Howard Stock Valuation

HBMD -  USA Stock  

USD 23.30  0.00  0.00%

What is the value of Howard Bancorp today? Calculating the true value of any business is not as easy as it may seem. While the market cap of a public entity, such as Howard Bancorp, is its stock price multiplied by the total number of shares outstanding, calculating Howard Bancorp's enterprise value requires a different approach. It uses Howard Bancorp's balance sheet items such as long-term debt, the book value of the preferred stock, minority interest, and other important financials.
Howard Bancorp Tangible Asset Value is projected to increase significantly based on the last few years of reporting. The past year's Tangible Asset Value was at 2.88 Billion.
Howard Bancorp retains a regular Real Value of $21.79 per share. The prevalent price of the firm is $23.3. At this time, the firm appears to be overvalued. Our model calculates the value of Howard Bancorp from evaluating the firm fundamentals such as Return On Equity of 8.19 %, current valuation of 638.31 M, and Return On Asset of 0.96 % as well as inspecting its technical indicators and Probability Of Bankruptcy. In general, we encourage purchasing undervalued assets and exiting overvalued assets since, at some point, asset prices and their ongoing real values will come together.
  
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Howard Bancorp Valuation Module provides a unique way to ballpark how much the company is worth today. It is done using both, our quantitative analysis of the company fundamentals as well as its intrinsic market price estimation to project the real value. We also take into consideration other essential factors such as Howard Bancorp's management style, its c-level domain expertise and tenure, its overall leadership history as well as current capital structure, and future earnings potential.
Overvalued
Today 23.30
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Please note that Howard Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Howard Bancorp is based on 3 months time horizon. Increasing Howard Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for Howard Bancorp is useful when determining the fair value of the Howard stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of Howard Bancorp. Since Howard Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Howard Stock. However, Howard Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
21.79
Real Value
25.63
Upside
Estimating the potential upside or downside of Howard Bancorp helps investors to forecast how Howard stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Howard Bancorp more accurately as focusing exclusively on Howard Bancorp's fundamentals will not take into account other important factors:
Earnings
Estimates (2)
LowProjected EPSHigh
1.281.291.30
Details
Hype
Prediction
LowEstimated ValueHigh
23.3023.3023.30
Details
Naive
Forecast
LowNext ValueHigh
22.1322.1322.13
Details
3 Analysts
Consensus
LowTarget PriceHigh
20.0024.0028.00
Details
Traditionally analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Howard Bancorp's intrinsic value based on its ongoing forecasts of Howard Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Howard Bancorp's closest peers. When choosing an evaluation method for Howard Bancorp, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using both methods to arrive at a better estimate.

Howard Bancorp Investments

2.78 Billion

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Howard Valuation Drivers Correlation

Many accounts on the financial statements of Howard Bancorp are highly interrelated and sometimes correlated. Consequently, when conducting Howard's valuation analysis, one should examine all of the accounts reported to obtain a complete picture of its financial situation. We provide a unique feature to present a conventional correlation table purposely composed against different valuation-related drivers of Howard
Click cells to compare fundamentals

Howard Valuation Trend

Knowing Howard Bancorp's actual value is paramount for traders to make sound investment determinations. Howard Bancorp's real value is not only important for the investor to make better decisions but also for a more accurate overall view of Howard Bancorp's financial worth over time since having this information enables investors and analysts to forecast the earnings more efficiently. Using both Howard Bancorp's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing descisions.

Howard Market Cap

Howard Bancorp is rated # 2 in market capitalization category among related companies. Market capitalization of Banks—Regional industry is currently estimated at about 1.12 Billion. Howard Bancorp totals roughly 438.35 Million in market capitalization claiming about 39% of stocks in Banks—Regional industry.
Capitalization  Workforce  Total debt  Revenue  Valuation

Howard Bancorp Valuation Ratios as Compared to Competition

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 is one of the top stocks in price to earning category among related companies. It is rated # 2 in beta category among related companies totaling about  0.05  of Beta per Price to Earning. The ratio of Price to Earning to Beta for Howard Bancorp is roughly  19.84 . 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.
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Howard Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Howard Bancorp and how it compares across the competition.

About Howard Bancorp Valuation

The equity valuation mechanism determines the current worth of Howard Bancorp on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of Howard Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Howard Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing Howard Bancorp's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Howard Bancorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Howard Bancorp. We calculate exposure to Howard Bancorp's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to Howard Bancorp's related companies.
Last ReportedProjected for 2022
Gross Profit87.5 M73.1 M
Profit Margin(0.20) (0.21) 
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.

Howard Bancorp Quarterly Enterprise Value

556.17 Million

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Howard Bancorp Valuation Growth Rates

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as Howard Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Earnings Quarterly Growth38.10%
Revenue Growth18.10%
Earnings Growth37.60%
Enterprise Value To Revenue7.48

Howard Bancorp Current Valuation Indicators

Valuation refers to the process of determining the present value of Howard Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Howard we look at many different elements of the entity such as Howard's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. Howard Bancorp's valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Howard Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Howard Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Howard Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Howard Bancorp's worth.
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 ETF Directory module to find actively traded Exchange Traded Funds (ETF) from around the world.

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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