Howard Bancorp Debt to Equity vs. Net Income

For Howard Bancorp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Howard Bancorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Howard Bancorp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Howard Bancorp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Howard Bancorp over time as well as its relative position and ranking within its peers. Please check Risk vs Return Analysis.
  
The current year Sales per Share is expected to grow to 4.15, whereas Price to Sales Ratio is forecasted to decline to 3.20. Howard Bancorp Preferred Dividends Income Statement Impact is projected to decrease significantly based on the last few years of reporting. The past year's Preferred Dividends Income Statement Impact was at 149,400.

Howard Bancorp Revenues

73.1 Million

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 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.

Howard Bancorp Net Income vs. Debt to Equity Fundamental Analysis

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.
Howard Bancorp is one of the top stocks in debt to equity category among related companies. It is one of the top stocks in net income category among related companies making up about  2,664,853  of Net Income per Debt to Equity. Howard Bancorp Net Income is projected to decrease significantly based on the last few years of reporting. The past year's Net Income was at (15.29 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 Net Income vs. Debt to Equity

Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.
Howard Bancorp 
D/E 
 = 
Total Debt 
Total Equity 
9.19 %
High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Howard Bancorp 
Net Income 
 = 
(Rev + Gain) 
-  
(Exp + Loss) 
24.49 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.

Howard Bancorp Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Howard Bancorp, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Howard Bancorp will eventually generate negative long term returns. The profitability progress is the general direction of Howard Bancorp's change in net profit over the period of time. It can combine multiple indicators of Howard Bancorp, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for 2022
Accumulated Other Comprehensive Income6.5 M7.1 M
Consolidated Income-15.3 M-15.7 M
Net Income-15.3 M-15.7 M
Net Income Common Stock-15.3 M-15.7 M
Operating Income-12 M-12.3 M
Preferred Dividends Income Statement Impact149.4 K194.4 K
Income Tax Expense4.2 M3.7 M
Net Income Per Employee-80.2 K-82.3 K

Howard Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Howard Bancorp. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Howard Bancorp position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Howard Bancorp's important profitability drivers and their relationship over time.

Learn to be your own money manager

Our tools can tell you how much better you can do entering a position in Howard Bancorp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Bollinger Bands

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Use Investing Themes to Complement your Howard Bancorp position

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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Aggressive Theme
Funds or Etfs that attempt to achieve high capital gains by investing in companies with high growth potential and above average risk. The Aggressive theme has 40 constituents at this time.
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Please check Risk vs Return Analysis. You can also try Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.

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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