Howard Bancorp Annual Income Statement (NASDAQ:HBMD)

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$13.65 $0.45 (3.41%) HBMD stock closing price Oct 20, 2016 (Closing)

Financial analysis of Howard Bancorp involves more than just checking the Howard Bancorp stock price, by looking at the financial statements of the company in detail. The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. Like any other income statement, the HBMD income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue decline of $1.34M when compared to the same period in the past. One also needs to look at Howard Bancorp assets, operating expenses and Howard Bancorp free cash flow. The profit and loss statement shows revenue of $45.27M for 2015. Revenue has decreased by $1.34M YoY for HBMD stock. Howard Bancorp revenue for 2015 is $45.27M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010
Howard Bancorp Net Sales or Revenues
Cost Of Goods Sold (COGS)2.61M2.07M1.65M1.77M1.74M2.57M
Howard Bancorp Gross Profit
Research & Development Expense------
Selling General & Admin Expense35.28M26.83M14.15M11.54M11.31M10.34M
Income Before Depreciation Depletion Amortization7.38M17.69M3.22M2.98M2.71M2.08M
Depreciation Depletion Amortization0.46M0.11M0.03M---
Non Operating Income4.34M-----
Interest Expense0.46M0.32M0.24M0.22M0.26M0.33M
Howard Bancorp Pretax Income
Provision for Income Taxes0.97M6.85M0.98M1.13M1.06M0.81M
Minority Interest------
Investment Gains Losses------
Other Income------
Income Before Extraordinaries & Disc Operations1.14M10.41M1.96M1.62M1.38M0.93M
Extraordinary Items & Discontinued Operations------
Howard Bancorp Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS6.18M4.11M4.08M3.27M2.64M-
Average Shares used to compute Basic EPS6.18M4.11M4.08M3.27M2.64M-
Income Before Nonrecurring Items5.49M10.41M1.96M1.62M1.39M-
Income from Nonrecurring Items-4.34M-----
Howard Bancorp Earnings Per Share Basic Net
Howard Bancorp Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.862.500.440.310.35-
Preferred Dividends Acc Pd------
Dividends Common------
Dividend Per Share Common------
All figures in USD. M: Millions of USD, B: Billions of USD.

The key things to look for in an income statement while doing Howard Bancorp stock analysis are:
  • Revenue: This is the inflow that is generated from the sale of goods or services and is $45.27M for this year of 2015. Our Howard Bancorp revenue chart gives a clear visual representation of how the topline growth has been. Investors often invest in only those companies where the revenue is growing at a steady rate.
  • Bottom line: Most businesses like Howard Bancorp try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
The income statement is also called statement of revenue and expense. The financials along with Howard Bancorp historical stock prices provides a lot of details about the firm. .

Howard Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield