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CoverageForm 410-K10-Q8-K13D13G13F

HBMD · Howard Bancorp Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
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AnnualQuarterly

Income Statement

Line itemQ3 '21Q2 '21Q1 '21Q4 '20Q3 '20Q2 '20Q1 '20Q4 '19Q3 '19Q2 '19
Revenue----------
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A----------
Operating Income$5.95M$10.14M$8.41M-$5.95M($27.75M)$2.89M-$6.24M$2.63M
Interest Expense$1.25M$1.30M$1.55M-$2.68M$3.35M$4.70M-$5.74M$5.79M
Income Tax$2.36M$2.68M$2.21M-$1.35M$1.66M($456.0K)-$1.60M$543.0K
Net Income$6.36M$7.46M$6.20M-$4.60M($29.41M)$3.34M-$4.64M$2.09M
EPS - Basic$0.34$0.40$0.33-$0.25($1.57)$0.18-$0.24$0.11
EPS - Diluted$0.34$0.40$0.33-$0.25($1.57)$0.18-$0.24$0.11

Balance Sheet

Line itemQ3 '21Q2 '21Q1 '21Q4 '20Q3 '20Q2 '20Q1 '20Q4 '19Q3 '19Q2 '19
Cash & Equivalents----------
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$2.53B$2.60B$2.63B$2.54B$2.56B$2.46B$2.51B$2.37B$2.29B$2.30B
Current Liabilities----------
Long-term Debt$28.74M$28.69M$28.49M$28.44M$28.39M$28.34M$28.29M$83.24M$28.19M$28.14M
Total Liabilities$2.22B$2.30B$2.33B$2.24B$2.27B$2.18B$2.19B$2.06B$1.98B$1.99B
Stockholders' Equity$308.18M$303.26M$292.68M$294.63M$289.50M$283.28M$315.36M$314.15M$308.75M$303.53M
Retained Earnings$38.19M$31.82M$24.37M$18.17M$13.70M$9.09M$38.50M$35.16M$29.26M$24.62M

Cash Flow

Line itemQ3 '21Q2 '21Q1 '21Q4 '20Q3 '20Q2 '20Q1 '20Q4 '19Q3 '19Q2 '19
Operating Cash Flow--$8.83M---$29.63M---
Investing Cash Flow--($95.22M)---($69.91M)---
Financing Cash Flow--$91.34M---$126.25M---
CapEx--$105.0K---$377.0K---
Free Cash Flow--$8.72M---$29.25M---

Ratios

MetricQ3 '21Q2 '21Q1 '21Q4 '20Q3 '20Q2 '20Q1 '20Q4 '19Q3 '19Q2 '19
Profitability
Gross margin----------
Operating margin----------
EBITDA margin----------
Net margin----------
Free cash flow margin----------
FCF / Net income--1.41---8.75---
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate27.0%26.5%26.3%-22.6%--15.8%-25.6%20.6%
Return on assets0.3%0.3%0.2%-0.2%-1.2%0.1%-0.2%0.1%
Return on equity2.1%2.5%2.1%-1.6%-10.4%1.1%-1.5%0.7%
Return on invested capital1.3%2.2%1.9%-1.4%-7.0%0.8%-1.4%0.6%
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity0.090.090.100.100.100.100.090.260.090.09
Debt / Assets0.010.010.010.010.010.010.010.040.010.01
Debt / EBITDA----------
Interest coverage4.7x7.8x5.4x-2.2x-8.3x0.6x-1.1x0.5x
Equity multiplier8.208.578.978.618.848.707.957.567.437.56
Liabilities / Assets0.880.880.890.880.890.890.870.870.870.87
Efficiency
Asset turnover----------
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E----------
P / B----------
P / S----------
EV / EBITDA----------
Growth
Revenue growth (YoY)----------
Revenue CAGR (3y)----------
Revenue CAGR (5y)----------
Gross profit growth (YoY)----------
Operating income growth (YoY)0.0%-191.5%--4.5%--46.8%-15.2%-
Net income growth (YoY)38.1%-85.5%--0.7%--21.5%-16.5%-
EPS growth (YoY)36.0%-83.3%-4.2%--18.2%-14.3%-
EPS CAGR (3y)17.4%---13.7%-0.0%--1.4%-20.6%
EPS CAGR (5y)6.3%12.7%20.5%---3.7%-36.9%-8.3%
FCF growth (YoY)---70.2%---6386.7%---
FCF CAGR (5y)---3.4%-------
Book value growth (YoY)6.5%7.1%-7.2%-6.2%-6.2%-6.7%4.9%6.6%5.2%4.9%

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

Comparing Howard Bancorp Inc against the 5 most active filers in the same SIC group.