Howard Stock Today

Howard Bancorp is currently unavailable and cannot be used in your analysis. The information on this page reflects the last day Howard Bancorp was actively traded.
Valuation Profit Patterns
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Howard Bancorp Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. If you consider yourself one of those investors, make sure you clearly understand your entering position. Howard Bancorp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Howard Bancorp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
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ChairmanMary Scully
Fama & French Classification
Average Analyst Recommendation
Analysts covering Howard Bancorp report their recommendations after researching Howard Bancorp's financial statements, talking to executives and customers, or listening in on Howard Bancorp's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Howard Bancorp. The Howard consensus assessment is calculated by taking the average forecast from all of the analysts covering Howard Bancorp.
Piotroski F Score
Piotroski F-Score is a popular financial indicator that puts together nine criteria to evaluate the financial strength of Howard Bancorp based on its profitability, leverage, liquidity, source of funds, and operating efficiency. It is an academic score (developed by Joseph Piotroski in 2002) to determine the current strength of Howard Bancorp financial position. Scores of 8 and 9 are usually classified as strong value stocks, whereas scores of 2 or below are considered weak value stocks.
 4 - PoorDetails
Current ValueLast YearChange From Last Year 10 Year Trend
Weighted Average Shares23.3 M21.6 M
Significantly Up
Increasing
Slightly volatile
Weighted Average Shares Diluted18.2 M16.9 M
Significantly Up
Increasing
Slightly volatile
Net Cash Flow from Operations75.3 M69.8 M
Significantly Up
Increasing
Slightly volatile
Total Assets3.1 B2.9 B
Significantly Up
Increasing
Slightly volatile
Total Liabilities2.8 B2.6 B
Significantly Up
Increasing
Slightly volatile
Total Debt227.8 M278.4 M
Significantly Down
Increasing
Slightly volatile
Return on Average Assets(0.0065)(0.0063)
Fairly Down
Decreasing
Slightly volatile
Gross Margin0.890.9
Fairly Down
Decreasing
Slightly volatile
Asset Turnover0.03240.027
Fairly Up
Decreasing
Slightly volatile
Macroaxis Advice
Unlike general analyst consensus, Macroaxis buy hold or sell recommendation is provided in the context of your current investment horizon and risk tolerance. The advice algorithm takes into account all of Howard Bancorp's available fundamental, technical, and predictive indicators. Your current horizon is 90 days - details
Not RatedOvervalued
Financial Strength
Howard Bancorp's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Howard Bancorp's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Howard Bancorp's financial leverage. It provides some insight into what part of Howard Bancorp's total assets is financed by creditors.
Share Download
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By using current balance sheet information, investors can analyze the liability, assets, and equity on Howard Bancorp's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Howard Bancorp deploys its capital and how much of that capital is borrowed.
Liquidity
Howard Bancorp cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 268.01 M in liabilities with Debt to Equity (D/E) ratio of 9.19, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Howard Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, Howard Bancorp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Howard Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Howard to invest in growth at high rates of return. When we think about Howard Bancorp's use of debt, we should always consider it together with cash and equity.

Operating Cash Flow

75.27 MillionShare
Howard Bancorp (HBMD) is traded on NASDAQ Exchange in USA. It is located in 3301 Boston Street, Baltimore, MD 21224, United States and employs 235 people. Howard Bancorp is listed under Banking category by Fama And French industry classification. 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 Bancorp conducts business under Financial Services sector and is part of Banks—Regional industry. The entity has 18.81 M outstanding shares of which 144.38 K shares are currently shorted by private and institutional investors with about 2.57 trading days to cover. Howard Bancorp currently holds about 64.28 M in cash with 35.98 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 3.42.
Check Howard Bancorp Probability Of Bankruptcy

Howard Stock Price Odds Analysis

What are Howard Bancorp's target price odds to finish over the current price? Based on a normal probability distribution, the odds of Howard Bancorp jumping above the current price in 90 days from now is about 16.27%. The Howard Bancorp probability density function shows the probability of Howard Bancorp stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days Howard Bancorp has a beta of -0.0086. This usually indicates as returns on benchmark increase, returns on holding Howard Bancorp are expected to decrease at a much lower rate. During the bear market, however, Howard Bancorp is likely to outperform the market. Additionally, the company has an alpha of 0.1447, implying that it can generate a 0.14 percent excess return over DOW after adjusting for the inherited market risk (beta).
  Odds Below 23.3HorizonTargetOdds Above 23.3
83.59%90 days
 23.30 
16.27%
Based on a normal probability distribution, the odds of Howard Bancorp to move above the current price in 90 days from now is about 16.27 (This Howard Bancorp probability density function shows the probability of Howard Stock to fall within a particular range of prices over 90 days) .

Howard Bancorp Historical Income Statement

Howard Bancorp Income Statement is one of the three primary financial statements used for reporting Howard's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Howard Bancorp revenue and expense. Howard Bancorp Income Statement primarily focuses on the company's revenues and expenses during a particular period.
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. The current year Weighted Average Shares is expected to grow to about 23.3 M, whereas Earning Before Interest and Taxes EBIT is forecasted to decline to (12.3 M). View More Fundamentals

Howard Stock Against Markets

Picking the right benchmark for Howard Bancorp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Howard Bancorp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Howard Bancorp is critical whether you are bullish or bearish towards Howard Bancorp at a given time.

View Currently Related Equities

One of the popular trading techniques among algorithmic traders is to use market-neutral strategies where every trade hedges away some risk. Because there are two separate transactions required, even if one position performs unexpectedly, the other equity can make up some of the losses. Below are some of the equities that can be combined with Howard Bancorp stock to make a market-neutral strategy. Peer analysis of Howard Bancorp could also be used in its relative valuation, which is a method of valuing Howard Bancorp by comparing valuation metrics with similar companies.

Howard Bancorp Corporate Directors

Howard Bancorp corporate directors refer to members of a Howard Bancorp board of directors. The board of directors generally takes responsibility for the Howard Bancorp's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Howard Bancorp's board members must vote for the resolution. The Howard Bancorp board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Richard Arnold - Independent DirectorProfile
Gary Bozel - DirectorProfile
Thomas ONeill - DirectorProfile
Robert Smith - Independent DirectorProfile

Investing Howard Bancorp

You need to understand the risk of investing before taking a position in Howard Bancorp. The danger of trading Howard Bancorp is mainly related to its market volatility and company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Howard Bancorp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Howard Bancorp. The Shape ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Howard Bancorp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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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