Analyzing Howard Bancorp (NASDAQ:HBMD) and Its Peers

Howard Bancorp (NASDAQ: HBMD) is one of 306 public companies in the “Banks” industry, but how does it compare to its rivals? We will compare Howard Bancorp to related businesses based on the strength of its valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Analyst Ratings

This is a summary of recent recommendations for Howard Bancorp and its rivals, as provided by

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Howard Bancorp 0 0 2 0 3.00
Howard Bancorp Competitors 2270 8776 8729 361 2.36

Howard Bancorp currently has a consensus target price of $22.00, suggesting a potential downside of 4.14%. As a group, “Banks” companies have a potential downside of 9.54%. Given Howard Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Howard Bancorp is more favorable than its rivals.

Insider and Institutional Ownership

64.6% of Howard Bancorp shares are owned by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are owned by institutional investors. 10.6% of Howard Bancorp shares are owned by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Volatility and Risk

Howard Bancorp has a beta of -0.08, suggesting that its share price is 108% less volatile than the S&P 500. Comparatively, Howard Bancorp’s rivals have a beta of 0.78, suggesting that their average share price is 22% less volatile than the S&P 500.


This table compares Howard Bancorp and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Howard Bancorp 11.53% 5.31% 0.61%
Howard Bancorp Competitors 18.88% 8.25% 0.93%

Earnings and Valuation

This table compares Howard Bancorp and its rivals top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Howard Bancorp $53.52 million $5.30 million 33.26
Howard Bancorp Competitors $5.50 billion $827.87 million 393.86

Howard Bancorp’s rivals have higher revenue and earnings than Howard Bancorp. Howard Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.


Howard Bancorp rivals beat Howard Bancorp on 8 of the 13 factors compared.

Howard Bancorp Company Profile

Howard Bancorp, Inc. is the bank holding company of Howard Bank. The Company’s primary business is to own all of the capital stock of Howard Bank. The Company operates through Community Banking segment. Howard Bank is a trust company, which has approximately four operating subsidiaries. The Company offers a range of services to its customers, including wire transfer services, automated teller machine (ATM) and check cards, ATMs at all of its service branch locations, safe deposit boxes at all service locations and credit cards through a third-party processor. Additionally, it provides Internet banking services to its customers and merchant card services for its business customers. The Company’s primary market focus is on making loans to and gathering deposits from small and medium size businesses and their owners, professionals and executives, and high-net-worth individuals in its primary market area.

Receive News & Ratings for Howard Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Howard Bancorp and related companies with's FREE daily email newsletter.

Leave a Reply