Howard Stock Buy Hold or Sell Recommendation

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Howard Bancorp MD is 'Strong Buy'. Macroaxis provides Howard Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding HBMD positions. The advice algorithm takes into account all of Howard Bancorp's available fundamental, technical, and predictive indicators you will find on this site.

Howard Advice 

 
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The advice is provided from Howard Bancorp's buy-and-hold perspective. Please check Howard Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. We conduct extensive research on individual companies such as Howard and provide practical buy, sell, or hold advice based on selected investing horizon and risk tolerance towards Howard Bancorp MD.

Execute Howard Bancorp Buy or Sell Advice

The Howard recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Howard Bancorp MD. Macroaxis does not own or have any residual interests in Howard Bancorp MD or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Howard Bancorp's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Howard BancorpBuy Howard Bancorp
Strong Buy

Volatility

Very steadyDetails

Hype Condition

Low keyDetails

Current Valuation

UndervaluedDetails

Odds of Distress

Below AverageDetails

Economic Sensitivity

Responds to the marketDetails

Analyst Consensus

BuyDetails

Financial Strenth (F Score)

PoorDetails

Financial Leverage

InapplicableDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon Howard Bancorp MD has a Risk Adjusted Performance of 0.0655, Jensen Alpha of 0.2234, Total Risk Alpha of 0.2722, Sortino Ratio of 0.0927 and Treynor Ratio of 0.0854
Our trade recommendations module complements current analysts and expert consensus on Howard Bancorp MD. It analyzes the firm potential to grow using all fundamental, technical, and market related data available at the time. To make sure Howard Bancorp MD is not overpriced, please check out all Howard Bancorp fundamentals, 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 market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your regular risk tolerance and investing horizon.

Howard Bancorp Trading Alerts and Improvement Suggestions

Howard Bancorp MD has a poor financial position based on the latest SEC disclosures
About 26.0% of the company shares are held by company insiders
Latest headline from MacroaxisInsider: Payment of 2529 shares by Howard Joseph F of Howard Bancorp subject to Rule 16b-3

Howard Bancorp current analysts advice

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Howard analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Howard analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Mean Price24.00
Target Median Price24.00
Target High Price28.00
Recommendation Mean2.30
Number Of Analyst Opinions2
Target Low Price20.00
Average Consensus Buy
The consensus estimates and target price estimation comprises individual analyst assessments, and may or may not mutch the Macroaxis buy or sell advice. It is determined by taking an average of all analyst recommendations and classifying them as Strong Buy, Buy, Hold, or Sell.

Howard Bancorp Returns Distribution Density

The distribution of Howard Bancorp's historical returns is an attempt to chart the future uncertainty of Howard Bancorp's future price movements. The chart of the probability distribution of Howard Bancorp stock daily returns describes the distribution of returns around its average expected value. We use Howard Bancorp MD price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Howard Bancorp returns is essential to provide solid investment advice for Howard Bancorp stock.
Mean Return0.14Value At Risk-2.64
Potential Upside3.60Standard Deviation1.98
 Return Density 
      Distribution 
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Howard Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Howard Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Howard Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Howard Bancorp MD backward and forwards among themselves. Howard Bancorp's institutional investor refers to the entity that pools money to purchase Howard Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Patriot Financial Partners Gp LpCommon Shares2.3 M46 M
Blackrock IncCommon Shares761.3 K15.4 M
Vanguard Group IncCommon Shares647.5 K13.1 M
Gardner Lewis Asset Management L PCommon Shares646.2 K13.1 M
Dimensional Fund Advisors LpCommon Shares457.7 K9.3 M
First Trust Capital Management LpCommon Shares419.8 K8.5 M
Citadel Advisors LlcCommon Shares290.2 K5.9 M
Note, although Howard Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Howard Bancorp Cash Flow Accounts

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 Bancorp Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Howard Bancorp or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Howard Bancorp stock's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Howard stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over DOW
0.22
β
Beta against DOW1.55
σ
Overall volatility
2.00
Ir
Information ratio 0.1

Howard Bancorp Volatility Alert

Howard Bancorp MD currently demonstrates below-average downside deviation. It has Information Ratio of 0.1 and Jensen Alpha of 0.22. However, we advise investors to further question Howard Bancorp MD expected returns to ensure all indicators are consistent with the current outlook about its relatively low value at risk. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Howard Bancorp's stock risk against market volatility during both bullying and bearish trends. The higher level of volatility that comes with bear markets can directly impact Howard Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

Howard Bancorp Implied Volatility

Howard Bancorp's implied volatility exposes the market's sentiment of Howard Bancorp MD stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Howard Bancorp's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Howard Bancorp stock will not fluctuate a lot when Howard Bancorp's options are near their expiration.

Howard Bancorp Fundamentals Vs Peers

Comparing Howard Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Howard Bancorp's direct or indirect competition across all of the common fundamentals between Howard Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as Howard Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Howard Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing Howard Bancorp by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Howard Bancorp to competition
FundamentalsHoward BancorpPeer Average
Return On Equity8.19 %(0.31) %
Return On Asset0.96 %(0.14) %
Profit Margin28.69 %(1.27) %
Operating Margin46.15 %(5.51) %
Current Valuation638.31 M16.62 B
Shares Outstanding18.81 M571.82 M
Shares Owned by Insiders25.76 %10.09 %
Shares Owned by Institutions50.94 %39.21 %
Number of Shares Shorted144.38 K4.71 M
Price to Earning18.05 X28.72 X
Price to Book1.42 X9.51 X
Price to Sales5.14 X11.42 X
Revenue85.35 M9.43 B
Gross Profit76.12 M27.38 B
EBITDA4.05 M3.9 B
Net Income24.49 M570.98 M
Cash and Equivalents64.28 M2.7 B
Cash per Share3.42 X5.01 X
Total Debt268.01 M5.32 B
Debt to Equity9.19 %48.70 %
Book Value Per Share16.38 X1.93 K
Cash Flow from Operations35.98 M971.22 M
Short Ratio2.57 X4.00 X
Earnings Per Share1.29 X3.12 X
Number of Employees23518.84 K
Beta0.91-0.15
Market Capitalization438.35 M19.03 B
Total Asset946.76 M29.47 B
Retained Earnings37.93 M9.33 B
Z Score0.68.72
   Payment of 2529 shares by Howard Joseph F of Howard Bancorp subject to Rule 16b-3 [view details]

Howard Bancorp Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Howard . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
Accumulation Distribution43027.82
Daily Balance Of Power(0.86)
Rate Of Daily Change0.98
Day Median Price23.52
Day Typical Price23.44
Price Action Indicator(0.46)

About Howard Bancorp Buy or Sell Advice

When is the right time to buy or sell Howard Bancorp MD? Buying financial instruments such as Howard Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the stock market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Although Howard Bancorp investors may find it confusing at the beginning, most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 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

Use Investing Ideas to Build Portfolios

In addition to having Howard Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Dynamically computed list of top equities currently sorted across major exchanges. Latest Gainers theme has 94 constituents.
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Please check Howard Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. 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 Analyst Recommendations module to analyst recommendations and target price estimates broken down by several categories.

Complementary Tools for Howard Stock analysis

When running Howard Bancorp MD price analysis, check to measure Howard Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Howard Bancorp is operating at the current time. Most of Howard Bancorp's value examination focuses on studying past and present price action to predict the probability of Howard Bancorp's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Howard Bancorp's price. Additionally, you may evaluate how the addition of Howard Bancorp to your portfolios can decrease your overall portfolio volatility.
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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.