Howard Stock Analysis

HBMD
 Stock
  

USD 23.30  0.00  0.00%   

The latest indifference towards the small price fluctuations of Howard Bancorp may raise some interest from shareholders. The stock closed today at a share price of 23.30 on slow start in trading volume. The company directors and management did not add any value to Howard Bancorp investors in May. However, most investors can still diversify their portfolios with Howard Bancorp to hedge their inherited risk against high-volatility market scenarios. The stock standard deviation of daily returns for 90 days investing horizon is currently very low. The very small Stock volatility is a good signal to shareholders with longer-term investment horizons.
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The Howard Bancorp stock analysis report makes it easy to digest most publicly released information about Howard Bancorp and get updates on important government artifacts, including earning estimates, SEC corporate filings, and announcements. Howard Stock analysis module also helps to analyze the Howard Bancorp price relationship with some important fundamental indicators such as market cap and management efficiency.

Howard Stock Analysis Notes

About 26.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.42. Some equities with similar Price to Book (P/B) outperform the market in the long run. Howard Bancorp had not issued any dividends in recent years. 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. To learn more about Howard Bancorp call Mary Scully at 410 750-0020 or check out www.howardbank.com.

Howard Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Howard Bancorp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Howard Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Howard Bancorp is not currently marked as verified by its exchange. Report It!

Howard Bancorp Upcoming and Recent Events

Earnings reports are used by Howard Bancorp to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Howard Bancorp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
Upcoming Quarterly Report26th of January 2022
Next Financial Report20th of April 2022
Next Fiscal Quarter End31st of December 2021
Next Fiscal Year End26th of January 2022
Last Quarter Report30th of September 2021
Last Financial Announcement31st of December 2020

Howard Bancorp SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Howard Bancorp prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Howard Bancorp investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Howard Bancorp specific information freely available to individual and institutional investors to make a timely investment decision.
9th of November 2021
Regulation FD Disclosure. Submission of Matters to a Vote of Security Holders
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5th of November 2021
Other Events
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20th of October 2021
Financial Statements and Exhibits. Results of Operations and Financial Condition
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10th of September 2021
Unclassified Corporate Event
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Howard Market Capitalization

The company currently falls under 'Small-Cap' category with current market capitalization of 438.35 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Howard Bancorp's market, we take the total number of its shares issued and multiply it by Howard Bancorp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities.

Howard Profitablity

Howard Bancorp's profitability indicators refer to fundamental financial ratios that showcase Howard Bancorp's ability to generate income relative to its revenue or operating costs. If, let's say, Howard Bancorp is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Howard Bancorp's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Howard Bancorp's profitability requires more research than a typical breakdown of Howard Bancorp's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of 28.69 %, which can signify that it executes well on its competitive strategies and has good control over its expenditures. This is very large. Similarly, it shows Operating Margin (OM) of 46.15 %, which suggests for every 100 dollars of sales, it generated a net operating income of 0.46.
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) 

Management Efficiency

The entity has return on total asset (ROA) of 0.96 % which means that it generated profit of $0.96 on every $100 spent on asset. This is way below average. Similarly, it shows return on stockholders equity (ROE) of 8.19 %, meaning that it created $8.19 on every $100 dollars invested by stockholders. Howard Bancorp management efficiency ratios could be used to measure how well howard bancorp manages its routine affairs as well as how well it operates its assets and liabilities. As of June 30, 2022, Return on Average Assets is expected to decline to -0.0065. In addition to that, Return on Average Equity is expected to decline to -0.05. Howard Bancorp Tax Assets are projected to increase significantly based on the last few years of reporting. The past year's Tax Assets were at 35.94 Million. The current year Revenue to Assets is expected to grow to 0.05, whereas Total Assets Per Share are forecasted to decline to 118.44.
Last ReportedProjected for 2022
Book Value per Share 18.08  17.55 
Enterprise Value over EBIT(28.80) (29.56) 
Enterprise Value over EBITDA(59.03) (60.58) 
Price to Book Value 0.86  0.97 
Tangible Assets Book Value per Share 153.44  154.86 
Enterprise Value483.7 M396.3 M
Tangible Asset Value2.9 B3.1 B

Howard Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Howard Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Howard Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Howard Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Howard Bancorp Technical and Predictive Indicators

About Howard Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Howard Bancorp stock is reacting to, or reflecting on a current stock market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Howard shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas, a specific sector, or an individual stock such as Howard Bancorp. By using and applying Howard Stock analysis, traders can create a robust methodology for identifying Howard entry and exit points for their positions.
Last ReportedProjected for 2022
EBITDA Margin(0.1) (0.1) 
Gross Margin 0.90  0.89 
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.

Current Howard Analysis - Recommendations

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 PriceAdvice# of Analysts
24.0Buy2Odds
Howard Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Howard analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Howard stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Howard Bancorp, talking to its executives and customers, or listening to Howard conference calls.
Howard Analyst Advice Details

Howard Stock Analysis Indicators

Howard Bancorp stock analysis indicators help investors evaluate how Howard Bancorp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Howard Bancorp shares will generate the highest return on investment. By understating and applying Howard Bancorp stock analysis, traders can identify Howard Bancorp position entry and exit signals to maximize returns.
Fifty Two Week Low11.74
Revenue Growth18.10%
Shares Short Prior Month182.8k
Average Daily Volume Last 10 Day222.75k
Average Daily Volume In Three Month99.72k
Earnings Growth37.60%
Shares Percent Shares Out0.77%
Earnings Quarterly Growth38.10%
Short Percent Of Float1.36%
Forward Price Earnings21.78
Float Shares14.13M
Fifty Two Week High25.36
Fifty Day Average22.29
Two Hundred Day Average19.46
Enterprise Value To Revenue7.48
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 Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.

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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