HBMD — Stock Film
STOCK FILMSCENE 1/11HBMD · $23.30
Stock Expert AI presents
HBMD
Howard Bancorp, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Howard Bancorp, Inc. A quick introduction.

On the stock market since 2006, it operates in the world of money and finance. It has 235 employees. Now — the numbers.

on the stock market since 2006
235 employees
$0 market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.2.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

WHERE DOES THE MONEY COME FROM?
69%Financial Service Other
Financial Service Other 69%Deposit Account 31%
69% of all revenue comes from a single line: Financial Service Other.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 17% a year over the last 4 years. Red columns mark years that ended in a loss.

$46M
2016
$53.7M
2017
$81.3M
2018
$87.7M
2019
$84.8M
2020
In the vault right now:
$0
DEBT: $242.7M
At this pace, that money lasts about 26.5 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
4 / 8
EXPECTATIONS MET OR BEATEN
4
Jan 2020
Apr 2020
Jul 2020
Oct 2020
Jan 2021
Apr 2021
Jul 2021
Oct 2021
4 TIMES IN THE LAST 8 QUARTERS
A mixed scorecard.
THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/2
Sales keep climbing

Over the last 3 years, sales grew about 16% a year on average.

2
THE BRIGHT SIDE · 2/2
The product is selling

Sales run at $84.8M a year. A small number, but proof the product has real buyers.

1
THE RISKS · 1/2
Running at a loss

A loss of $17.0M against $84.8M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/2
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
D
0 / 100 · MoonshotScore

On our five-subject report card, HBMD sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: HBMD is a high-risk stock — not yet profitable, and its future rides on its product catching on.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Jul 24, 2026 · stockexpertai.com · Stock Film