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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 0.97
HBMD's Cash-to-Debt is ranked lower than
64% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. HBMD: 0.97 )
Ranked among companies with meaningful Cash-to-Debt only.
HBMD' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.58 Max: N/A
Current: 0.97
Equity-to-Asset 0.12
HBMD's Equity-to-Asset is ranked higher than
66% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBMD: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
HBMD' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.13
Current: 0.12
0.08
0.13
Interest Coverage 1.98
HBMD's Interest Coverage is ranked higher than
55% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. HBMD: 1.98 )
Ranked among companies with meaningful Interest Coverage only.
HBMD' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 1.3 Max: 7.19
Current: 1.98
0.12
7.19
Beneish M-Score: -2.21
WACC vs ROIC
1.57%
4.03%
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 : 5/10

vs
industry
vs
history
Operating Margin % 18.38
HBMD's Operating Margin % is ranked lower than
79% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. HBMD: 18.38 )
Ranked among companies with meaningful Operating Margin % only.
HBMD' s Operating Margin % Range Over the Past 10 Years
Min: -36.99  Med: 15.65 Max: 39.05
Current: 18.38
-36.99
39.05
Net Margin % 11.66
HBMD's Net Margin % is ranked lower than
82% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. HBMD: 11.66 )
Ranked among companies with meaningful Net Margin % only.
HBMD' s Net Margin % Range Over the Past 10 Years
Min: -23.17  Med: 10.45 Max: 24.18
Current: 11.66
-23.17
24.18
ROE % 6.12
HBMD's ROE % is ranked lower than
69% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. HBMD: 6.12 )
Ranked among companies with meaningful ROE % only.
HBMD' s ROE % Range Over the Past 10 Years
Min: -9.24  Med: 2.62 Max: 19
Current: 6.12
-9.24
19
ROA % 0.58
HBMD's ROA % is ranked lower than
71% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. HBMD: 0.58 )
Ranked among companies with meaningful ROA % only.
HBMD' s ROA % Range Over the Past 10 Years
Min: -0.85  Med: 0.44 Max: 1.75
Current: 0.58
-0.85
1.75
3-Year Revenue Growth Rate 18.50
HBMD's 3-Year Revenue Growth Rate is ranked higher than
90% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. HBMD: 18.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HBMD' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.9  Med: 20.4 Max: 36.4
Current: 18.5
-2.9
36.4
3-Year EBITDA Growth Rate 18.10
HBMD's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HBMD: 18.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HBMD' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.9  Med: 32.45 Max: 76.1
Current: 18.1
-16.9
76.1
3-Year EPS without NRI Growth Rate 18.40
HBMD's 3-Year EPS without NRI Growth Rate is ranked higher than
76% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HBMD: 18.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HBMD' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -25.2  Med: 24.1 Max: 92.1
Current: 18.4
-25.2
92.1
GuruFocus has detected 5 Warning Signs with Howard Bancorp Inc $HBMD.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HBMD's 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:INBK, OTCBB:CZFS, NAS:ACNB, NAS:BOCH, NAS:ORRF, NAS:CUBN, NAS:CFCB, AMEX:EVBN, NAS:TCFC, NAS:CFNB, NYSE:MSL, NAS:OSHC, NAS:FFNW, NAS:UNTY, NAS:CHMG, NAS:ESXB, NAS:PWOD, NAS:SBCP, NAS:SMBK, NAS:BCBP » details
Headquarter Location:USA
Howard Bancorp Inc is a bank holding company. The Company, through its wholly-owned subsidiary, provides commercial banking, mortgage banking, and consumer finance through banking branches, the internet and other distribution channels.

Howard Bancorp Inc was incorporated in April 2005 under the laws of the State of Maryland. The Company completed its IPO in July 2012. It is a bank holding company for Howard Bank. 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 mainly in the Greater Baltimore Metropolitan Area. The Bank engages in a general commercial banking business, making different types of loans and accepting deposits. The Bank markets its financial services to small to medium sized businesses and their owners, professionals and executives, and high-net-worth individuals. Its loans are mainly funded by core deposits of customers in its market. The Company has seven full services branches, four located throughout Howard County, one in Annapolis, one in Towson and one in Harford County.

Ratios

vs
industry
vs
history
PE Ratio 24.74
HBMD's PE Ratio is ranked lower than
83% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. HBMD: 24.74 )
Ranked among companies with meaningful PE Ratio only.
HBMD' s PE Ratio Range Over the Past 10 Years
Min: 4.4  Med: 21.67 Max: 59.09
Current: 24.74
4.4
59.09
PE Ratio without NRI 24.74
HBMD's PE Ratio without NRI is ranked lower than
83% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. HBMD: 24.74 )
Ranked among companies with meaningful PE Ratio without NRI only.
HBMD' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.4  Med: 21.67 Max: 59.09
Current: 24.74
4.4
59.09
Price-to-Owner-Earnings 27.54
HBMD's Price-to-Owner-Earnings is ranked lower than
85% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. HBMD: 27.54 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HBMD' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.23  Med: 19.82 Max: 89.95
Current: 27.54
2.23
89.95
PB Ratio 1.52
HBMD's PB Ratio is ranked lower than
67% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. HBMD: 1.52 )
Ranked among companies with meaningful PB Ratio only.
HBMD' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.08 Max: 1.55
Current: 1.52
0.5
1.55
PS Ratio 2.86
HBMD's PS Ratio is ranked higher than
62% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. HBMD: 2.86 )
Ranked among companies with meaningful PS Ratio only.
HBMD' s PS Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.77 Max: 5.77
Current: 2.86
0.87
5.77
Price-to-Free-Cash-Flow 15.66
HBMD's Price-to-Free-Cash-Flow is ranked lower than
65% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. HBMD: 15.66 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HBMD' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.73  Med: 5.39 Max: 61.24
Current: 15.66
1.73
61.24
Price-to-Operating-Cash-Flow 14.96
HBMD's Price-to-Operating-Cash-Flow is ranked lower than
70% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. HBMD: 14.96 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HBMD' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.59  Med: 4.95 Max: 68.31
Current: 14.96
1.59
68.31
EV-to-EBIT 20.70
HBMD's EV-to-EBIT is ranked lower than
72% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. HBMD: 20.70 )
Ranked among companies with meaningful EV-to-EBIT only.
HBMD' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.6  Med: 21.45 Max: 81.9
Current: 20.7
5.6
81.9
EV-to-EBITDA 17.24
HBMD's EV-to-EBITDA is ranked lower than
69% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. HBMD: 17.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
HBMD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 17.55 Max: 48.3
Current: 17.24
5.3
48.3
PEG Ratio 6.26
HBMD's PEG Ratio is ranked lower than
90% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. HBMD: 6.26 )
Ranked among companies with meaningful PEG Ratio only.
HBMD' s PEG Ratio Range Over the Past 10 Years
Min: 1.65  Med: 2.52 Max: 6.26
Current: 6.26
1.65
6.26

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -19.50
HBMD's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. HBMD: -19.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HBMD' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -19.9  Med: -15.4 Max: -0.1
Current: -19.5
-19.9
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
HBMD's Price-to-Tangible-Book is ranked lower than
61% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. HBMD: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HBMD' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.5  Med: 1.08 Max: 1.58
Current: 1.55
0.5
1.58
Price-to-Intrinsic-Value-Projected-FCF 2.61
HBMD's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
95% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. HBMD: 2.61 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HBMD' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.35  Med: 3.06 Max: 18.57
Current: 2.61
0.35
18.57
Price-to-Median-PS-Value 1.62
HBMD's Price-to-Median-PS-Value is ranked lower than
83% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. HBMD: 1.62 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HBMD' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.5  Med: 0.98 Max: 3.26
Current: 1.62
0.5
3.26
Price-to-Peter-Lynch-Fair-Value 2.65
HBMD's Price-to-Peter-Lynch-Fair-Value is ranked lower than
84% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HBMD: 2.65 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HBMD' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.7  Med: 2.36 Max: 2.95
Current: 2.65
1.7
2.95
Price-to-Graham-Number 1.30
HBMD's Price-to-Graham-Number is ranked lower than
74% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. HBMD: 1.30 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HBMD' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 1 Max: 1.72
Current: 1.3
0.46
1.72
Earnings Yield (Greenblatt) % 4.84
HBMD's Earnings Yield (Greenblatt) % is ranked lower than
55% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. HBMD: 4.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HBMD' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.2  Med: 4.7 Max: 18
Current: 4.84
1.2
18
Forward Rate of Return (Yacktman) % 1.12
HBMD's Forward Rate of Return (Yacktman) % is ranked lower than
78% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. HBMD: 1.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HBMD' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -4.5  Med: 1.7 Max: 17.4
Current: 1.12
-4.5
17.4

More Statistics

Revenue (TTM) (Mil) $50.68
EPS (TTM) $ 0.79
Beta-0.18
Short Percentage of Float0.03%
52-Week Range $12.24 - 20.70
Shares Outstanding (Mil)9.77
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