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Howard Bancorp, Inc. (HBMD)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 37 | 41 | 48 | 68 | 66 | 72 | 81 |
| Operating profit | $m | -1 | - | |||||
| Net profit | $m | 1 | 5 | 7 | -4 | 17 | -17 | 24 |
| EPS reported | $ | -0.91 | 1.31 | |||||
| Operating cashflow per share | $ | 3.23 | 3.23 | |||||
| Capex per share | $ | 0.06 | 0.06 | |||||
| FCF per share | $ | 3.17 | 3.17 | |||||
| Free cash flow | $m | 60 | 35 | |||||
| Net debt | $m | -207 | -170 | |||||
| Book value equity | $m | 295 | 308 | |||||
| Book value per share | $ | 15.70 | 16.31 | |||||
| Number of shares | m | 18.77 | 18.9 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | 0.75 | 1.43 | |||||
| P/S LTM | x | 3.08 | 5.43 | |||||
| P/FCF LTM | x | 3.72 | 12.66 | |||||
| EV/EBITDA LTM | x | 85.33 | 6.12 | |||||
| EV/Sales LTM | x | 4.59 | 3.33 | |||||
| Earnings Yield LTM | % | -7.67% | -3.89% | |||||
| FCF Yield | % | 26.85% | 7.90% | |||||
| Quality | ||||||||
| ROE | % | -5.77% | -5.58% | |||||
| ROIC | % | -0.02% | -0.02% | |||||
| Operating margin | % | -0.69% | -0.69% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 70.16% | 70.16% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +9.87% | +17.00% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | +211.07% | -54.03% | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | 0.25 | 0.14 | |||||
| Net Debt/EBITDA | x | 36.80 | 36.80 | |||||
| EBIT/Net interest | x | -0.05 | -0.05 | |||||
| Net debt/market cap | % | -93.54% | -38.70% | |||||
| Net debt/Equity | x | -0.70 | -0.55 | |||||
| Gross debt/equity | x | 0.82 | 0.78 | |||||
Company overview
Howard Bancorp, Inc. functions as the holding company for Howard Bank, providing a comprehensive suite of financial services. These offerings encompass commercial and mortgage banking, alongside consumer finance, catering to a diverse clientele including businesses, their owners, professionals, and individual consumers. Customers can choose from various deposit products such as demand accounts, money market accounts, savings accounts, and individual retirement accounts, in addition to commercial and retail checking options and certificates of deposit. The bank also extends a broad spectrum of commercial lending solutions. These include lines of credit, revolving facilities, financing for accounts receivable and inventory, term loans, equipment loans, and Small Business Administration (SBA) loans. Furthermore, it offers stand-by letters of credit, unsecured loans, and equipment leasing. For real estate, the institution provides commercial mortgage financing for both owner-occupied and investment properties, construction loans, and residential mortgage products. Personal lending options, both secured and unsecured, are also available. Beyond core banking, the company furnishes essential services like wire transfers, automated teller machines (ATMs), debit cards, and safe deposit box rentals. Credit card services are facilitated through a third-party provider. Its offerings also extend to advanced business functionalities such as merchant card processing, overnight sweep services, check positive pay, and remote deposit capture. Modern digital banking through online and mobile platforms is also provided. As of December 31, 2020, Howard Bancorp, Inc. maintained an operational presence across Maryland, utilizing a network of 15 full-service branches and 8 specialized commercial lending offices. The company was established in 2004 and has its primary headquarters situated in Baltimore, Maryland.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Howard Bancorp, Inc. (HBMD)
Howard Bancorp, Inc. functions as the holding company for Howard Bank, providing a comprehensive suite of financial services. These offerings encompass commercial and mortgage banking, alongside consumer finance, catering to a diverse clientele including businesses, their owners, professionals, and individual consumers. Customers can choose from various deposit products such as demand accounts, money market accounts, savings accounts, and individual retirement accounts, in addition to commercial and retail checking options and certificates of deposit. The bank also extends a broad spectrum of commercial lending solutions. These include lines of credit, revolving facilities, financing for accounts receivable and inventory, term loans, equipment loans, and Small Business Administration (SBA) loans. Furthermore, it offers stand-by letters of credit, unsecured loans, and equipment leasing. For real estate, the institution provides commercial mortgage financing for both owner-occupied and investment properties, construction loans, and residential mortgage products. Personal lending options, both secured and unsecured, are also available. Beyond core banking, the company furnishes essential services like wire transfers, automated teller machines (ATMs), debit cards, and safe deposit box rentals. Credit card services are facilitated through a third-party provider. Its offerings also extend to advanced business functionalities such as merchant card processing, overnight sweep services, check positive pay, and remote deposit capture. Modern digital banking through online and mobile platforms is also provided. As of December 31, 2020, Howard Bancorp, Inc. maintained an operational presence across Maryland, utilizing a network of 15 full-service branches and 8 specialized commercial lending offices. The company was established in 2004 and has its primary headquarters situated in Baltimore, Maryland.
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