Howard Total Debt

HBMD -  USA Stock  

USD 23.30  0.00  0.00%

Howard Bancorp fundamentals help investors to digest information that contributes to Howard Bancorp's financial success or failures. It also enables traders to predict the movement of Howard Stock. This fundamental analysis module provides a way for investors to measures Howard Bancorp's intrinsic value by examining all of its available economic and financial indicators and drivers, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Howard Bancorp stock. Please note, this module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools.
  
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As of May 19, 2022, Total Debt is expected to decline to about 227.8 M.

Howard Total Debt Analysis

Howard Bancorp's Total Debt refers to the amount of long term interest-bearing liabilities that a company carries on its balance sheet. That may include bonds sold to the public, notes written to banks or capital leases. Typically, debt can help a company magnify its earnings, but the burden of interest and principal payments will eventually prevent the firm from borrow excessively.

Howard Bancorp Total Debt

227.84 Million

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Total Debt 
 = 
Bonds 
+  
Notes 
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Current Howard Bancorp Total Debt

    
  268.01 M  
Most of Howard Bancorp's fundamental indicators, such as Total Debt, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Howard Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Howard Total Debt Driver Correlations

Understanding the fundamental principles of building solid financial models for Howard Bancorp is extremely important. It helps to project a fair market value of Ford stock properly, considering its historical fundamentals such as Total Debt. Since Howard Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Howard Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Howard Bancorp's interrelated accounts and indicators.

Howard Total Debt Historical Pattern

Today, most investors in Howard Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Howard Bancorp's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's total debt growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Howard Bancorp total debt as a starting point in their analysis.
 Howard Bancorp Total Debt 
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In most industries, total debt may also include the current portion of long-term debt. Since debt terms vary widely from one company to another, simply comparing outstanding debt obligations between different companies may not be adequate. It is usually meant to compare total debt amounts between companies that operate within the same sector.
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Howard Long Term Debt

Long Term Debt

36.48 Million

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Howard Bancorp Long Term Debt is projected to increase significantly based on the last few years of reporting. The past year's Long Term Debt was at 37.86 Million
Based on the latest financial disclosure, Howard Bancorp has a Total Debt of 268.01 M. This is 99.34% lower than that of the Financial Services sector and significantly higher than that of the Banks—Regional industry. The total debt for all United States stocks is 94.96% higher than that of the company.
Howard Bancorp is rated as one of the top companies in total debt category among related companies. Total debt of Banks—Regional industry is currently estimated at about 507.11 Million. Howard Bancorp totals roughly 268.01 Million in total debt claiming about 53% of stocks in Banks—Regional industry.
Total debt  Capitalization  Revenue  Workforce  Valuation

Howard Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Howard Bancorp from analyzing Howard Bancorp's financial statements. These drivers represent accounts that assess Howard Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Howard Bancorp's important valuation drivers and their relationship over time.
201720182019202020212022 (projected)
Net Income Per Employee23.53 K(11.36 K)54.99 K(69.73 K)(80.19 K)(82.3 K)
Revenue Per Employee204.41 K291.54 K366.35 K405.15 K364.64 K296.52 K
Average Assets1.11 B2.18 B2.3 B2.52 B2.89 B3.12 B
Earnings Before Interest Taxes and Depreciation Amortization EBITDA12.14 M319 K27.43 M(8.19 M)(9.42 M)(9.67 M)
Earnings Before Interest Taxes and Depreciation Amortization USD12.14 M319 K27.43 M(8.19 M)(9.42 M)(9.67 M)
Earnings before Tax10.35 M(4.72 M)22.07 M(13.35 M)(12.01 M)(12.33 M)
Average Equity129.24 M292.35 M306.74 M295.69 M340.05 M366.89 M
Enterprise Value299.25 M398.48 M549.44 M420.63 M483.72 M396.26 M
Free Cash Flow16.49 M58.03 M21.22 M60.26 M69.3 M74.77 M
Invested Capital1.27 B2.36 B2.51 B2.67 B3.07 B3.31 B
Invested Capital Average1.17 B2.27 B2.41 B2.67 B3.07 B3.31 B
Market Capitalization215.93 M272.18 M322.1 M221.35 M254.55 M212.27 M
Tangible Asset Value1.15 B2.18 B2.3 B2.5 B2.88 B3.1 B

Howard Fundamentals

About Howard Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Howard Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Howard Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Howard Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Last ReportedProjected for 2022
Total Debt278.4 M227.8 M
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. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland. Howard Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 235 people.

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Please check Risk vs Return Analysis. Note that the Howard Bancorp 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 Bond Analysis module to evaluate and analyze corporate bonds as a potential investment for your portfolios..

Other Tools for Howard Stock

When running Howard Bancorp 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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