
0
22.6
EPS Growth (3Y)(%) -8.80
OLBK's EPS Growth (3Y)(%) is ranked lower than
76% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. OLBK: -8.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OLBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.8  Med: 8.20 Max: 39.6
Current: -8.8
-8.8
39.6
» OLBK's 10-Y Financials

Financials


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

» Details

Guru Trades

OLBK Guru Trades in

Q2 2015

OLBK Guru Trades in Q2 2015

Jim Simons 15,781 sh (New)
» More
Q3 2015

OLBK Guru Trades in Q3 2015

Jim Simons Sold Out
» More
Q4 2015

OLBK Guru Trades in Q4 2015

Jim Simons 21,998 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with OLBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.00
OLBK's P/E(ttm) is ranked lower than
82% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. OLBK: 19.00 )
Ranked among companies with meaningful P/E(ttm) only.
OLBK' s P/E(ttm) Range Over the Past 10 Years
Min: 9.03  Med: 18.86 Max: 30.79
Current: 19
9.03
30.79
Forward P/E 13.70
OLBK's Forward P/E is ranked lower than
86% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. OLBK: 13.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.00
OLBK's PE(NRI) is ranked lower than
79% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. OLBK: 19.00 )
Ranked among companies with meaningful PE(NRI) only.
OLBK' s PE(NRI) Range Over the Past 10 Years
Min: 9.03  Med: 18.86 Max: 30.79
Current: 19
9.03
30.79
P/B 1.32
OLBK's P/B is ranked lower than
75% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. OLBK: 1.32 )
Ranked among companies with meaningful P/B only.
OLBK' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 1.11 Max: 1.72
Current: 1.32
0.5
1.72
P/S 3.75
OLBK's P/S is ranked lower than
76% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. OLBK: 3.75 )
Ranked among companies with meaningful P/S only.
OLBK' s P/S Range Over the Past 10 Years
Min: 1.51  Med: 2.86 Max: 7.6
Current: 3.75
1.51
7.6
PFCF 12.47
OLBK's PFCF is ranked lower than
70% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. OLBK: 12.47 )
Ranked among companies with meaningful PFCF only.
OLBK' s PFCF Range Over the Past 10 Years
Min: 4.45  Med: 15.27 Max: 86.18
Current: 12.47
4.45
86.18
POCF 11.19
OLBK's POCF is ranked lower than
72% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. OLBK: 11.19 )
Ranked among companies with meaningful POCF only.
OLBK' s POCF Range Over the Past 10 Years
Min: 3.6  Med: 12.70 Max: 26.33
Current: 11.19
3.6
26.33
EV-to-EBIT 16.22
OLBK's EV-to-EBIT is ranked lower than
64% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. OLBK: 16.22 )
Ranked among companies with meaningful EV-to-EBIT only.
OLBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.2  Med: 16.80 Max: 45.2
Current: 16.22
7.2
45.2
EV-to-EBITDA 13.41
OLBK's EV-to-EBITDA is ranked lower than
60% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. OLBK: 13.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
OLBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.3  Med: 13.75 Max: 41.5
Current: 13.41
6.3
41.5
PEG 2.12
OLBK's PEG is ranked lower than
77% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OLBK: 2.12 )
Ranked among companies with meaningful PEG only.
OLBK' s PEG Range Over the Past 10 Years
Min: 0.52  Med: 1.39 Max: 2.07
Current: 2.12
0.52
2.07
Shiller P/E 26.68
OLBK's Shiller P/E is ranked lower than
84% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. OLBK: 26.68 )
Ranked among companies with meaningful Shiller P/E only.
OLBK' s Shiller P/E Range Over the Past 10 Years
Min: 20.5  Med: 24.43 Max: 29.58
Current: 26.68
20.5
29.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.18
OLBK's Dividend Yield is ranked lower than
86% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. OLBK: 1.18 )
Ranked among companies with meaningful Dividend Yield only.
OLBK' s Dividend Yield Range Over the Past 10 Years
Min: 0.83  Med: 1.28 Max: 2.61
Current: 1.18
0.83
2.61
Dividend Payout 0.21
OLBK's Dividend Payout is ranked higher than
73% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. OLBK: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
OLBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.25 Max: 0.75
Current: 0.21
0.09
0.75
Dividend Growth (3y) 11.50
OLBK's Dividend Growth (3y) is ranked higher than
67% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. OLBK: 11.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OLBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 6.30 Max: 21.3
Current: 11.5
0
21.3
Forward Dividend Yield 1.35
OLBK's Forward Dividend Yield is ranked lower than
87% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. OLBK: 1.35 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.84
OLBK's Yield on cost (5-Year) is ranked lower than
75% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. OLBK: 1.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OLBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.29  Med: 2.00 Max: 4.07
Current: 1.84
1.29
4.07
3-Year Average Share Buyback Ratio -20.50
OLBK's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. OLBK: -20.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OLBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36.3  Med: -21.20 Max: 3.2
Current: -20.5
-36.3
3.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
OLBK's Price/Tangible Book is ranked lower than
73% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. OLBK: 1.47 )
Ranked among companies with meaningful Price/Tangible Book only.
OLBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 1.26 Max: 1.6
Current: 1.47
0.64
1.6
Price/Projected FCF 0.93
OLBK's Price/Projected FCF is ranked lower than
75% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. OLBK: 0.93 )
Ranked among companies with meaningful Price/Projected FCF only.
OLBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.51  Med: 0.86 Max: 1.68
Current: 0.93
0.51
1.68
Price/DCF (Earnings Based) 1.27
OLBK's Price/DCF (Earnings Based) is ranked lower than
82% of the 142 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. OLBK: 1.27 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.31
OLBK's Price/Median PS Value is ranked lower than
85% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. OLBK: 1.31 )
Ranked among companies with meaningful Price/Median PS Value only.
OLBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.10 Max: 4.13
Current: 1.31
0.52
4.13
Price/Peter Lynch Fair Value 1.81
OLBK's Price/Peter Lynch Fair Value is ranked lower than
89% of the 634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. OLBK: 1.81 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
OLBK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.56  Med: 1.33 Max: 2.06
Current: 1.81
0.56
2.06
Price/Graham Number 1.09
OLBK's Price/Graham Number is ranked lower than
78% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. OLBK: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
OLBK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.61  Med: 1.02 Max: 1.55
Current: 1.09
0.61
1.55
Earnings Yield (Greenblatt) (%) 6.16
OLBK's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OLBK: 6.16 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OLBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.2  Med: 5.95 Max: 13.8
Current: 6.16
2.2
13.8
Forward Rate of Return (Yacktman) (%) 17.52
OLBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. OLBK: 17.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OLBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 9.3  Med: 17.40 Max: 23.6
Current: 17.52
9.3
23.6

More Statistics

Revenue(Mil) $53
EPS $ 0.97
Beta0.16
Short Percentage of Float0.08%
52-Week Range $14.31 - 18.33
Shares Outstanding(Mil)10.53

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.17 1.30
EPS without NRI($) 1.17 1.30

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. 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 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. 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. It offers deposit products that include demand, NOW, money market and savings accounts as well as certificates of deposit. It competes with other commercial banks, savings associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions op
» More Articles for OLBK

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: Micron Technology Inc, Old Line Bancshares Inc, and Comverse Inc. Jul 13 2015 
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 

More From Other Websites
Michael Dunn and Darren Basore Join Old Line Bank’s Mortgage and Commercial Divisions Feb 12 2016
OLD LINE BANCSHARES INC Files SEC form 8-K/A, Other Events, Financial Statements and Exhibits Feb 12 2016
Coverage initiated on Old Line Bancshares by Keefe Bruyette Feb 10 2016
Old Line Bancshares, Inc. Earnings Analysis: Q4, 2015 By the Numbers Jan 29 2016
OLD LINE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 28 2016
Old Line Bancshares, Inc. Reports an Increase in Asset to $1.5 Billion and an Earnings Increase of... Jan 27 2016
Old Line Bancshares, Inc. Increases Quarterly Cash Dividend Twenty Percent Dec 14 2015
Old Line Bancshares Completes Acquisition of Regal Bancorp, Inc.; Combined Total Assets Exceed $1.4... Dec 14 2015
OLD LINE BANCSHARES INC Financials Dec 08 2015
Old Line's final price for Regal Bancorp: $7M Dec 07 2015
OLD LINE BANCSHARES INC Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Dec 07 2015
Old Line Bancshares Completes Acquisition of Regal Bancorp, Inc.; Combined Total Assets Exceed $1.4... Dec 04 2015
OLD LINE BANCSHARES INC Files SEC form 8-K, Regulation FD Disclosure Nov 25 2015
Old Line Bancshares, Inc. Increases Quarterly Cash Dividend Twenty Percent Nov 25 2015
OLD LINE BANCSHARES INC Files SEC form 10-Q, Quarterly Report Nov 04 2015
OLD LINE BANCSHARES INC Files SEC form 8-K, Other Events Nov 03 2015
Old Line Bancshares (OLBK) Enters Overbought Territory Oct 20 2015
OLD LINE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 15 2015
Old Line Bancshares tops Street 3Q forecasts Oct 15 2015
Old Line Bancshares tops Street 3Q forecasts Oct 15 2015

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