Howard Bancorp, Inc. (HBMD): Price and Financial Metrics

HBMD POWR Grades

• HBMD scores best on the Momentum dimension, with a Momentum rank ahead of 91.82% of US stocks.
• The strongest trend for HBMD is in Sentiment, which has been heading down over the past 160 days.
• HBMD ranks lowest in Value; there it ranks in the 13th percentile.

HBMD Stock Summary

• The ratio of debt to operating expenses for Howard Bancorp Inc is higher than it is for about 80.72% of US stocks.
• HBMD's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 88.48% of US stocks.
• In terms of twelve month growth in earnings before interest and taxes, Howard Bancorp Inc is reporting a growth rate of -395%; that's higher than just 4.99% of US stocks.
• If you're looking for stocks that are quantitatively similar to Howard Bancorp Inc, a group of peers worth examining would be CBFV, SBT, PNBK, ATNI, and KFFB.
• Visit HBMD's SEC page to see the company's official filings. To visit the company's web site, go to www.howardbank.com.

HBMD Valuation Summary

• HBMD's EV/EBIT ratio is 17.9; this is 108.14% higher than that of the median Financial Services stock.
• Over the past 113 months, HBMD's price/earnings ratio has gone down 1.7.
• HBMD's EV/EBIT ratio has moved up 9.2 over the prior 113 months.

Below are key valuation metrics over time for HBMD.

HBMD Growth Metrics

The 5 year net income to common stockholders growth rate now stands at 1127.36%.
• Its 4 year revenue growth rate is now at 95.51%.
• The 2 year net income to common stockholders growth rate now stands at 39046.34%.

HBMD's revenue has moved up $6,966,000 over the prior 33 months.

The table below shows HBMD's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-09-30	85.353	35.975	24.489
2021-06-30	81.983	32.812	22.733
2021-03-31	79.427	39.863	-14.132
2020-12-31	76.116	60.667	-16.991
2020-09-30	78.127	76.916	-15.562
2020-06-30	81.106	69.253	-15.529

HBMD's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• HBMD has a Quality Grade of C, ranking ahead of 30.83% of graded US stocks.
• HBMD's asset turnover comes in at 0.032 -- ranking 339th of 430 Banking stocks.
• CURO, HOPE, and FCNCA are the stocks whose asset turnover ratios are most correlated with HBMD.

The table below shows HBMD's key quality metrics over time.