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Howard Bancorp, Inc. (HBMD)

Stock Price: $10.13 USD 0.19 (1.91%)
Updated Aug 10, 2020 11:42 AM EDT - Market open

Stock Price Chart

Key Info

Market Cap 189.59M
Revenue (ttm) 80.36M
Net Income (ttm) 15.97M
Shares Out 18.72M
EPS (ttm) -0.82
PE Ratio n/a
Forward PE n/a
Dividend n/a
Dividend Yield n/a

Stock Quote

Trading Day Aug 10, 2020
Last Price $10.13
Previous Close $9.94
Change ($) 0.19
Change (%) 1.91%
Day's Open 10.04
Day's Range 9.99 - 10.20
Day's Volume 16,135
52-Week Range 8.44 - 19.20

More Stats

Market Cap 189.59M
Enterprise Value 371.25M
Earnings Date (est) Oct 22, 2020
Ex-Dividend Date n/a
Shares Outstanding 18.72M
Float 14.25M
EPS (basic) 0.84
EPS (diluted) -0.82
FCF / Share 2.67
Dividend n/a
Dividend Yield n/a
Earnings Yield n/a
FCF Yield 26.39%
Payout Ratio n/a
Shares Short 159,695
Short Ratio 3.55
Short % of Float 1.80%
Beta 0.55
PE Ratio n/a
Forward PE n/a
P/FCF Ratio 3.79
PS Ratio 2.36
PB Ratio 0.64
Revenue 80.36M
Operating Income 19.53M
Net Income 15.97M
Free Cash Flow 50.03M
Net Cash -181.66M
Net Cash / Share -9.71
Gross Margin 106.28%
Operating Margin 24.31%
Profit Margin 19.20%
FCF Margin 62.26%
ROA -0.65%
ROE -5.29%
ROIC 0.80%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (4)

Buy 0
Overweight 1
Hold 3
Underweight 0
Sell 0

Analyst Consensus: Overweight

Price Target

(13.52% upside)
Current: $10.13
Target: 11.50
*Average 12-month price target from 3 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

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.
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
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


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. 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.