Howard Bancorp Inc (HBMD)

Common Stock

23.3  -0.49 (-2.06%)

After market: 23.3 0 (0%)

Fundamental Rating

2

Taking everything into account, HBMD scores 2 out of 10 in our fundamental rating. HBMD was compared to 412 industry peers in the Banks industry. HBMD may be in some trouble as it scores bad on both profitability and health. HBMD is quite expensive at the moment. It does show a decent growth rate.



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1. Profitability

1.1 Basic Checks

In the past year HBMD was profitable.

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

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

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2. Health

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.

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

2.3 Liquidity

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

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 257.83% over the past year.
Looking at the last year, HBMD shows a small growth in Revenue. The Revenue has grown by 1.19% in the last year.
The Revenue has been growing by 15.28% on average over the past years. This is quite good.
EPS 1Y (TTM)257.83%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q36%
Revenue 1Y (TTM)1.19%
Revenue growth 3Y14.42%
Revenue growth 5Y15.28%
Revenue growth Q2Q8.21%

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

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

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 28.28. HBMD is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 21.76 indicates a rather expensive valuation of HBMD.
The average S&P500 Price/Forward Earnings ratio is at 20.88. HBMD is around the same levels.
Industry RankSector Rank
PE 17.79
Fwd PE 21.76

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

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.
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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5. Dividend

5.1 Amount

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

Howard Bancorp Inc

NASDAQ:HBMD (1/21/2022, 7:04:49 PM)

After market: 23.3 0 (0%)

23.3

-0.49 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap438.27M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 17.79
Fwd PE 21.76
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.07
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.97%
ROE 7.95%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 27.8%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)257.83%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y258.67%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)1.19%
Revenue growth 3Y14.42%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y