Howard Stock Financials

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

Understanding current and past Howard Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Howard Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Howard Bancorp's assets may result in an increase in income on the income statement. Because of this, it is necessary to analyze all of Howard Bancorp's financials over time to get the whole picture.
Howard Bancorp Average Equity is projected to increase significantly based on the last few years of reporting. The past year's Average Equity was at 340.05 Million. The current year Free Cash Flow is expected to grow to about 74.8 M, whereas Revenue Per Employee is forecasted to decline to about 296.5 K.
Use fundamental data analysis to validate all available fundamentals of Howard Bancorp MD to find out if markets are presently mispricing the company. We have collected data for thirty-one available reported financial drivers for Howard Bancorp MD, which can be compared to its competitors. To make sure the equity is not overpriced, please check out all Howard Bancorp financials, including its total debt, number of employees, and the relationship between the net income and cash flow from operations . Given that Howard Bancorp MD has a shares owned by institutions of 50.94 %, we strongly advise you to confirm Howard Bancorp MD regular market performance to make sure the company can sustain itself down the road. Use Howard Bancorp to protect your portfolios against small market fluctuations. The stock experiences an unexpected downward movement. The market is reacting to new fundamentals. Check odds of Howard Bancorp to be traded at $22.37 in 90 days.

Howard Fundamentals 

 
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With this module, you can analyze Howard financials for your investing period. You should be able to track the changes in Howard Bancorp individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
The fundamental analysis of Howard Bancorp is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Howard Bancorp includes many different criteria found on its balance sheet. For example, investors should never minimize Howard Bancorp's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Howard Bancorp's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Howard Bancorp.

Howard Bancorp MD Cash

Chance Of Financial Distress
Less than 44
Howard Bancorp MD has less than 44 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Howard Bancorp stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Howard Bancorp's official financial statements usually reflect Howard Bancorp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Howard Bancorp MD. For example, before you start analyzing numbers published by Howard accountants, it's critical to develop an understanding of what Howard Bancorp's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Howard Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Howard Bancorp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Howard Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Howard Bancorp MD. Please utilize our Beneish M Score to check the likelihood of Howard Bancorp's management to manipulate its earnings.

Howard Bancorp Company Summary

Howard Bancorp competes with Bank First. Howard Bancorp, Inc. operates as the bank holding company for Howard Bank that provides commercial banking, mortgage banking, and consumer finance products and services to businesses, business owners, professionals, and other consumers. The company offers various consumer and business deposit products, including demand, money market, savings, individual retirement, and commercial and retail checking accounts, as well as certificates of deposit. It also provides commercial loans, such as lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans, as well as equipment lease services commercial mortgage loans for owner occupied and investment properties construction loans residential mortgage loans and secured and unsecured consumer loans. In addition, the company offers wire transfer services automated teller machines and check cards and safe deposit boxes, as well as credit cards through a third party processor. Further, it provides merchant card, overnight sweep, check positive pay, and remote deposit capture services and online and mobile banking services. As of December 31, 2020, the company operated through a network of 15 full service branches, as well as eight commercial lending offices located in Maryland. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0001390162
CUSIP442496105
RegionNorth America
LocationMaryland; U.S.A
Business Address3301 Boston Street,
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.howardbank.com
Phone410 750 0020
CurrencyUSD - US Dollar
You should never invest in Howard Bancorp without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Howard Stock, because this is throwing your money away. Analyzing the key information contained in Howard Bancorp's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Howard Bancorp Key Financial Ratios

Generally speaking, Howard Bancorp's financial ratios allow both analysts and investors to convert raw data from Howard Bancorp's financial statements into concise, actionable information that can be used to evaluate the performance of Howard Bancorp over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Howard Bancorp MD reports annually and quarterly.

Howard Bancorp Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt18.54 M142.08 M83.24 M42.07 M37.86 M36.48 M
Total Assets1.15 B2.27 B2.37 B2.54 B2.92 B3.15 B
Cash and Equivalents28.97 M101.5 M109.98 M74.62 M85.81 M75.68 M
Total Debt148.92 M276.65 M319.37 M242.07 M278.38 M227.84 M
Deposit Liabilities863.91 M1.69 B1.71 B1.98 B2.27 B2.45 B
Shareholders Equity132.25 M294.68 M314.15 M294.63 M338.83 M365.58 M
Investments1.06 B1.91 B2 B2.24 B2.58 B2.78 B
Total Liabilities1.02 B1.97 B2.06 B2.24 B2.58 B2.78 B

Howard Bancorp Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Howard Bancorp's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income7.2 M(3.83 M)16.88 M(16.99 M)(15.29 M)(15.69 M)
Gross Profit55.55 M78.39 M86.15 M76.12 M87.53 M73.1 M
Net Income7.2 M(3.83 M)16.88 M(16.99 M)(15.29 M)(15.69 M)
Operating Expenses45.2 M83.11 M64.08 M89.46 M102.88 M111 M
Operating Income10.35 M(4.72 M)22.07 M(13.35 M)(12.01 M)(12.33 M)
Revenues55.55 M78.39 M86.15 M76.12 M87.53 M73.1 M
Income Tax Expense3.15 M(897 K)5.19 M3.65 M4.19 M3.66 M

Howard Bancorp Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Howard Bancorp MD. It measures of how well Howard is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Howard Bancorp brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Howard had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Howard Bancorp has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(409 K)3.22 M663 K(410 K)(471.5 K)(508.72 K)
Depreciation Amortization and Accretion1.79 M5.04 M5.36 M5.15 M5.92 M6.39 M
Net Cash Flow or Change in Cash and Cash Equivalents(10.39 M)72.53 M8.48 M(35.36 M)(31.82 M)(32.66 M)
Issuance Purchase of Equity Shares38.7 M97 K74 K(6.37 M)(5.74 M)(5.89 M)
Issuance Repayment of Debt Securities21.34 M(57.29 M)42.55 M(77.49 M)(69.74 M)(71.58 M)
Net Cash Flow from Financing115.22 M49.03 M71.18 M177.18 M203.76 M219.85 M
Net Cash Flow from Investing(142.51 M)(31.31 M)(83.27 M)(273.21 M)(245.89 M)(252.36 M)
Net Cash Flow Investment Acquisitions and Disposals(135.84 M)(74.51 M)(86.17 M)(274.85 M)(247.36 M)(253.87 M)
Net Cash Flow from Operations16.9 M54.81 M20.56 M60.67 M69.77 M75.27 M
Share Based Compensation695 K873 K240 K805 K925.75 K998.84 K

Howard Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Howard Bancorp's current stock value. Our valuation model uses many indicators to compare Howard Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Howard Bancorp competition to find correlations between indicators driving Howard Bancorp's intrinsic value. More Info.
Howard Bancorp MD is rated # 2 in market capitalization category among related companies. It is rated # 2 in profit margin category among related companies . The ratio of Market Capitalization to Profit Margin for Howard Bancorp MD is about  15,278,843 . Howard Bancorp Market Capitalization is projected to increase significantly based on the last few years of reporting. The past year's Market Capitalization was at 254.55 Million. Comparative valuation analysis is a catch-all model that can be used if you cannot value Howard Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Howard Bancorp's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Howard Bancorp's earnings, one of the primary drivers of an investment's value.

Howard Bancorp MD Systematic Risk

Howard Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Howard Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Howard Bancorp MD correlated with the market. If Beta is less than 0 Howard Bancorp generally moves in the opposite direction as compared to the market. If Howard Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Howard Bancorp MD is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Howard Bancorp is generally in the same direction as the market. If Beta > 1 Howard Bancorp moves generally in the same direction as, but more than the movement of the benchmark. View also all equity analysis or get more info about beta statistic functions indicator.

About Howard Bancorp Financials

What exactly are Howard Bancorp Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Howard Bancorp's income statement, its balance sheet, and the statement of cash flows. Potential Howard Bancorp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Howard Bancorp investors may use each financial statement separately, they are all related. The changes in Howard Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Howard Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
 2019 2020 2021 2022 (projected)
Cash and Equivalents109.98 M74.62 M85.81 M75.68 M
Total Assets2.37 B2.54 B2.92 B3.15 B
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines that you should keep in mind when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase year after year due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt to equity ratio because this number will tell you how much risk it has. If a company such as Howard Bancorp is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to try and figure out if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that net revenue of Howard grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Howard Bancorp January 23, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Howard Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Howard Bancorp MD. We use our internally-developed statistical techniques to arrive at the intrinsic value of Howard Bancorp MD based on widely used predictive technical indicators. In general, we focus on analyzing Howard Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Howard Bancorp's daily price indicators and compare them against related drivers.
Downside Deviation2.06
Information Ratio0.0965
Maximum Drawdown10.07
Value At Risk(2.64)
Potential Upside3.6
Please check Risk vs Return Analysis. Note that the Howard Bancorp MD information on this page should be used as a complementary analysis to other Howard Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Commodity Channel Index module to use Commodity Channel Index to analyze current equity momentum.

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Is Howard Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Howard Bancorp. If investors know Howard will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Howard Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Howard Bancorp MD is measured differently than its book value, which is the value of Howard that is recorded on the company's balance sheet. Investors also form their own opinion of Howard Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Howard Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Howard Bancorp's market value can be influenced by many factors that don't directly affect Howard Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Howard Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine Howard Bancorp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Howard Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.