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Howard Bancorp, Inc. (HBMD)

Stock Price: $12.40 USD -0.13 (-1.04%)
Updated November 27, 1:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 232.40M
Revenue (ttm) 78.13M
Net Income (ttm) -15.56M
Shares Out 18.74M
EPS (ttm) -0.83
PE Ratio n/a
Forward PE n/a
Dividend n/a
Dividend Yield n/a

Stock Quote

Trading Day November 27
Last Price $12.40
Previous Close $12.53
Change ($) -0.13
Change (%) -1.04%
Day's Open 12.40
Day's Range 12.05 - 12.57
Day's Volume 9,373
52-Week Range 8.44 - 18.87

More Stats

Market Cap 232.40M
Enterprise Value 431.68M
Earnings Date (est) Jan 27, 2021
Ex-Dividend Date n/a
Shares Outstanding 18.74M
Float 11.67M
EPS (basic) -0.83
EPS (diluted) -0.83
FCF / Share 4.11
Dividend n/a
Dividend Yield n/a
Earnings Yield n/a
FCF Yield 33.17%
Payout Ratio n/a
Shares Short 172,512
Short Ratio 10.94
Short % of Float 1.48%
Beta 0.68
PE Ratio n/a
Forward PE n/a
P/FCF Ratio 3.01
PS Ratio 2.97
PB Ratio 0.81
Revenue 78.13M
Operating Income -11.13M
Net Income -15.56M
Free Cash Flow 77.08M
Net Cash -199.28M
Net Cash / Share -10.63
Gross Margin 110.37%
Operating Margin -14.25%
Profit Margin -19.90%
FCF Margin 98.66%
ROA -0.64%
ROE -5.20%
ROIC -0.40%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (3)

Buy 0
Overweight 0
Hold 3
Underweight 0
Sell 0

Analyst Consensus: Hold

Price Target

$12.75*
(2.82% upside)
Low
12.5
Current: $12.40
High
13.0
Target: 12.75
*Average 12-month price target from 2 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue86.1578.3955.5546.9440.3840.9616.1813.5812.6010.46
Revenue Growth9.9%41.11%18.35%16.25%-1.42%153.08%19.16%7.83%20.47%-
Gross Profit86.1578.3955.5546.9440.3840.9616.1813.5812.6010.46
Operating Income22.07-4.7310.358.242.1217.272.952.762.451.75
Net Income16.88-3.837.205.301.1410.411.961.621.390.93
Shares Outstanding19.0819.039.816.996.964.144.044.042.64-
Earnings Per Share0.89-0.220.750.730.162.480.440.310.350.23
EPS Growth--2.74%356.25%-93.55%463.64%41.94%-11.43%52.17%-
Operating Cash Flow20.5654.8116.902.31-9.07-31.340.744.005.212.62
Capital Expenditures0.663.22-0.41-0.63-5.27-2.01-1.03-0.61-0.70-7.21
Free Cash Flow21.2258.0316.491.68-14.34-33.35-0.293.384.51-4.59
Cash & Equivalents11010128.9758.8838.3424.5235.7436.3618.2111.75
Total Debt31927714912898.8367.6361.6638.9922.9831.02
Net Cash / Debt-209-175-120-68.69-60.49-43.11-25.92-2.63-4.78-19.27
Assets2,3752,2671,1501,027947691500402323300
Liabilities2,0601,9721,018941854632451355286271
Book Value31429513285.7992.9059.6448.6246.7236.6329.29
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Howard Bancorp, Inc.
Country United States
Employees 299
CEO Mary Ann Scully

Stock Information

Ticker Symbol HBMD
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: HBMD

Description

Howard Bancorp 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 Internet banking, merchant card, overnight sweep, and remote deposit capture services; and online and mobile banking services. As of December 31, 2019, the company operated through a network of 16 full service branches, as well as eight mortgage and commercial lending offices located in Maryland. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland.