Critical Review: Howard Bancorp (HBMD) versus The Competition
Howard Bancorp (NASDAQ: HBMD) is one of 255 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare Howard Bancorp to related businesses based on the strength of its analyst recommendations, institutional ownership, valuation, risk, profitability, dividends and earnings.
Insider & Institutional Ownership
64.6% of Howard Bancorp shares are owned by institutional investors. Comparatively, 55.6% of shares of all “Banks” companies are owned by institutional investors. 10.6% of Howard Bancorp shares are owned by insiders. Comparatively, 9.5% of shares of all “Banks” companies are owned by 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.
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 Competitors||18.32%||8.20%||0.93%|
Risk & Volatility
Howard Bancorp has a beta of 0.2, suggesting that its stock price is 80% less volatile than the S&P 500. Comparatively, Howard Bancorp’s peers have a beta of 0.86, suggesting that their average stock price is 14% less volatile than the S&P 500.
Valuation and Earnings
This table compares Howard Bancorp and its peers top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Howard Bancorp||$53.52 million||$5.30 million||32.43|
|Howard Bancorp Competitors||$6.51 billion||$982.87 million||79.58|
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.
This is a breakdown of recent recommendations for Howard Bancorp and its peers, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Howard Bancorp Competitors||2097||8167||8241||321||2.36|
Howard Bancorp presently has a consensus target price of $22.00, indicating a potential downside of 3.08%. As a group, “Banks” companies have a potential upside of 3.77%. Given Howard Bancorp’s peers higher possible upside, analysts clearly believe Howard Bancorp has less favorable growth aspects than its peers.
Howard Bancorp peers beat Howard Bancorp on 9 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.
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