NAS:HBMD (USA)

Howard Bancorp Inc

$ 13.85 -0.06 (-0.43%)
Volume: 5,843 Avg Vol (1m): 13,178
Market Cap $: 264.00 Mil Enterprise Value $: 225.45 Mil
P/E (TTM): 43.26 P/B: 0.88
Earnings Power Value 1.15
Net Current Asset Value 0
Tangible Book 11.74
Projected FCF 14.5
Median P/S Value 9.31
Graham Number 9.19
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.39
Cash-To-Debt ranked lower than
74.77% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
HBMD: 0.39
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.19, Med: 0.37, Max: 10000
Current: 0.39
0.19
10000
Equity-to-Asset 0.13
Equity-to-Asset ranked higher than
72.71% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
HBMD: 0.13
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.08, Med: 0.11, Max: 0.14
Current: 0.13
0.08
0.14
Debt-to-Equity 0.83
Debt-to-Equity ranked lower than
55.13% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
HBMD: 0.83
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.37, Med: 0.94, Max: 1.49
Current: 0.83
0.37
1.49
Debt-to-EBITDA 2.78
Debt-to-EBITDA ranked lower than
70.48% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
HBMD: 2.78
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 2.78
Current: 2.78
0
2.78
Beneish M-Score -1.62
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 5.27%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 6.78
Net Margin ranked lower than
94.51% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
HBMD: 6.78
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -23.17, Med: 10.44, Max: 23.55
Current: 6.78
-23.17
23.55
ROE % 2.08
ROE ranked lower than
93.96% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
HBMD: 2.08
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -9.24, Med: 2.62, Max: 19
Current: 2.08
-9.24
19
ROA % 0.28
ROA ranked lower than
93.98% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
HBMD: 0.28
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -0.85, Med: 0.44, Max: 1.75
Current: 0.28
-0.85
1.75
3-Year Total Revenue Growth Rate 26.20
3-Year Revenue Growth Rate ranked lower than
95.57% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
HBMD: -10.7
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -17.6, Med: 18.6, Max: 36.4
Current: -10.7
-17.6
36.4

» HBMD's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:SFST NAS:CSTR NAS:CVCY OTCPK:MCBS NAS:NKSH NAS:ACNB NAS:PDLB NAS:FNLC NAS:SMBK NAS:PCB OTCPK:ALRS OTCPK:FFMR NAS:WNEB NAS:ATLO NAS:MFSF NAS:BCML NAS:RBNC NAS:STXB OTCPK:CSHX NAS:PKBK
Traded in other countries
Address 3301 Boston Street, Baltimore, MD, USA, 21224
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-size businesses, professionals and high-net-worth individuals.

Ratios

Current vs industry vs history
PE Ratio (TTM) 43.26
PE Ratio ranked lower than
100.00% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
HBMD: 43.26
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 4.4, Med: 22.27, Max: 142.14
Current: 43.26
4.4
142.14
PE Ratio without NRI 43.26
PE without NRI ranked lower than
100.00% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
HBMD: 43.26
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 4.4, Med: 22.27, Max: 142.14
Current: 43.26
4.4
142.14
Price-to-Owner-Earnings 25.54
Price-to-Owner-Earnings ranked lower than
97.07% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
HBMD: 25.54
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 2.23, Med: 27.82, Max: 181.37
Current: 25.54
2.23
181.37
PB Ratio 0.88
PB Ratio ranked higher than
60.75% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
HBMD: 0.88
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.5, Med: 1.09, Max: 1.7
Current: 0.88
0.5
1.7
PS Ratio 2.94
PS Ratio ranked higher than
53.91% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
HBMD: 2.94
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.87, Med: 1.97, Max: 5.97
Current: 2.94
0.87
5.97
Price-to-Free-Cash-Flow 4.60
Price-to-Free-Cash-Flow ranked higher than
76.08% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
HBMD: 4.6
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.73, Med: 5.29, Max: 81.39
Current: 4.6
1.73
81.39
Price-to-Operating-Cash-Flow 4.47
Price-to-Operating-Cash-Flow ranked higher than
75.32% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
HBMD: 4.47
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.59, Med: 4.95, Max: 68.31
Current: 4.47
1.59
68.31
EV-to-Revenue 2.51
EV-to-Revenue ranked lower than
64.68% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
HBMD: 2.51
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 1.3, Med: 3.5, Max: 8.2
Current: 2.51
1.3
8.2

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -39.90
3-Year Share Buyback Rate ranked lower than
94.55% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
HBMD: -39.9
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -39.9, Med: -15.8, Max: -0.1
Current: -39.9
-39.9
-0.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.18
Price-to-Tangible-Book ranked lower than
56.86% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
HBMD: 1.18
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.5, Med: 1.16, Max: 1.82
Current: 1.18
0.5
1.82
Price-to-Projected-FCF 0.96
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
79.23% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
HBMD: 0.96
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.35, Med: 2.54, Max: 27.08
Current: 0.96
0.35
27.08
Price-to-Median-PS-Value 1.49
Price-to-Median-PS-Value ranked lower than
84.58% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
HBMD: 1.49
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.45, Med: 0.97, Max: 2.95
Current: 1.49
0.45
2.95
Price-to-Graham-Number 1.51
Price-to-Graham-Number ranked lower than
100.00% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
HBMD: 1.51
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.46, Med: 1.01, Max: 3.38
Current: 1.51
0.46
3.38

More Statistics

Revenue (TTM) (Mil) $ 89.98
EPS (TTM) $ 0.32
Beta 0.58
Volatility % 27.37
52-Week Range $ 12.6 - 19.65
Shares Outstanding (Mil) 19.06

Analyst Estimate

Piotroski F-Score Details