Howard Stock Performance

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

Howard Bancorp has performance score of 6 on a scale of 0 to 100. The company retains a Market Volatility (i.e., Beta) of 1.5535, which attests to a somewhat significant risk relative to the market. Let's try to break down what Howard's beta means in this case. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Howard Bancorp will likely underperform. Although it is extremely important to respect Howard Bancorp MD current price history, it is better to be realistic regarding the information on equity current price movements. The philosophy towards determining future performance of any stock is to evaluate the business as a whole together with its past performance, including all available fundamental and technical indicators. By evaluating Howard Bancorp MD technical indicators, you can presently evaluate if the expected return of 0.17% will be sustainable into the future. Howard Bancorp MD right now retains a risk of 2.0%. Please check out Howard Bancorp value at risk, kurtosis, price action indicator, as well as the relationship between the semi variance and rate of daily change to decide if Howard Bancorp will be following its current trending patterns.

Howard Stock Performance 

 
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Howard Performance
6 of 100
Compared to the overall equity markets, risk-adjusted returns on investments in Howard Bancorp MD are ranked lower than 6 (%) of all global equities and portfolios over the last 90 days. In spite of rather weak primary indicators, Howard Bancorp may actually be approaching a critical reversion point that can send shares even higher in February 2022. ...more

Howard Price Channel

Fifty Two Week Low11.74
Target High Price28.00
Fifty Two Week High25.16
Target Low Price20.00

Howard Bancorp Relative Risk vs. Return Landscape

If you would invest  2,119  in Howard Bancorp MD on October 25, 2021 and sell it today you would earn a total of  211.00  from holding Howard Bancorp MD or generate 9.96% return on investment over 90 days. Howard Bancorp MD is currently generating 0.1706% in daily expected returns and assumes 2.0028% risk (volatility on return distribution) over the 90 days horizon. In different words, 17% of stocks are less volatile than Howard, and 97% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon.
 Daily Expected Return (%) 
      Risk (%) 
Given the investment horizon of 90 days Howard Bancorp is expected to generate 2.39 times more return on investment than the market. However, the company is 2.39 times more volatile than its market benchmark. It trades about 0.09 of its potential returns per unit of risk. The DOW is currently generating roughly -0.07 per unit of risk.

Howard Bancorp Market Risk Analysis

Today, many novice investors tend to focus exclusively on investment returns with little concern for Howard Bancorp's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Howard Bancorp MD, and traders can use it to determine the average amount a Howard Bancorp's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.

Sharpe Ratio = 0.0852

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Estimated Market Risk
 2.0
  actual daily
 
 17 %
of total potential
 
1717
Expected Return
 0.17
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 3 %
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33
Risk-Adjusted Return
 0.09
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 6 %
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66
Based on monthly moving average Howard Bancorp is performing at about 6% of its full potential. If added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Howard Bancorp by adding it to a well-diversified portfolio.

About Howard Bancorp Performance

To evaluate Howard Bancorp MD Stock as a possible investment, you need to clearly understand its upside potential, downside risk, and overall future performance outlook. You may be satisfied when Howard Bancorp generates a 15% return over the last few months, but what if the market is generating 25% over the same period? In this case, it makes sense to compare Howard Stock's performance with different market indexes, such as the Dow or NASDAQ Composite. These indexes can act as benchmarks that will help you to understand Howard Bancorp MD stock market performance in a much more refined way. At Macroaxis, we take it even further. The Macroaxis performance score is an integer between 0 and 100 that represents Howard's market performance from a risk-adjusted return perspective. Generally speaking, the higher the score, the better is overall performance as compared to other investors. The score is normalized against the average investing universe (the best we can interpret from the data available). Within this methodology, scores of individual equity instruments will always be inferior to the scores of portfolios of equities as portfolios typically diversify a lot of unsystematic risks away. The formula to derive the Macroaxis score bases on multiple unequally-weighted factors. For more information, refer to our portfolio performance evaluation section.
Please also refer to our technical analysis and fundamental analysis pages.
Last ReportedProjected for 2022
Return on Average Assets(0.0063) (0.006466) 
Return on Average Equity(0.05) (0.05) 
Return on Invested Capital(0.0045) (0.004618) 
Return on Sales(0.16) (0.16) 
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.

Things to note about Howard Bancorp MD

Checking the ongoing alerts about Howard Bancorp for important developments is a great way to find new opportunities for your next move. Our stock alerts and notifications screener for Howard Bancorp MD help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.

Howard Bancorp Alerts

Equity 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
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 Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.

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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.