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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 0.49
OLBK's Cash to Debt is ranked lower than
69% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. OLBK: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
OLBK' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.46 Max: N/A
Current: 0.49
Equity to Asset 0.11
OLBK's Equity to Asset is ranked higher than
57% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OLBK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
OLBK' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.2
Current: 0.11
0.07
0.2
Interest Coverage 2.51
OLBK's Interest Coverage is ranked higher than
62% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. OLBK: 2.51 )
Ranked among companies with meaningful Interest Coverage only.
OLBK' s 10-Year Interest Coverage Range
Min: 0.34  Med: 0.73 Max: 2.7
Current: 2.51
0.34
2.7
F-Score: 4
WACC vs ROIC
3.03%
5.35%
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 (%) 23.01
OLBK's Operating margin (%) is ranked lower than
66% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. OLBK: 23.01 )
Ranked among companies with meaningful Operating margin (%) only.
OLBK' s 10-Year Operating margin (%) Range
Min: 16.27  Med: 24.53 Max: 31.24
Current: 23.01
16.27
31.24
Net-margin (%) 16.36
OLBK's Net-margin (%) is ranked lower than
68% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. OLBK: 16.36 )
Ranked among companies with meaningful Net-margin (%) only.
OLBK' s 10-Year Net-margin (%) Range
Min: 10.08  Med: 16.72 Max: 20.72
Current: 16.36
10.08
20.72
ROE (%) 6.03
OLBK's ROE (%) is ranked lower than
65% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. OLBK: 6.03 )
Ranked among companies with meaningful ROE (%) only.
OLBK' s 10-Year ROE (%) Range
Min: 3.99  Med: 5.08 Max: 10.54
Current: 6.03
3.99
10.54
ROA (%) 0.66
OLBK's ROA (%) is ranked lower than
62% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OLBK: 0.66 )
Ranked among companies with meaningful ROA (%) only.
OLBK' s 10-Year ROA (%) Range
Min: 0.4  Med: 0.68 Max: 0.9
Current: 0.66
0.4
0.9
Revenue Growth (3Y)(%) -3.20
OLBK's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. OLBK: -3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OLBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.00 Max: 21.6
Current: -3.2
0
21.6
EBITDA Growth (3Y)(%) -6.00
OLBK's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. OLBK: -6.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OLBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 6.20 Max: 22.6
Current: -6
0
22.6
EPS Growth (3Y)(%) -8.90
OLBK's EPS Growth (3Y)(%) is ranked lower than
81% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. OLBK: -8.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OLBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.9  Med: 8.20 Max: 39.7
Current: -8.9
-8.9
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) 21.51
OLBK's P/E(ttm) is ranked lower than
78% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. OLBK: 21.51 )
Ranked among companies with meaningful P/E(ttm) only.
OLBK' s 10-Year P/E(ttm) Range
Min: 9.12  Med: 19.86 Max: 31.62
Current: 21.51
9.12
31.62
Forward P/E 14.33
OLBK's Forward P/E is ranked lower than
72% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. OLBK: 14.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.80
OLBK's PE(NRI) is ranked lower than
78% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. OLBK: 21.80 )
Ranked among companies with meaningful PE(NRI) only.
OLBK' s 10-Year PE(NRI) Range
Min: 9.11  Med: 19.84 Max: 31.53
Current: 21.8
9.11
31.53
P/B 1.24
OLBK's P/B is ranked lower than
63% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OLBK: 1.24 )
Ranked among companies with meaningful P/B only.
OLBK' s 10-Year P/B Range
Min: 0.5  Med: 1.11 Max: 1.65
Current: 1.24
0.5
1.65
P/S 3.50
OLBK's P/S is ranked lower than
61% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. OLBK: 3.50 )
Ranked among companies with meaningful P/S only.
OLBK' s 10-Year P/S Range
Min: 1.51  Med: 2.93 Max: 7.98
Current: 3.5
1.51
7.98
PFCF 27.17
OLBK's PFCF is ranked lower than
84% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. OLBK: 27.17 )
Ranked among companies with meaningful PFCF only.
OLBK' s 10-Year PFCF Range
Min: 4.37  Med: 20.24 Max: 183.33
Current: 27.17
4.37
183.33
POCF 22.18
OLBK's POCF is ranked lower than
85% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. OLBK: 22.18 )
Ranked among companies with meaningful POCF only.
OLBK' s 10-Year POCF Range
Min: 3.54  Med: 15.35 Max: 31.25
Current: 22.18
3.54
31.25
EV-to-EBIT 18.25
OLBK's EV-to-EBIT is ranked lower than
66% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. OLBK: 18.25 )
Ranked among companies with meaningful EV-to-EBIT only.
OLBK' s 10-Year EV-to-EBIT Range
Min: 7.4  Med: 20.40 Max: 45.2
Current: 18.25
7.4
45.2
PEG 2.60
OLBK's PEG is ranked lower than
79% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OLBK: 2.60 )
Ranked among companies with meaningful PEG only.
OLBK' s 10-Year PEG Range
Min: 0.5  Med: 1.31 Max: 2.4
Current: 2.6
0.5
2.4
Shiller P/E 21.03
OLBK's Shiller P/E is ranked lower than
67% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. OLBK: 21.03 )
Ranked among companies with meaningful Shiller P/E only.
OLBK' s 10-Year Shiller P/E Range
Min: 11.22  Med: 19.15 Max: 25.72
Current: 21.03
11.22
25.72
Days Sales Outstanding 33.27
OLBK's Days Sales Outstanding is ranked higher than
51% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. OLBK: 33.27 )
Ranked among companies with meaningful Days Sales Outstanding only.
OLBK' s 10-Year Days Sales Outstanding Range
Min: 24.64  Med: 31.12 Max: 62.95
Current: 33.27
24.64
62.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.27
OLBK's Dividend Yield is ranked lower than
81% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. OLBK: 1.27 )
Ranked among companies with meaningful Dividend Yield only.
OLBK' s 10-Year Dividend Yield Range
Min: 0.75  Med: 1.28 Max: 2.61
Current: 1.27
0.75
2.61
Dividend Payout 0.26
OLBK's Dividend Payout is ranked higher than
63% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OLBK: 0.26 )
Ranked among companies with meaningful Dividend Payout only.
OLBK' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.25 Max: 0.66
Current: 0.26
0.1
0.66
Dividend growth (3y) 11.50
OLBK's Dividend growth (3y) is ranked higher than
62% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. OLBK: 11.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
OLBK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 6.30 Max: 21.3
Current: 11.5
0
21.3
Yield on cost (5-Year) 1.98
OLBK's Yield on cost (5-Year) is ranked lower than
69% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. OLBK: 1.98 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OLBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.17  Med: 2.00 Max: 4.07
Current: 1.98
1.17
4.07
Share Buyback Rate -20.70
OLBK's Share Buyback Rate is ranked lower than
88% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OLBK: -20.70 )
Ranked among companies with meaningful Share Buyback Rate only.
OLBK' s 10-Year Share Buyback Rate Range
Min: 3.2  Med: -21.20 Max: -36.3
Current: -20.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.36
OLBK's Price/Tangible Book is ranked lower than
61% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. OLBK: 1.36 )
Ranked among companies with meaningful Price/Tangible Book only.
OLBK' s 10-Year Price/Tangible Book Range
Min: 0.64  Med: 1.19 Max: 1.6
Current: 1.36
0.64
1.6
Price/Projected FCF 0.96
OLBK's Price/Projected FCF is ranked lower than
73% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. OLBK: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
OLBK' s 10-Year Price/Projected FCF Range
Min: 0.51  Med: 0.86 Max: 1.06
Current: 0.96
0.51
1.06
Price/DCF (Earnings Based) 1.51
OLBK's Price/DCF (Earnings Based) is ranked lower than
89% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. OLBK: 1.51 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.19
OLBK's Price/Median PS Value is ranked lower than
65% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OLBK: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
OLBK' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.08 Max: 4.17
Current: 1.19
0.52
4.17
Price/Peter Lynch Fair Value 2.22
OLBK's Price/Peter Lynch Fair Value is ranked lower than
89% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. OLBK: 2.22 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
OLBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54  Med: 1.31 Max: 2.23
Current: 2.22
0.54
2.23
Price/Graham Number 1.13
OLBK's Price/Graham Number is ranked lower than
73% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. OLBK: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
OLBK' s 10-Year Price/Graham Number Range
Min: 0.53  Med: 1.10 Max: 2.06
Current: 1.13
0.53
2.06
Earnings Yield (Greenblatt) (%) 5.44
OLBK's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OLBK: 5.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OLBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.2  Med: 4.90 Max: 13.6
Current: 5.44
2.2
13.6
Forward Rate of Return (Yacktman) (%) 16.58
OLBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
57% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. OLBK: 16.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OLBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 10  Med: 16.90 Max: 24.2
Current: 16.58
10
24.2

Analyst Estimate

Dec15 Dec16
EPS($) 1.04 1.10
EPS without NRI($) 1.04 1.10

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 
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 misses Street 2Q forecasts Jul 16 2015
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OLD LINE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 15 2015
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OLD LINE BANCSHARES INC Files SEC form 8-K, Other Events Feb 26 2015
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OLD LINE BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 23 2015
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