Old Line Bancshares Inc (OLBK) Stock Analysis

OLBK- NAS (USA)
Old Line Bancshares Inc

Currently 2/5

Business Predictability Rank: 2-Star
Back Testing Results:
Average gain of all 2-Star stocks: 6% per year.
% of Stocks that are in still loss if held for 10yrs: 16%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies

$28

0(0%) Volume: 24,004 1:01AM EST

Avg Vol (1m): 32,301

Warning! GuruFocus has detected 1 Severe Warning Sign with OLBK. Click here to check it out.

Market Cap	305.65 M	P/E(ttm)	23.53
Enterprise Value	487.68 M	P/B	2.05

$28 (1y: +58%)

Today's Updates:

Insider: COO Semanie Mark A Buys 1000 Shares
Insider: Director Suit John M II Buys 1000 Shares

RSS

Manual of Stocks™ Web APP

Manual of Stocks™

Sorry. Only PremiumPlus Member can access this feature.

Free Trial

Financial Strength : 5/10

		vs industry	vs history
Cash to Debt	0.11	OLBK's Cash to Debt is ranked lower than 93% of the 1601 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.09 vs. OLBK: 0.11 ) Ranked among companies with meaningful Cash to Debt only.	OLBK' s Cash to Debt Range Over the Past 10 Years Min: 0.1 Med: 0.48 Max: 2.09 Current: 0.11 0.1 - 2.09
Equity to Asset	0.09	OLBK's Equity to Asset is ranked lower than 62% of the 1606 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.10 vs. OLBK: 0.09 ) Ranked among companies with meaningful Equity to Asset only.	OLBK' s Equity to Asset Range Over the Past 10 Years Min: 0.08 Med: 0.1 Max: 0.2 Current: 0.09 0.08 - 0.2
Interest Coverage	2.65	OLBK's Interest Coverage is ranked higher than 63% of the 1550 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.68 vs. OLBK: 2.65 ) Ranked among companies with meaningful Interest Coverage only.	OLBK' s Interest Coverage Range Over the Past 10 Years Min: 0.38 Med: 1.69 Max: 3.26 Current: 2.65 0.38 - 3.26

F-Score: 4
M-Score: -3.15
WACC vs ROIC	4.88% 4.74% WACC ROIC

Profitability & Growth : 7/10

		vs industry	vs history
Operating margin (%)	32.63	OLBK's Operating margin (%) is ranked higher than 54% of the 1618 Companies in the Global Banks - Regional - US industry. ( Industry Median: 31.05 vs. OLBK: 32.63 ) Ranked among companies with meaningful Operating margin (%) only.	OLBK' s Operating margin (%) Range Over the Past 10 Years Min: 16.27 Med: 24.63 Max: 32.63 Current: 32.63 16.27 - 32.63
Net-margin (%)	21.50	OLBK's Net-margin (%) is ranked lower than 54% of the 1616 Companies in the Global Banks - Regional - US industry. ( Industry Median: 22.45 vs. OLBK: 21.50 ) Ranked among companies with meaningful Net-margin (%) only.	OLBK' s Net-margin (%) Range Over the Past 10 Years Min: 10.08 Med: 16.74 Max: 21.5 Current: 21.5 10.08 - 21.5
ROE (%)	8.87	OLBK's ROE (%) is ranked higher than 53% of the 1615 Companies in the Global Banks - Regional - US industry. ( Industry Median: 8.52 vs. OLBK: 8.87 ) Ranked among companies with meaningful ROE (%) only.	OLBK' s ROE (%) Range Over the Past 10 Years Min: 3.99 Med: 6.48 Max: 10.54 Current: 8.87 3.99 - 10.54
ROA (%)	0.82	OLBK's ROA (%) is ranked lower than 56% of the 1623 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. OLBK: 0.82 ) Ranked among companies with meaningful ROA (%) only.	OLBK' s ROA (%) Range Over the Past 10 Years Min: 0.4 Med: 0.72 Max: 0.9 Current: 0.82 0.4 - 0.9
Revenue Growth (3Y)(%)	1.30	OLBK's Revenue Growth (3Y)(%) is ranked lower than 64% of the 1355 Companies in the Global Banks - Regional - US industry. ( Industry Median: 4.20 vs. OLBK: 1.30 ) Ranked among companies with meaningful Revenue Growth (3Y)(%) only.	OLBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years Min: -2.7 Med: 3.6 Max: 73.7 Current: 1.3 -2.7 - 73.7
EBITDA Growth (3Y)(%)	7.20	OLBK's EBITDA Growth (3Y)(%) is ranked higher than 56% of the 1254 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.20 vs. OLBK: 7.20 ) Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.	OLBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years Min: -3.6 Med: 7.9 Max: 23.3 Current: 7.2 -3.6 - 23.3
EPS Growth (3Y)(%)	11.70	OLBK's EPS Growth (3Y)(%) is ranked higher than 63% of the 1230 Companies in the Global Banks - Regional - US industry. ( Industry Median: 7.50 vs. OLBK: 11.70 ) Ranked among companies with meaningful EPS Growth (3Y)(%) only.	OLBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years Min: -8.9 Med: 8.2 Max: 39.7 Current: 11.7 -8.9 - 39.7

GuruFocus has detected 5 Warning Signs with Old Line Bancshares Inc $OLBK.

More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.

» OLBK's 10-Y Financials

Financials

Revenue & Net Income

Equity & Asset

Oprt. Cash Flow & Free Cash Flow

Oprt. Cash Flow & Net Income

» OLBK's Warning Signs

Warning Signs

Subscribe to see Warning Signs. .

Start your free trial

» Details

Guru Trades

Q4 2015

Q1 2016

Q2 2016

Q3 2016

» Details

Insider Trades

Latest Guru Trades with OLBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Select Gurus: | Basic | Premium

| Premium Plus

No Entry found in the selected group of Gurus. You can

1. Modify your Personalized List of Gurus, or
2. Click on Premium above to check out all the Gurus, or
3. Click on Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry:	Banks » Banks - Regional - US NAICS: 522110 SIC: 6022
Compare:	NAS:NKSH, NAS:AMNB, NAS:FNLC, NAS:ATLO, NAS:CZNC, NAS:OSBC, NAS:PFIS, NAS:WNEB, NAS:ANCX, NAS:TBBK, NAS:FFKT, NAS:SMMF, NAS:CNBKA, NAS:CCNE, NAS:MCBC, NAS:MBTF, NAS:CCBG, NAS:MBVT, OTCPK:CATC, NAS:CHFN » details

Old Line Bancshares Inc is the holding company for Old Line Bank. The Company is engaged in general commercial banking business, making different types of loans and accepting deposits.

Old Line Bancshares Inc was incorporated under the laws of the State of Maryland on April 11, 2003 to serve as the holding company of Old Line Bank. The main business of the Company is to own all of the capital stock of Old Line Bank. The Company is engaged in a general commercial banking business, making various types of loans and accepting deposits. It markets its financial services to small to medium sized businesses, entrepreneurs, professionals, consumers and high net worth clients. Its current main market area is the suburban Maryland, Washington, D.C. suburbs counties of Anne Arundel, Calvert, Charles, Prince George's and St. Mary's. The Company's lending activities consist generally of short to medium term commercial business loans, commercial real estate loans, real estate construction loans, home equity loans and consumer installment loans, both secured and unsecured. It finances commercial real estate for its clients, usually for owner occupied properties. The Company's commercial business lending consists of lines of credit, revolving credit facilities, accounts receivable financing, term loans, equipment loans, SBA loans, stand-by letters of credit and unsecured loans. It originates commercial loans for any business purpose including the financing of leasehold improvements and equipment, the carrying of accounts receivable, general working capital, and contract administration and acquisition activities. Its real estate construction lending business consists of funds for construction of single family residences, multi-family housing and commercial buildings. These loans have short durations, meaning maturities typically of nine months or less. Residential houses, multi-family dwellings and commercial buildings under construction and the underlying land for which the loan was obtained secure the construction loans. It offers various types of secured and unsecured consumer loans. It offers a variety of consumer-oriented residential real estate loans. It also offers fixed rate home improvement loans. The Company also makes consumer loans for personal, family or household purposes as a convenience to its customer base. It offers its customers safe deposit boxes, wire transfer services, debit cards, ATM machines at all of its branch locations and credit cards through a third party processor. Additionally, it provides Internet banking capabilities to its customers. In addition, the Company provides other commercial account services including: direct deposit of payroll for its commercial clients' employees, an overnight sweep service and remote deposit capture service. It offers deposit products that include demand, NOW, money market and savings accounts as well as certificates of deposit. It competes with other commercial banks, savings associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions o

Ratios

		vs industry	vs history
P/E(ttm)	23.53	OLBK's P/E(ttm) is ranked lower than 82% of the 1487 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.20 vs. OLBK: 23.53 ) Ranked among companies with meaningful P/E(ttm) only.	OLBK' s P/E(ttm) Range Over the Past 10 Years Min: 9.03 Med: 18.6 Max: 30.79 Current: 23.53 9.03 - 30.79
Forward P/E	16.89	OLBK's Forward P/E is ranked lower than 61% of the 365 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.95 vs. OLBK: 16.89 ) Ranked among companies with meaningful Forward P/E only.	N/A
PE(NRI)	23.53	OLBK's PE(NRI) is ranked lower than 82% of the 1487 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.23 vs. OLBK: 23.53 ) Ranked among companies with meaningful PE(NRI) only.	OLBK' s PE(NRI) Range Over the Past 10 Years Min: 9.03 Med: 18.6 Max: 30.79 Current: 23.53 9.03 - 30.79
Price/Owner Earnings (ttm)	18.04	OLBK's Price/Owner Earnings (ttm) is ranked lower than 63% of the 858 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.82 vs. OLBK: 18.04 ) Ranked among companies with meaningful Price/Owner Earnings (ttm) only.	OLBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years Min: 0.45 Med: 13.05 Max: 142.69 Current: 18.04 0.45 - 142.69
P/B	2.05	OLBK's P/B is ranked lower than 86% of the 1605 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.16 vs. OLBK: 2.05 ) Ranked among companies with meaningful P/B only.	OLBK' s P/B Range Over the Past 10 Years Min: 0.5 Med: 1.11 Max: 2.09 Current: 2.05 0.5 - 2.09
P/S	5.04	OLBK's P/S is ranked lower than 78% of the 1584 Companies in the Global Banks - Regional - US industry. ( Industry Median: 3.43 vs. OLBK: 5.04 ) Ranked among companies with meaningful P/S only.	OLBK' s P/S Range Over the Past 10 Years Min: 1.52 Med: 2.86 Max: 7.6 Current: 5.04 1.52 - 7.6
PFCF	24.80	OLBK's PFCF is ranked lower than 76% of the 824 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.98 vs. OLBK: 24.80 ) Ranked among companies with meaningful PFCF only.	OLBK' s PFCF Range Over the Past 10 Years Min: 4.43 Med: 14.43 Max: 930 Current: 24.8 4.43 - 930
POCF	21.48	OLBK's POCF is ranked lower than 76% of the 892 Companies in the Global Banks - Regional - US industry. ( Industry Median: 12.72 vs. OLBK: 21.48 ) Ranked among companies with meaningful POCF only.	OLBK' s POCF Range Over the Past 10 Years Min: 3.6 Med: 11.67 Max: 26.19 Current: 21.48 3.6 - 26.19
EV-to-EBIT	25.23	OLBK's EV-to-EBIT is ranked lower than 82% of the 1214 Companies in the Global Banks - Regional - US industry. ( Industry Median: 12.03 vs. OLBK: 25.23 ) Ranked among companies with meaningful EV-to-EBIT only.	OLBK' s EV-to-EBIT Range Over the Past 10 Years Min: 7.2 Med: 16.8 Max: 45.2 Current: 25.23 7.2 - 45.2
EV-to-EBITDA	22.09	OLBK's EV-to-EBITDA is ranked lower than 80% of the 1227 Companies in the Global Banks - Regional - US industry. ( Industry Median: 11.12 vs. OLBK: 22.09 ) Ranked among companies with meaningful EV-to-EBITDA only.	OLBK' s EV-to-EBITDA Range Over the Past 10 Years Min: 6.3 Med: 13.8 Max: 41.5 Current: 22.09 6.3 - 41.5
PEG	5.53	OLBK's PEG is ranked lower than 87% of the 783 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.42 vs. OLBK: 5.53 ) Ranked among companies with meaningful PEG only.	OLBK' s PEG Range Over the Past 10 Years Min: 0.51 Med: 1.66 Max: 6.3 Current: 5.53 0.51 - 6.3
Shiller P/E	36.97	OLBK's Shiller P/E is ranked lower than 84% of the 487 Companies in the Global Banks - Regional - US industry. ( Industry Median: 21.01 vs. OLBK: 36.97 ) Ranked among companies with meaningful Shiller P/E only.	OLBK' s Shiller P/E Range Over the Past 10 Years Min: 21.52 Med: 24.92 Max: 37.62 Current: 36.97 21.52 - 37.62

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	0.86	OLBK's Dividend Yield is ranked lower than 91% of the 2353 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.66 vs. OLBK: 0.86 ) Ranked among companies with meaningful Dividend Yield only.	OLBK' s Dividend Yield Range Over the Past 10 Years Min: 0.83 Med: 1.29 Max: 2.61 Current: 0.86 0.83 - 2.61
Dividend Payout	0.24	OLBK's Dividend Payout is ranked higher than 68% of the 1310 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.33 vs. OLBK: 0.24 ) Ranked among companies with meaningful Dividend Payout only.	OLBK' s Dividend Payout Range Over the Past 10 Years Min: 0.15 Med: 0.24 Max: 0.32 Current: 0.24 0.15 - 0.32
Dividend Growth (3y)	14.50	OLBK's Dividend Growth (3y) is ranked higher than 68% of the 763 Companies in the Global Banks - Regional - US industry. ( Industry Median: 7.70 vs. OLBK: 14.50 ) Ranked among companies with meaningful Dividend Growth (3y) only.	OLBK' s Dividend Growth (3y) Range Over the Past 10 Years Min: 0 Med: 9.5 Max: 21.3 Current: 14.5 0 - 21.3
Forward Dividend Yield	0.87	OLBK's Forward Dividend Yield is ranked lower than 93% of the 2272 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.77 vs. OLBK: 0.87 ) Ranked among companies with meaningful Forward Dividend Yield only.	N/A
Yield on cost (5-Year)	1.52	OLBK's Yield on cost (5-Year) is ranked lower than 82% of the 2639 Companies in the Global Banks - Regional - US industry. ( Industry Median: 3.34 vs. OLBK: 1.52 ) Ranked among companies with meaningful Yield on cost (5-Year) only.	OLBK' s Yield on cost (5-Year) Range Over the Past 10 Years Min: 1.47 Med: 2.28 Max: 4.62 Current: 1.52 1.47 - 4.62
3-Year Average Share Buyback Ratio	-0.40	OLBK's 3-Year Average Share Buyback Ratio is ranked higher than 66% of the 1052 Companies in the Global Banks - Regional - US industry. ( Industry Median: -2.00 vs. OLBK: -0.40 ) Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.	OLBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years Min: -60.4 Med: -19.2 Max: 3.2 Current: -0.4 -60.4 - 3.2

Valuation & Return

		vs industry	vs history
Price/Tangible Book	2.22	OLBK's Price/Tangible Book is ranked lower than 83% of the 1597 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.23 vs. OLBK: 2.22 ) Ranked among companies with meaningful Price/Tangible Book only.	OLBK' s Price/Tangible Book Range Over the Past 10 Years Min: 0.67 Med: 1.2 Max: 2.26 Current: 2.22 0.67 - 2.26
Price/Projected FCF	1.36	OLBK's Price/Projected FCF is ranked lower than 82% of the 828 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.82 vs. OLBK: 1.36 ) Ranked among companies with meaningful Price/Projected FCF only.	OLBK' s Price/Projected FCF Range Over the Past 10 Years Min: 0.7 Med: 0.85 Max: 1.39 Current: 1.36 0.7 - 1.39
Price/DCF (Earnings Based)	1.30	OLBK's Price/DCF (Earnings Based) is ranked lower than 79% of the 121 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.83 vs. OLBK: 1.30 ) Ranked among companies with meaningful Price/DCF (Earnings Based) only.	N/A
Price/Median PS Value	1.76	OLBK's Price/Median PS Value is ranked lower than 89% of the 1392 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.15 vs. OLBK: 1.76 ) Ranked among companies with meaningful Price/Median PS Value only.	OLBK' s Price/Median PS Value Range Over the Past 10 Years Min: 0.6 Med: 1.24 Max: 2.41 Current: 1.76 0.6 - 2.41
Price/Graham Number	1.53	OLBK's Price/Graham Number is ranked lower than 86% of the 1325 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.92 vs. OLBK: 1.53 ) Ranked among companies with meaningful Price/Graham Number only.	OLBK' s Price/Graham Number Range Over the Past 10 Years Min: 0.61 Med: 0.99 Max: 1.55 Current: 1.53 0.61 - 1.55
Earnings Yield (Greenblatt) (%)	3.93	OLBK's Earnings Yield (Greenblatt) (%) is ranked lower than 63% of the 1597 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. OLBK: 3.93 ) Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.	OLBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years Min: 2.2 Med: 5.9 Max: 13.8 Current: 3.93 2.2 - 13.8
Forward Rate of Return (Yacktman) (%)	7.96	OLBK's Forward Rate of Return (Yacktman) (%) is ranked lower than 61% of the 887 Companies in the Global Banks - Regional - US industry. ( Industry Median: 11.52 vs. OLBK: 7.96 ) Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.	OLBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years Min: 7.9 Med: 17.1 Max: 23.6 Current: 7.96 7.9 - 23.6

More Statistics

Revenue (TTM) (Mil) $	61.20
EPS (TTM) $	1.19
Beta	0.47
Short Percentage of Float	0.59%
52-Week Range $	16.75 - 28.81
Shares Outstanding (Mil)	10.92

Analyst Estimate

	Dec17	Dec18
Revenue (Mil $)
EPS ($)	1.64	1.93
EPS w/o NRI ($)	1.64	1.93
EPS Growth Rate (3Y to 5Y Estimate)	N/A
Dividends Per Share ($)	0.24	0.24

» More Articles for OLBK

Headlines

Articles On GuruFocus.com

Weekly CFO Buys Highlight: Micron Technology Inc, Old Line Bancshares Inc, and Comverse Inc. Jul 13 2015

Weekly CFO Buys Highlight: PRWT, ANCB, ACLS, OLBK, PXLW Feb 13 2011

Weekly CFO Buys Highlight: PRWT, ANCB, ACLS, OLBK, PXLW Feb 07 2011

Old Line Bancshares Inc. Reports Operating Results (10-Q) Nov 10 2010

Old Line Bancshares Inc. Reports Operating Results (10-Q) Aug 02 2010

Old Line Bancshares Inc. Reports Operating Results (10-Q) May 07 2010

Old Line Bancshares Inc. Reports Operating Results (10-Q) Nov 09 2009

Old Line Bancshares Inc. Reports Operating Results (10-Q) Aug 06 2009

Old Line Bancshares Inc. Reports Operating Results (10-Q) May 13 2009

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

Home About Jobs Advertise Site Map Term of Use Privacy Policy RSS Mobile App Email Alerts Referral Program Affiliate Program FAQ Contact Us
Disclaimers: GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.

Value Screens

Downloads | Tools

Strategies

Market Valuation

By Country

Articles

Submit Articles

Financial Strength : 5/10

Profitability & Growth : 7/10

Financials

Warning Signs

Guru Trades

OLBK Guru Trades in Q4 2015

OLBK Guru Trades in Q1 2016

OLBK Guru Trades in Q2 2016

OLBK Guru Trades in Q3 2016

Insider Trades

Latest Guru Trades with OLBK

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Ratios

Dividend & Buy Back

Valuation & Return

More Statistics

Analyst Estimate

Headlines

Personalized Checklist

Value Screens

Downloads | Tools

Strategies

Market Valuation

By Country

Articles

Submit Articles

Financial Strength : 5/10

Profitability & Growth : 7/10

Financials .earnings_date { color: #000000; font-size: 12px; font-weight: normal; }

Warning Signs

Guru Trades

OLBK Guru Trades in Q4 2015

OLBK Guru Trades in Q1 2016

OLBK Guru Trades in Q2 2016

OLBK Guru Trades in Q3 2016

Insider Trades

Latest Guru Trades with OLBK

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Ratios

Dividend & Buy Back

Valuation & Return

More Statistics

Analyst Estimate

Headlines

Personalized Checklist

Financials