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. More Details
No risks detected for HBMD from our risk checks.
Excellent balance sheet with moderate growth potential.
Share Price & News
How has Howard Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HBMD is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: HBMD's weekly volatility (6%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: HBMD underperformed the US Banks industry which returned 19.4% over the past year.
Return vs Market: HBMD underperformed the US Market which returned 38.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Howard Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StIf You Had Bought Howard Bancorp's (NASDAQ:HBMD) Shares Three Years Ago You Would Be Down 26%
1 month ago | Simply Wall StWhat Type Of Shareholders Own The Most Number of Howard Bancorp, Inc. (NASDAQ:HBMD) Shares?
2 months ago | Simply Wall StHow Much Are Howard Bancorp, Inc. (NASDAQ:HBMD) Insiders Spending On Buying Shares?
Is Howard Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate HBMD's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate HBMD's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: HBMD is unprofitable, so we can't compare its PE Ratio to the US Banks industry average.
PE vs Market: HBMD is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HBMD's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: HBMD is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1x).
How is Howard Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HBMD is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2%).
Earnings vs Market: HBMD is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: HBMD's is expected to become profitable in the next 3 years.
Revenue vs Market: HBMD's revenue (4.2% per year) is forecast to grow slower than the US market (10.4% per year).
High Growth Revenue: HBMD's revenue (4.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HBMD's Return on Equity is forecast to be low in 3 years time (5.8%).
How has Howard Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HBMD is currently unprofitable.
Growing Profit Margin: HBMD is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: HBMD is unprofitable, and losses have increased over the past 5 years at a rate of 20.9% per year.
Accelerating Growth: Unable to compare HBMD's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: HBMD is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (0.5%).
Return on Equity
High ROE: HBMD has a negative Return on Equity (-5.77%), as it is currently unprofitable.
How is Howard Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HBMD's Assets to Equity ratio (8.6x) is low.
Allowance for Bad Loans: HBMD has a low allowance for bad loans (99%).
Low Risk Liabilities: 88% of HBMD's liabilities are made up of primarily low risk sources of funding.
Loan Level: HBMD has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: HBMD's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: HBMD has an appropriate level of bad loans (1%).
What is Howard Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate HBMD's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate HBMD's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if HBMD's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if HBMD's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HBMD's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mary Scully (69 yo)
Ms. Mary Ann Scully serves as Chairman & CEO at Howard Bank and Howard Bancorp, Inc. Ms. Scully is a lifelong banker with more than 40 years of varied executive experiences in the Maryland marketplace. Aft...
CEO Compensation Analysis
Compensation vs Market: Mary's total compensation ($USD780.10K) is about average for companies of similar size in the US market ($USD944.53K).
Compensation vs Earnings: Mary's compensation has been consistent with company performance over the past year.
|Chairman & CEO||15.17yrs||US$780.10k||0.78% |
|Executive Vice President||no data||US$328.06k||0.035% |
|Executive VP & Secretary||15.17yrs||US$345.00k||0.27% |
|Executive VP||1yr||no data||0.027% |
|Executive VP & Chief Information Officer||3.08yrs||no data||0.0039% |
|Senior VP & Chief Human Resource Officer||no data||no data||no data|
|Executive VP & Chief Deposit Officer||no data||no data||0.0022% |
|Executive VP & Chief Credit Officer||no data||US$278.96k||0.0082% |
Experienced Management: HBMD's management team is considered experienced (3.1 years average tenure).
|Chairman & CEO||15.17yrs||US$780.10k||0.78% |
|Independent Director||2.92yrs||US$30.59k||0.00022% |
|Independent Director||5.5yrs||US$33.84k||0.16% |
|Independent Director||16.08yrs||US$35.59k||0.56% |
|Independent Director||16.08yrs||US$34.09k||0.91% |
|Independent Director||16.08yrs||US$32.59k||0.78% |
|Independent Director||2.92yrs||US$28.34k||0.30% |
|Independent Director||6.67yrs||US$35.09k||0.074% |
|Independent Director||11.17yrs||US$32.59k||0.098% |
|Lead Independent Director||4.08yrs||US$44.59k||0.27% |
Experienced Board: HBMD's board of directors are considered experienced (6.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HBMD insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Howard Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Howard Bancorp, Inc.
- Ticker: HBMD
- Exchange: NasdaqCM
- Founded: 2004
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$257.744m
- Shares outstanding: 18.75m
- Website: https://www.howardbank.com
Number of Employees
- Howard Bancorp, Inc.
- 3301 Boston Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HBMD||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Mar 2006|
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, prof...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/02/26 23:29|
|End of Day Share Price||2021/02/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.