Howard Stock Analysis

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

The modest gains experienced by current holders of Howard Bancorp MD may raise some interest from shareholders. The stock closed today at a share price of 23.30 on 1,796,600 in trading volume. The company directors and management have been quite successful in maneuvering the stock at opportune times to take advantage of all market conditions in December. The stock standard deviation of daily returns for 90 days investing horizon is currently 2.0. The current volatility is consistent with the ongoing market swings in December 2021 as well as with Howard Bancorp MD unsystematic, company-specific events.
Please check Risk vs Return Analysis.

Howard Stock Analysis 

 
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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 MD 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 MD call Mary Scully at 410 750-0020 or check out www.howardbank.com.

Howard Bancorp MD 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 MD or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
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

Howard Bancorp MD 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 Earnings 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 Earning Announcement31st of December 2020

Howard Largest EPS Surprises

Earnings surprises can significantly impact Howard Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2017-04-20
2017-03-310.160.180.0212 
2019-04-23
2019-03-310.19670.220.023311 
2018-10-24
2018-09-300.230.2008-0.029212 
View All Earnings Estimates

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 MD 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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21st of July 2021
Financial Statements and Exhibits. Results of Operations and Financial Condition
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13th of July 2021
Financial Statements and Exhibits. Other Events. Amendments to Articles of Incorporation or Bylaws; and/or Change in Fiscal Year. Entry into a Material Definitive Agreement
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2nd of June 2021
Submission of Matters to a Vote of Security Holders
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21st of April 2021
Financial Statements and Exhibits. Regulation FD Disclosure. Results of Operations and Financial Condition
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Howard Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Howard Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Howard Bancorp MD backward and forwards among themselves. Howard Bancorp's institutional investor refers to the entity that pools money to purchase Howard Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Patriot Financial Partners Gp LpCommon Shares2.3 M46 M
Blackrock IncCommon Shares761.3 K15.4 M
Vanguard Group IncCommon Shares647.5 K13.1 M
Gardner Lewis Asset Management L PCommon Shares646.2 K13.1 M
Dimensional Fund Advisors LpCommon Shares457.7 K9.3 M
First Trust Capital Management LpCommon Shares419.8 K8.5 M
Citadel Advisors LlcCommon Shares290.2 K5.9 M
Note, although Howard Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

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 md manages its routine affairs as well as how well it operates its assets and liabilities. As of January 23, 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

Technical Drivers

As of the 23rd of January, Howard Bancorp retains the Risk Adjusted Performance of 0.0655, downside deviation of 2.06, and Market Risk Adjusted Performance of 0.0954. Howard Bancorp technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices. Simply put, you can use this information to find out if the firm will indeed mirror its model of historical price patterns, or the prices will eventually revert. We have collected data for nineteen technical drivers for Howard Bancorp MD, which can be compared to its competitors. Please check out Howard Bancorp MD value at risk, as well as the relationship between the semi variance and kurtosis to decide if Howard Bancorp is priced fairly, providing market reflects its last-minute price of 23.3 per share. Given that Howard Bancorp MD has jensen alpha of 0.2234, we strongly advise you to confirm Howard Bancorp MD's regular market performance to make sure the company can sustain itself at a future point.

Howard Bancorp MD Price Movement Analysis

The output start index for this execution was thirty-nine with a total number of output elements of twenty-two. View also all equity analysis or get more info about mavp overlap studies indicator.

Howard Bancorp MD 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 Joseph F few days ago via Macroaxis 
Payment of 2529 shares by Howard Joseph F of Howard Bancorp subject to Rule 16b-3
Singh Linda L over three months ago via Macroaxis 
Acquisition by Singh Linda L of 635 shares of Howard Bancorp subject to Rule 16b-3
Howard Joseph F over six months ago via Macroaxis 
Acquisition by Howard Joseph F of 1108 shares of Howard Bancorp subject to Rule 16b-3
Carpenter Robert L Jr over six months ago via Macroaxis 
Acquisition by Carpenter Robert L Jr of 2968 shares of Howard Bancorp subject to Rule 16b-3
Donna Staton over six months ago via Macroaxis 
Purchase by Donna Staton of 600 shares of Howard Bancorp
Mckone Steven Drew over six months ago via Macroaxis 
Acquisition by Mckone Steven Drew of 2140 shares of Howard Bancorp subject to Rule 16b-3
Carpenter Robert L Jr over six months ago via Macroaxis 
Acquisition by Carpenter Robert L Jr of 2968 shares of Howard Bancorp subject to Rule 16b-3
O Neill Thomas P over six months ago via Macroaxis 
Exempt acquisition or disposition by O Neill Thomas P of 236 shares of Howard Bancorp subject to Section 16
Singh Linda L over six months ago via Macroaxis 
Acquisition by Singh Linda L of 1034 shares of Howard Bancorp subject to Rule 16b-3
Howard Joseph F over a year ago via Macroaxis 
Purchase by Howard Joseph F of 152 shares of Howard Bancorp
Howard Joseph F over a year ago via Macroaxis 
Purchase by Howard Joseph F of 152 shares of Howard Bancorp
Howard Joseph F over a year ago via Macroaxis 
Howard Bancorp exotic insider transaction detected

Howard Bancorp Predictive Daily Indicators

Howard Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Howard Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Howard Bancorp Forecast Models

Howard Bancorp time-series forecasting models is one of many Howard Bancorp's stock analysis techniquest aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Howard Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the stock market movement and maximize returns from investment trading.

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. The company offers various consumer and business deposit products, including demand, money market, savings, individual retirement, and commercial and retail checking accounts, as well as certificates of deposit. It also provides commercial loans, such as lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans, as well as equipment lease services commercial mortgage loans for owner occupied and investment properties construction loans residential mortgage loans and secured and unsecured consumer loans. In addition, the company offers wire transfer services automated teller machines and check cards and safe deposit boxes, as well as credit cards through a third party processor. Further, it provides merchant card, overnight sweep, check positive pay, and remote deposit capture services and online and mobile banking services. As of December 31, 2020, the company operated through a network of 15 full service branches, as well as eight commercial lending offices located in Maryland. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland.

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 MD 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 MD, talking to its executives and customers, or listening to Howard conference calls.
Howard Analyst Advice Details

Howard Stock Analysis Indicators

Howard Bancorp MD 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 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 Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.

Complementary Tools for Howard Stock analysis

When running Howard Bancorp MD 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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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.