Howard Stock Valuation

HBMD -  USA Stock  

USD 23.30  0.49  2.06%

What is the value of Howard Bancorp today? Calculating the true value of any business is not as easy as it may seem. While the market cap of a public entity, such as Howard Bancorp, is its stock price multiplied by the total number of shares outstanding, calculating Howard Bancorp's enterprise value requires a different approach. It uses Howard Bancorp's balance sheet items such as long-term debt, the book value of the preferred stock, minority interest, and other important financials.
Howard Bancorp Tangible Asset Value is projected to increase significantly based on the last few years of reporting. The past year's Tangible Asset Value was at 2.88 Billion.
Howard Bancorp MD retains a regular Real Value of $25.6 per share. The prevalent price of the firm is $23.3. At this time, the firm appears to be undervalued. Our model calculates the value of Howard Bancorp MD from evaluating the firm fundamentals such as Return On Equity of 8.19 %, current valuation of 638.31 M, and Return On Asset of 0.96 % as well as inspecting its technical indicators and Probability Of Bankruptcy. In general, we encourage purchasing undervalued assets and exiting overvalued assets since, at some point, asset prices and their ongoing real values will come together.

Howard Valuation 

 
Refresh
Howard Bancorp Valuation Module provides a unique way to ballpark how much the company is worth today. It is done using both, our quantitative analysis of the company fundamentals as well as its intrinsic market price estimation to project the real value. We also take into consideration other essential factors such as Howard Bancorp's management style, its c-level domain expertise and tenure, its overall leadership history as well as current capital structure, and future earnings potential.
Undervalued
Today
23.30
23rd of January 2022
Share
Please note that Howard Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Howard Bancorp MD is based on 3 months time horizon. Increasing Howard Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for Howard Bancorp MD is useful when determining the fair value of the Howard stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of Howard Bancorp. Since Howard Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Howard Stock. However, Howard Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
25.60
Real Value
27.60
Upside
Estimating the potential upside or downside of Howard Bancorp MD helps investors to forecast how Howard stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Howard Bancorp more accurately as focusing exclusively on Howard Bancorp's fundamentals will not take into account other important factors:
Earnings
Estimates (2)
LowProjected EPSHigh
1.281.291.30
Details
Hype
Prediction
LowEstimated ValueHigh
21.3623.3625.36
Details
Naive
Forecast
LowNext ValueHigh
20.5722.5724.57
Details
3 Analysts
Consensus
LowTarget PriceHigh
20.0024.0028.00
Details
Traditionally analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Howard Bancorp's intrinsic value based on its ongoing forecasts of Howard Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Howard Bancorp's closest peers. When choosing an evaluation method for Howard Bancorp MD, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using both methods to arrive at a better estimate.

Howard Bancorp Investments

2.78 BillionShare

Howard Valuation Drivers Correlation

Many accounts on the financial statements of Howard Bancorp MD are highly interrelated and sometimes correlated. Consequently, when conducting Howard's valuation analysis, one should examine all of the accounts reported to obtain a complete picture of its financial situation. We provide a unique feature to present a conventional correlation table purposely composed against different valuation-related drivers of Howard
Click cells to compare fundamentals

Howard Valuation Trend

Knowing Howard Bancorp's actual value is paramount for traders to make sound investment determinations. Howard Bancorp's real value is not only important for the investor to make better decisions but also for a more accurate overall view of Howard Bancorp's financial worth over time since having this information enables investors and analysts to forecast the earnings more efficiently. Using both Howard Bancorp's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing descisions.

Howard Market Cap

Howard Bancorp MD is rated # 2 in market capitalization category among related companies. Market capitalization of Banks—Regional industry is currently estimated at about 976.64 Million. Howard Bancorp totals roughly 438.35 Million in market capitalization claiming about 45% of stocks in Banks—Regional industry.
Capitalization  Workforce  Total debt  Valuation  Revenue

Howard Bancorp Valuation Ratios as Compared to Competition

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. You can analyze the relationship between different fundamental ratios across Howard Bancorp competition to find correlations between indicators driving Howard Bancorp's intrinsic value. More Info.
Howard Bancorp MD is one of the top stocks in price to earning category among related companies. It is rated # 2 in price to book category among related companies fabricating about  0.08  of Price to Book per Price to Earning. The ratio of Price to Earning to Price to Book for Howard Bancorp MD is roughly  12.71 . The current year Price to Book Value is expected to grow to 0.97. 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.

About Howard Bancorp Valuation

The equity valuation mechanism determines the current worth of Howard Bancorp MD on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of Howard Bancorp MD. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Howard Bancorp MD based exclusively on its fundamental and basic technical indicators. By analyzing Howard Bancorp's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Howard Bancorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Howard Bancorp. We calculate exposure to Howard Bancorp's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to Howard Bancorp's related companies.
Last ReportedProjected for 2022
Gross Profit87.5 M73.1 M
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.

Howard Bancorp Quarterly Enterprise Value

556.17 MillionShare

Howard Bancorp Valuation Growth Rates

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as Howard Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Earnings Quarterly Growth38.10%
Revenue Growth18.10%
Earnings Growth37.60%
Enterprise Value To Revenue7.48

Howard Bancorp Current Valuation Indicators

Valuation refers to the process of determining the present value of Howard Bancorp MD and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Howard we look at many different elements of the entity such as Howard's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Howard Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Howard Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Howard Bancorp's worth.
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 Equity Search module to search for actively traded equities including funds and ETFs from over 30 global markets.

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.
Fundamentals Comparison
Compare fundamentals across multiple equities to find investing opportunities
Go
Equity Search
Search for actively traded equities including funds and ETFs from over 30 global markets
Go
Price Exposure Probability
Analyze equity upside and downside potential for a given time horizon across multiple markets
Go
Options Analysis
Analyze and evaluate options and option chains as a potential hedge for your portfolios
Go
Portfolio File Import
Quickly import all of your third-party portfolios from your local drive in csv format
Go
Equity Forecasting
Use basic forecasting models to generate price predictions and determine price momentum
Go
Efficient Frontier
Plot and analyze your portfolio and positions against risk-return landscape of the market.
Go
Balance Of Power
Check stock momentum by analyzing Balance Of Power indicator and other technical ratios
Go
Stock Tickers
Use high-impact, comprehensive, and customizable stock tickers that can be easily integrated to any websites
Go
Fund Screener
Find actively-traded funds from around the world traded on over 30 global exchanges
Go
Sync Your Broker
Sync your existing holdings, watchlists, positions or portfolios from thousands of online brokerage services, banks, investment account aggregators and robo-advisors.
Go
Portfolio Holdings
Check your current holdings and cash postion to detemine if your portfolio needs rebalancing
Go
Watchlist Optimization
Optimize watchlists to build efficient portfolio or rebalance existing positions based on mean-variance optimization algorithm
Go
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.