$297.7 M

HBMD Mkt cap, 04-Dec-2018

$26.3 M

Howard Bancorp Revenue Q3, 2018
Howard Bancorp Gross profit (Q3, 2018)22.5 M
Howard Bancorp Gross profit margin (Q3, 2018), %85.6%
Howard Bancorp Net income (Q3, 2018)4 M
Howard Bancorp EBIT (Q3, 2018)18.6 M
Howard Bancorp Cash, 30-Sep-2018101.7 M
Howard Bancorp EV424 M

Howard Bancorp Revenue

Howard Bancorp revenue was $62.55 m in FY, 2017

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Howard Bancorp Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

19.0m23.4m45.3m53.5m62.6m

Revenue growth, %

32%43%60%

Cost of goods sold

1.9m2.4m3.1m4.6m5.2m

Gross profit

17.1m21.0m42.2m49.0m57.4m

Gross profit Margin, %

90%90%93%91%92%

Sales and marketing expense

7.4m17.2m19.0m23.6m

General and administrative expense

1.6mwdxefcqufszuzezftuxetqsqxt3.8m4.6m4.2m

Operating expense total

13.2m38.3m38.7m45.2m

EBIT

15.8m21.0m30.3m34.2m37.9m

EBIT margin, %

83%90%67%64%61%

Interest income

21.0m

Pre tax profit

2.9m17.3m2.1m8.2m10.4m

Income tax expense

984.0k6.9m973.0k2.9m3.2m

Net Income

2.0m10.4m1.1m5.3m7.2m

Howard Bancorp Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

35.7m24.5m38.3m39.4m29.0m

Accounts Receivable

Inventories

Goodwill

603.0k603.0k603.0k

Total Assets

499.9m691.4m946.8m1.0b1.1b

Accounts Payable

388.9m747.4m808.7m863.9m

Short-term debt

45.7m48.6m69.1m107.1m130.4m

Long-term debt

16.0m19.0m29.7m20.5m18.5m

Total Debt

61.7m67.6m98.8m127.6m148.9m

Total Liabilities

451.3m853.9m941.2m1.0b

Additional Paid-in Capital

37.6m38.4m70.6m71.0m110.4m

Retained Earnings

(1.6m)9.7m14.8m22.1m

Total Equity

92.9m85.8m132.3m

Debt to Equity Ratio

1.1 x1.5 x1.1 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x0.1 x

Financial Leverage

10.2 x12 x8.7 x

Howard Bancorp Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

2.0m10.4m1.1m5.3m7.2m

Depreciation and Amortization

599.0k734.0k1.0m1.2m1.3m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

740.0k(31.1m)(7.4m)2.8m16.9m

Cash From Investing Activities

(62.6m)11.4m(33.8m)(79.2m)(142.5m)

Long-term Borrowings

(8.0m)(9.0m)(9.0m)(12.0m)(17.0m)

Cash From Financing Activities

61.3m8.5m55.0m77.4m115.2m

Howard Bancorp Ratios

USDY, 2018

EV/EBIT

22.7 x

EV/CFO

9.2 x

Debt/Equity

0.8 x

Debt/Assets

0.1 x

Financial Leverage

7.3 x
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Howard Bancorp Employee Rating

3.426 votes
Culture & Values
3.8
Work/Life Balance
3.6
Senior Management
3.6
Salary & Benefits
3.8
Career Opportunities
3.3
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