Howard Stock Today

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

Market Performance
6 of 100
Odds Of Distress
Less than 44
Howard Bancorp is trading at 23.30 as of the 23rd of January 2022, a -2.06 percent decrease since the beginning of the trading day. The stock's lowest day price was 23.23. Howard Bancorp has about a 44 percent probability of financial distress in the next few years of operation and did not have a very good performance during the last 90 trading days. Equity ratings for Howard Bancorp MD are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 24th of December 2021 and ending today, the 23rd of January 2022. Click here to learn more.
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. The company 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. More on Howard Bancorp MD

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.
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 Fama & French Banking
Banking
Fama & French Classification
Howard Bancorp MD SEC Filings
Howard Bancorp SEC Filings Security & Exchange Commission EDGAR Reports
Legal NameHoward Bancorp MD
ChairmanMary Scully  (View All)
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 MD. 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 MD 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 MD 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
Strong BuyUndervalued
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.

Operating Cash Flow

75.27 MillionShare
Howard Bancorp MD (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 472.59 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 MD 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 MD 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
Ownership
Howard Bancorp MD has a total of eighteen million eight hundred ten thousand outstanding shares. Over half of Howard Bancorp MD outstanding shares are owned by outside corporations. These outside corporations are typically referred to corporate investors that purchase positions in a given instrument to benefit from reduced trade commissions. Consequently, these institutions are subject to different rules and regulation than regular investors in Howard Bancorp MD. Please watch out for any change in the institutional holdings of Howard Bancorp as this could mean something significant has changed or about to change at the company. Please note that no matter how much assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.

Ownership Allocation (%)

Check Howard Ownership Details

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 15.47%. The Howard Bancorp MD 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 the stock has a beta coefficient of 1.5535. This usually indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, Howard Bancorp will likely underperform. Additionally, the company has an alpha of 0.2234, implying that it can generate a 0.22 percent excess return over DOW after adjusting for the inherited market risk (beta).
 Odds Down 23.3HorizonTargetOdds Up 23.3 
84.40%90 days
 23.30 
15.47%
Based on a normal probability distribution, the odds of Howard Bancorp to move above the current price in 90 days from now is about 15.47 (This Howard Bancorp MD probability density function shows the probability of Howard Stock to fall within a particular range of prices over 90 days) .

Howard Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Howard Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Howard Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Howard Bancorp's value.
InstituionSecurity TypeTotal SharesValue
Patriot Financial Partners Gp LpCommon Shares2.3 M46 M
Blackrock IncCommon Shares761.3 K15.4 M
View Howard Bancorp Diagnostics

Howard Bancorp Historical Income Statement

Howard Bancorp MD 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 MD 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 MD at a given time.

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 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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Risk-Return Analysis

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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
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 Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.

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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.