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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.20
OLBK's Cash to Debt is ranked lower than
81% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. OLBK: 0.20 )
Ranked among companies with meaningful Cash to Debt only.
OLBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.51 Max: N/A
Current: 0.2
Equity to Asset 0.09
OLBK's Equity to Asset is ranked lower than
52% of the 1602 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 2.73
OLBK's Interest Coverage is ranked higher than
65% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. OLBK: 2.73 )
Ranked among companies with meaningful Interest Coverage only.
OLBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 1.01 Max: 3.26
Current: 2.73
0.38
3.26
F-Score: 5
M-Score: -2.77
WACC vs ROIC
2.84%
4.67%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 27.57
OLBK's Operating margin (%) is ranked lower than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. OLBK: 27.57 )
Ranked among companies with meaningful Operating margin (%) only.
OLBK' s Operating margin (%) Range Over the Past 10 Years
Min: 16.27  Med: 24.53 Max: 29.66
Current: 27.57
16.27
29.66
Net-margin (%) 18.04
OLBK's Net-margin (%) is ranked lower than
65% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. OLBK: 18.04 )
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: 20.36
Current: 18.04
10.08
20.36
ROE (%) 7.30
OLBK's ROE (%) is ranked lower than
59% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. OLBK: 7.30 )
Ranked among companies with meaningful ROE (%) only.
OLBK' s ROE (%) Range Over the Past 10 Years
Min: 3.99  Med: 5.03 Max: 10.54
Current: 7.3
3.99
10.54
ROA (%) 0.72
OLBK's ROA (%) is ranked lower than
61% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OLBK: 0.72 )
Ranked among companies with meaningful ROA (%) only.
OLBK' s ROA (%) Range Over the Past 10 Years
Min: 0.4  Med: 0.72 Max: 0.9
Current: 0.72
0.4
0.9
Revenue Growth (3Y)(%) -2.90
OLBK's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. OLBK: -2.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OLBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.5  Med: 9.90 Max: 73
Current: -2.9
-6.5
73
EBITDA Growth (3Y)(%) -0.90
OLBK's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. OLBK: -0.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OLBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.8  Med: 6.20 Max: 21.7
Current: -0.9
-5.8
21.7
EPS Growth (3Y)(%) -3.80
OLBK's EPS Growth (3Y)(%) is ranked lower than
77% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. OLBK: -3.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OLBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.9  Med: 5.15 Max: 39.7
Current: -3.8
-8.9
39.7
» OLBK's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-15)


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

» Details

Guru Trades

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
Q1 2016

OLBK Guru Trades in Q1 2016

Jim Simons 36,199 sh (+64.56%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:YCB, NAS:AVNU, NAS:PWOD, NAS:CHFN, NAS:MBRG, NAS:SMMF, NAS:CBNJ, NAS:NRIM, NAS:BLMT, NAS:FBIZ, NAS:MFSF, NAS:OSBC, NAS:FMBH, NAS:MBTF, OTCPK:ISBA, OTCPK:CATC, NAS:MNRK, NAS:FFNW, NAS:FFKT, NAS:EQBK » details
Old Line Bancshares Inc is the holding company for Old Line Bank. The Company is engaged in general commercial banking business, making different types of loans and accepting deposits.

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 o

Ratios

vs
industry
vs
history
P/E(ttm) 20.31
OLBK's P/E(ttm) is ranked lower than
80% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. OLBK: 20.31 )
Ranked among companies with meaningful P/E(ttm) only.
OLBK' s P/E(ttm) Range Over the Past 10 Years
Min: 9.03  Med: 18.69 Max: 30.79
Current: 20.31
9.03
30.79
Forward P/E 16.61
OLBK's Forward P/E is ranked lower than
82% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. OLBK: 16.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.31
OLBK's PE(NRI) is ranked lower than
80% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. OLBK: 20.31 )
Ranked among companies with meaningful PE(NRI) only.
OLBK' s PE(NRI) Range Over the Past 10 Years
Min: 9.03  Med: 18.69 Max: 30.79
Current: 20.31
9.03
30.79
Price/Owner Earnings (ttm) 12.26
OLBK's Price/Owner Earnings (ttm) is ranked higher than
53% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. OLBK: 12.26 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OLBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.64  Med: 13.08 Max: 142.69
Current: 12.26
4.64
142.69
P/B 1.40
OLBK's P/B is ranked lower than
73% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. OLBK: 1.40 )
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: 1.6
Current: 1.4
0.5
1.6
P/S 3.79
OLBK's P/S is ranked lower than
66% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. OLBK: 3.79 )
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: 3.79
1.51
7.6
PFCF 9.47
OLBK's PFCF is ranked higher than
55% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. OLBK: 9.47 )
Ranked among companies with meaningful PFCF only.
OLBK' s PFCF Range Over the Past 10 Years
Min: 4.43  Med: 14.82 Max: 930
Current: 9.47
4.43
930
POCF 8.43
OLBK's POCF is ranked higher than
53% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. OLBK: 8.43 )
Ranked among companies with meaningful POCF only.
OLBK' s POCF Range Over the Past 10 Years
Min: 3.6  Med: 12.18 Max: 26.19
Current: 8.43
3.6
26.19
EV-to-EBIT 20.11
OLBK's EV-to-EBIT is ranked lower than
73% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. OLBK: 20.11 )
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: 20.11
7.2
45.2
EV-to-EBITDA 16.56
OLBK's EV-to-EBITDA is ranked lower than
68% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. OLBK: 16.56 )
Ranked among companies with meaningful EV-to-EBITDA only.
OLBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.3  Med: 13.85 Max: 41.5
Current: 16.56
6.3
41.5
PEG 2.36
OLBK's PEG is ranked lower than
75% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. OLBK: 2.36 )
Ranked among companies with meaningful PEG only.
OLBK' s PEG Range Over the Past 10 Years
Min: 0.51  Med: 1.54 Max: 2.82
Current: 2.36
0.51
2.82
Shiller P/E 27.86
OLBK's Shiller P/E is ranked lower than
80% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. OLBK: 27.86 )
Ranked among companies with meaningful Shiller P/E only.
OLBK' s Shiller P/E Range Over the Past 10 Years
Min: 21.52  Med: 24.54 Max: 29.58
Current: 27.86
21.52
29.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.19
OLBK's Dividend Yield is ranked lower than
86% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. OLBK: 1.19 )
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: 1.19
0.83
2.61
Dividend Payout 0.24
OLBK's Dividend Payout is ranked higher than
69% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OLBK: 0.24 )
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: 0.24
0.09
0.75
Dividend Growth (3y) 9.50
OLBK's Dividend Growth (3y) is ranked higher than
53% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. OLBK: 9.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OLBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 7.90 Max: 21.3
Current: 9.5
0
21.3
Forward Dividend Yield 1.26
OLBK's Forward Dividend Yield is ranked lower than
88% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. OLBK: 1.26 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.04
OLBK's Yield on cost (5-Year) is ranked lower than
72% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. OLBK: 2.04 )
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: 1.42  Med: 2.20 Max: 4.48
Current: 2.04
1.42
4.48
3-Year Average Share Buyback Ratio -16.40
OLBK's 3-Year Average Share Buyback Ratio is ranked lower than
84% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. OLBK: -16.40 )
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: -60.4  Med: -20.05 Max: 3.2
Current: -16.4
-60.4
3.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
OLBK's Price/Tangible Book is ranked lower than
71% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. OLBK: 1.54 )
Ranked among companies with meaningful Price/Tangible Book only.
OLBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 1.30 Max: 1.6
Current: 1.54
0.64
1.6
Price/Projected FCF 0.94
OLBK's Price/Projected FCF is ranked lower than
72% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. OLBK: 0.94 )
Ranked among companies with meaningful Price/Projected FCF only.
OLBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.86 Max: 1.7
Current: 0.94
0.52
1.7
Price/DCF (Earnings Based) 1.31
OLBK's Price/DCF (Earnings Based) is ranked lower than
84% of the 113 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.73 vs. OLBK: 1.31 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.33
OLBK's Price/Median PS Value is ranked lower than
81% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. OLBK: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
OLBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.54  Med: 1.07 Max: 2.55
Current: 1.33
0.54
2.55
Price/Peter Lynch Fair Value 2.76
OLBK's Price/Peter Lynch Fair Value is ranked lower than
96% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. OLBK: 2.76 )
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: 0.55  Med: 1.56 Max: 2.58
Current: 2.76
0.55
2.58
Price/Graham Number 1.18
OLBK's Price/Graham Number is ranked lower than
76% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OLBK: 1.18 )
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: 1.18
0.61
1.55
Earnings Yield (Greenblatt) (%) 4.97
OLBK's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OLBK: 4.97 )
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: 4.97
2.2
13.8
Forward Rate of Return (Yacktman) (%) 14.52
OLBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
54% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. OLBK: 14.52 )
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: 8.5  Med: 17.65 Max: 23.6
Current: 14.52
8.5
23.6

More Statistics

Revenue (TTM) (Mil) $57.64
EPS (TTM) $ 0.95
Beta0.12
Short Percentage of Float2.35%
52-Week Range $15.26 - 19.64
Shares Outstanding (Mil)10.80

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.15 1.45
EPS w/o NRI ($) 1.15 1.45
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.24 0.24
» More Articles for OLBK

Headlines

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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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