Howard Bancorp (HBMD) vs. Its Peers Critical Analysis
Howard Bancorp (NASDAQ: HBMD) is one of 311 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Howard Bancorp to similar companies based on the strength of its analyst recommendations, risk, profitability, institutional ownership, dividends, valuation and earnings.
This is a summary of recent ratings and recommmendations for Howard Bancorp and its competitors, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Howard Bancorp Competitors||2177||8443||8505||333||2.36|
Howard Bancorp currently has a consensus target price of $22.00, indicating a potential downside of 0.45%. As a group, “Banks” companies have a potential downside of 5.59%. Given Howard Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Howard Bancorp is more favorable than its competitors.
Risk & Volatility
Howard Bancorp has a beta of -0.07, indicating that its share price is 107% less volatile than the S&P 500. Comparatively, Howard Bancorp’s competitors have a beta of 0.79, indicating that their average share price is 21% less volatile than the S&P 500.
Insider and Institutional Ownership
64.6% of Howard Bancorp shares are held by institutional investors. Comparatively, 52.2% of shares of all “Banks” companies are held by institutional investors. 10.6% of Howard Bancorp shares are held by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares Howard Bancorp and its competitors revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Howard Bancorp||$53.52 million||$5.30 million||32.03|
|Howard Bancorp Competitors||$5.50 billion||$827.87 million||376.99|
Howard Bancorp’s competitors have higher revenue and earnings than Howard Bancorp. Howard Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
This table compares Howard Bancorp and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Howard Bancorp Competitors||18.39%||8.27%||0.93%|
Howard Bancorp competitors beat Howard Bancorp on 8 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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