Howard Bancorp (HBMD) vs. Its Rivals Financial Contrast

Howard Bancorp (NASDAQ: HBMD) is one of 72 publicly-traded companies in the “Banks – NEC” industry, but how does it weigh in compared to its peers? We will compare Howard Bancorp to similar companies based on the strength of its valuation, risk, institutional ownership, dividends, earnings, profitability and analyst recommendations.

Valuation and Earnings

This table compares Howard Bancorp and its peers gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Howard Bancorp $53.52 million $5.30 million 31.86
Howard Bancorp Competitors $392.42 million $77.96 million 42.75

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

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Howard Bancorp and its peers, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Howard Bancorp 0 0 2 0 3.00
Howard Bancorp Competitors 92 446 402 14 2.35

Howard Bancorp currently has a consensus price target of $22.00, suggesting a potential downside of 1.35%. As a group, “Banks – NEC” companies have a potential downside of 1.51%. Given Howard Bancorp’s stronger consensus rating and higher probable upside, research analysts clearly believe Howard Bancorp is more favorable than its peers.

Risk and Volatility

Howard Bancorp has a beta of 0.2, meaning that its stock price is 80% less volatile than the S&P 500. Comparatively, Howard Bancorp’s peers have a beta of 0.54, meaning that their average stock price is 46% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Howard Bancorp 10.57% 5.33% 0.58%
Howard Bancorp Competitors 18.52% 8.30% 0.84%

Insider & Institutional Ownership

64.6% of Howard Bancorp shares are held by institutional investors. Comparatively, 40.0% of shares of all “Banks – NEC” companies are held by institutional investors. 10.6% of Howard Bancorp shares are held by insiders. Comparatively, 10.6% of shares of all “Banks – NEC” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Howard Bancorp peers beat Howard Bancorp on 9 of the 13 factors compared.

About Howard Bancorp

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.

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