Event-Driven Stocks

Howard Bancorp Inc

Financials · State Commercial Banks · MD · SEC filings ↗ · Compare ⊕

Signs● 2 good● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY20FY19FY18FY17FY16FY15
Revenue$2.1M$2.7M$2.2M$923,000$694,000—
Operating income——————
Net income−$17.0M$16.9M−$3.8M$7.2M$5.3M$1.1M
Total assets$2.54B$2.37B$2.27B$1.15B$1.03B$946.8M
Total liabilities$2.24B$2.06B$1.97B$1.02B$941.2M$853.9M
Equity$294.6M$314.1M$294.7M$132.3M$85.8M$92.9M
EPS (diluted)$0.18$0.22$-0.43$0.18$0.73$0.16
Shares out.18.7M19.1M9.8M9.8M7.0M4.1M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2020
Operating margin
—
Net margin
−803.0%
Return on equity
−5.8%
Return on assets
−0.7%
Return on capital (ROCE)
—
Liabilities / assets
88.4%
Debt / equity
7.61×
Book value / share
$15.74
Revenue growth (YoY)
−23.0%
Net income growth (YoY)
−200.7%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2020
Accruals / assets
−3.1%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
37
/ 100
Profitability 0Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 2 good
  • Reported a net loss
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Insider transactions

SEC Form 4 · most recent
0 acquisitions12 disposalsnet −461,322 shares · last 12
InsiderDateTypeSharesPrice
Feinglass HowardDirectorJan 22, 2022D33,605—
Schwabe Charles E.Officer — EVP-CROJan 22, 2022D56,138—
Poynot StevenOfficer — EVP-CIOJan 22, 2022D4,758—
Turner Frank K JrOfficer — EVP-CCBOJan 22, 2022D12,027—
Mckone Steven DrewOfficer — EVP-CDOJan 22, 2022D5,370—
Jones Thomas RandyOfficer — EVP-CLOJan 22, 2022D5,630—
Scully Mary AnnOfficer — CEO/ChairmanJan 22, 2022D162,356—
Carpenter Robert L JrOfficer — EVP-CFOJan 22, 2022D15,712—
Kunisch Robert D Jr.Officer — President/COOJan 22, 2022D135,730—
Howard Joseph FOfficer — EVP-General CounselJan 22, 2022D8,352—
Singh Linda LDirectorJan 22, 2022D1,948—
Staton Donna HillDirectorJan 22, 2022D19,696—

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)