Howard Bancorp (Howard Bancorp) Debt-to-Equity : 0.78 (As of Sep. 2021)

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What is Howard Bancorp Debt-to-Equity?

Howard Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2021 was $0.00 Mil. Howard Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2021 was $240.74 Mil. Howard Bancorp's Total Stockholders Equity for the quarter that ended in Sep. 2021 was $308.18 Mil. Howard Bancorp's debt to equity for the quarter that ended in Sep. 2021 was 0.78.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Howard Bancorp's Debt-to-Equity or its related term are showing as below:

HBMD' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.37 Med: 0.94 Max: 1.49
Current: 0.78

During the past 13 years, the highest Debt-to-Equity Ratio of Howard Bancorp was 1.49. The lowest was 0.37. And the median was 0.94.

HBMD's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.67 vs HBMD: 0.78

Howard Bancorp Debt-to-Equity Historical Data

The historical data trend for Howard Bancorp's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Howard Bancorp Debt-to-Equity Chart

Howard Bancorp Annual Data

Trend

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Debt-to-Equity

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1.49

1.13

0.94

1.04

0.82

Howard Bancorp Quarterly Data
	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21
Debt-to-Equity	Get a 7-Day Free Trial															0.79	0.82	0.87	0.77	0.78

Competitive Comparison of Howard Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, Howard Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Howard Bancorp's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Howard Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Howard Bancorp's Debt-to-Equity falls into.

Howard Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Howard Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2020 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	242.704)	/	294.632
	=	0.82

Howard Bancorp's Debt to Equity Ratio for the quarter that ended in Sep. 2021 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	240.739)	/	308.177
	=	0.78

Howard Bancorp (NAS:HBMD) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Howard Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Howard Bancorp's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Howard Bancorp (Howard Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Howard Bancorp Inc (NAS:HBMD) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

3301 Boston Street, Baltimore, MD, USA, 21224

Website

http://www.howardbank.com

Howard Bancorp Inc is a diversified financial services company. The company segmented its operating activities into one reportable segment, Community Banking. It provides commercial banking, mortgage banking, and consumer finance through banking branches, the internet and other distribution channels to businesses, business owners, professionals and other consumers located primarily in the Greater Baltimore Metropolitan Area. The company's primary market focus is on making loans to and gathering deposits from small and medium-sized businesses, professionals and high-net-worth individuals.

Executives

Donna Hill Staton	director	3301 BOSTON STREET BALTIMORE MD 21224
Kunisch Robert D Jr.	director, officer: President	611 UNIVERSITY BOULEVARD SUITE 370 ELLICOTT CITY MD 21043
Jack E Steil	director	6011 UNIVERSITY BOULEVARD SUITE 370 ELLICOTT CITY MD 21043
Turner Frank K Jr	officer: EVP-Chief Commercial Banking
Charles E. Schwabe	officer: EVP-CRO	3301 BOSTON STREET BALTIMORE MD 21224
Mary Ann Scully	director, officer: Chairman/CEO	3301 BOSTON STREET, BALTIMORE MD 21224
Thomas Randy Jones	officer: EVP-CLO	3301 BOSTON STREET BALTIMORE MD 21224
Steven Poynot	officer: EVP-CIO	3301 BOSTON STREET BALTIMORE MD 21224
Carpenter Robert L Jr	officer: EVP/CFO	3301 BOSTON STREET BALTIMORE MD 21224
Smith Robert W. Jr.	director	6011 UNIVERSITY BLVD. SUITE 370 ELLICOTT CITY MD 21043
Kenneth C. Lundeen	director	3301 BOSTON STREET BALTIMORE MD 21224
John J. Keenan	director	3301 BOSTON STREET BALTIMORE MD 21224
Howard Feinglass	director	6011 UNIVERSITY BOULEVARD, SUITE 370, ELLICOTT CITY MD 21043
Dresher James T Jr.	director	6011 UNIVERSITY BOULEVARD SUITE 370 ELLICOTT CITY MD 21043
William Gary Dorsch	director	6011 UNIVERSITY BOULEVARD SUITE 370 ELLICOTT CITY MD 21043