Howard Bancorp Inc (HBMD) Fundamental Analysis & Valuation

NASDAQ:HBMD

Current stock price

23.3
-0.49 (-2.06%)
At close:
23.3
0 (0%)
After Hours:

This HBMD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. HBMD Profitability Analysis

1.1 Basic Checks

  • HBMD had positive earnings in the past year.
HBMD Yearly Net Income VS EBIT VS OCF VS FCFHBMD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 0 20M 40M 60M

1.2 Ratios

Industry RankSector Rank
ROA 0.97%
ROE 7.95%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HBMD Yearly ROA, ROE, ROICHBMD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 0 2 -2 4 -4 6

1.3 Margins

  • HBMD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HBMD Yearly Profit, Operating, Gross MarginsHBMD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 0 10 -10

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1

2. HBMD Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for HBMD has been reduced compared to 1 year ago.
  • HBMD has a better debt/assets ratio than last year.
HBMD Yearly Shares OutstandingHBMD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 5M 10M 15M
HBMD Yearly Total Debt VS Total AssetsHBMD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • A Debt/Equity ratio of 0.09 indicates that HBMD is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
HBMD Yearly LT Debt VS Equity VS FCFHBMD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. HBMD Growth Analysis

3.1 Past

  • HBMD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 257.83%, which is quite impressive.
  • HBMD shows a small growth in Revenue. In the last year, the Revenue has grown by 1.19%.
  • Measured over the past years, HBMD shows a quite strong growth in Revenue. The Revenue has been growing by 15.28% on average per year.
EPS 1Y (TTM)257.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%36%
Revenue 1Y (TTM)1.19%
Revenue growth 3Y14.42%
Revenue growth 5Y15.28%
Sales Q2Q%8.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.47% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, HBMD will show a small growth in Revenue. The Revenue will grow by 1.68% on average per year.
EPS Next Y258.67%
EPS Next 2Y78.61%
EPS Next 3Y48.07%
EPS Next 5Y24.47%
Revenue Next Year11.11%
Revenue Next 2Y2.55%
Revenue Next 3Y3.49%
Revenue Next 5Y1.68%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
HBMD Yearly Revenue VS EstimatesHBMD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
HBMD Yearly EPS VS EstimatesHBMD Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0.5 -0.5 1

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3

4. HBMD Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.79, HBMD is valued on the expensive side.
  • The average S&P500 Price/Earnings ratio is at 25.79. HBMD is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 21.76, the valuation of HBMD can be described as rather expensive.
  • The average S&P500 Price/Forward Earnings ratio is at 23.80. HBMD is around the same levels.
Industry RankSector Rank
PE 17.79
Fwd PE 21.76
HBMD Price Earnings VS Forward Price EarningsHBMD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HBMD Per share dataHBMD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • HBMD's earnings are expected to grow with 48.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y78.61%
EPS Next 3Y48.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. HBMD Dividend Analysis

5.1 Amount

  • No dividends for HBMD!.
Industry RankSector Rank
Dividend Yield N/A

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HBMD Fundamentals: All Metrics, Ratios and Statistics

Howard Bancorp Inc

NASDAQ:HBMD (1/21/2022, 8:04:49 PM)

After market: 23.3 0 (0%)

23.3

-0.49 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)03-01
Inst Owners0%
Inst Owner Change0%
Ins Owners11.45%
Ins Owner Change0%
Market Cap438.27M
Revenue(TTM)88.07M
Net Income(TTM)24.49M
Analysts80
Price Target24.48 (5.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17.79
Fwd PE 21.76
P/S 4.98
P/FCF N/A
P/OCF N/A
P/B 1.42
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.31
EY5.62%
EPS(NY)1.07
Fwd EY4.6%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.68
BVpS16.38
TBVpSN/A
PEG (NY)0.07
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 7.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.8%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)257.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%36%
EPS Next Y258.67%
EPS Next 2Y78.61%
EPS Next 3Y48.07%
EPS Next 5Y24.47%
Revenue 1Y (TTM)1.19%
Revenue growth 3Y14.42%
Revenue growth 5Y15.28%
Sales Q2Q%8.21%
Revenue Next Year11.11%
Revenue Next 2Y2.55%
Revenue Next 3Y3.49%
Revenue Next 5Y1.68%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

Howard Bancorp Inc / HBMD Fundamental Analysis FAQ

What is the ChartMill fundamental rating of Howard Bancorp Inc (HBMD) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HBMD.


What is the valuation status of Howard Bancorp Inc (HBMD) stock?

ChartMill assigns a valuation rating of 3 / 10 to Howard Bancorp Inc (HBMD). This can be considered as Overvalued.


Can you provide the profitability details for Howard Bancorp Inc?

Howard Bancorp Inc (HBMD) has a profitability rating of 1 / 10.


What are the PE and PB ratios of Howard Bancorp Inc (HBMD) stock?

The Price/Earnings (PE) ratio for Howard Bancorp Inc (HBMD) is 17.79 and the Price/Book (PB) ratio is 1.42.


How financially healthy is Howard Bancorp Inc?

The financial health rating of Howard Bancorp Inc (HBMD) is 3 / 10.