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

  • In the past year HBMD was profitable.
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

  • The Operating Margin and Gross Margin are not available for HBMD so they could not be analyzed.
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.
  • Compared to 1 year ago, HBMD has an improved debt to assets ratio.
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

  • HBMD has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
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.
  • Looking at the last year, HBMD shows a small growth in Revenue. The Revenue has grown by 1.19% in the last year.
  • HBMD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.28% yearly.
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

  • HBMD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.47% yearly.
  • The Revenue is expected to grow by 1.68% on average over the next years.
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

  • HBMD is valuated rather expensively with a Price/Earnings ratio of 17.79.
  • HBMD is valuated rather cheaply when we compare the Price/Earnings ratio to 26.86, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 21.76, HBMD is valued on the expensive side.
  • HBMD is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 37.39, which is the current average of the S&P500 Index.
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 10 20 30

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

  • HBMD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as HBMD's earnings are expected to grow with 48.07% in the coming years.
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

  • HBMD does not give a dividend.
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 for HBMD stock?

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


What is the profitability of HBMD stock?

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


What is the financial health of Howard Bancorp Inc (HBMD) stock?

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


Can you provide the dividend sustainability for HBMD stock?

The dividend rating of Howard Bancorp Inc (HBMD) is 0 / 10 and the dividend payout ratio is 0%.