⏳ Fetching live dividend data...
Home › Calculator › HBMD Dividend Calculator 2026
Howard Bancorp, Inc. · NASDAQ
Price: $23.30 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
Click to apply scenario to the calculator
Year your monthly dividend income covers each expense (based on current settings)
$10,000 in HBMD → $108.9K in 10 years · $6,853.36/month
Howard Bancorp, Inc. functions as the holding company for Howard Bank, providing a comprehensive suite of financial services. These offerings encompass commercial and mortgage banking, alongside consumer finance, catering to a diverse clientele including businesses, their owners, professionals, and individual consumers. Customers can choose from various deposit products such as demand accounts, money market accounts, savings accounts, and individual retirement accounts, in addition to commercial and retail checking options and certificates of deposit. The bank also extends a broad spectrum of commercial lending solutions. These include lines of credit, revolving facilities, financing for accounts receivable and inventory, term loans, equipment loans, and Small Business Administration (SBA) loans. Furthermore, it offers stand-by letters of credit, unsecured loans, and equipment leasing. For real estate, the institution provides commercial mortgage financing for both owner-occupied and investment properties, construction loans, and residential mortgage products. Personal lending options, both secured and unsecured, are also available. Beyond core banking, the company furnishes essential services like wire transfers, automated teller machines (ATMs), debit cards, and safe deposit box rentals. Credit card services are facilitated through a third-party provider. Its offerings also extend to advanced business functionalities such as merchant card processing, overnight sweep services, check positive pay, and remote deposit capture. Modern digital banking through online and mobile platforms is also provided. As of December 31, 2020, Howard Bancorp, Inc. maintained an operational presence across Maryland, utilizing a network of 15 full-service branches and 8 specialized commercial lending offices. The company was established in 2004 and has its primary headquarters situated in Baltimore, Maryland.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
We'll send you a full breakdown of your projections, DRIP tips, and how to enable dividend reinvestment with your broker.
Free forever. No spam. Unsubscribe anytime. · Privacy Policy
Ready to invest? Open HBMD position with:
Real after-tax yield depends on where you live and how you hold HBMD.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 8.58% | 5.78% | $858 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 7.29% | 4.49% | $729 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 6.86% | 4.06% | $686 / yr |
| 🇬🇧 UK ISA | 0% | 8.58% | 5.78% | $858 / yr |
| 🇬🇧 UK Taxable | 8.75% | 7.83% | 5.03% | $783 / yr |
| 🇨🇦 TFSA | 0% | 8.58% | 5.78% | $858 / yr |
| 🇨🇦 CA Taxable | 25% | 6.44% | 3.64% | $644 / yr |
| 🇦🇺 Super (pension) | 15% | 7.29% | 4.49% | $729 / yr |
| 🇦🇺 AU Taxable | 30% | 6.01% | 3.21% | $601 / yr |
| 🇩🇪 DE Taxable | 26.375% | 6.32% | 3.52% | $632 / yr |
| 🇫🇷 FR Taxable | 30% | 6.01% | 3.21% | $601 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
HBMD pays quarterly — 4 times per year. Next ex-div: TBD.
How HBMD compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for HBMD sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| D-Return | 2022-01-22 | 16,853 | $12.99 | $218.9K | ||
| D-Return | 2022-01-22 | 146,004 | $12.99 | $1.90M | ||
| D-Return | 2022-01-22 | 56,138 | $12.99 | $729.2K | ||
| D-Return | 2022-01-22 | 4,758 | $12.99 | $61.8K | ||
| D-Return | 2022-01-22 | 12,027 | $12.99 | $156.2K | ||
| D-Return | 2022-01-22 | 5,370 | $12.99 | $69.8K | ||
| D-Return | 2022-01-22 | 5,630 | $12.99 | $73.1K | ||
| D-Return | 2022-01-22 | 162,356 | $12.99 | $2.11M | ||
| D-Return | 2022-01-22 | 15,712 | $12.99 | $204.1K | ||
| D-Return | 2022-01-22 | 135,730 | $12.99 | $1.76M |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the HBMD dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Howard Bancorp, Inc. (HBMD) is currently trading at $23.30, trading near its 52-week high. The current dividend yield is 8.58% based on an annual payout of $2.00 per share.
Howard Bancorp, Inc. (HBMD) is a financial services stock currently trading at $23.30 with a dividend yield of 8.58%. The company pays an annual dividend of $2.00 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
Auto-generated from live market data. For educational purposes only — not financial advice.
Real users. No sign-up required to leave a review.
“Finally a free dividend calculator that doesn't make me sign up or connect my brokerage. Entered SCHD and got the full DRIP projection in seconds. Bookmarked immediately.”
“I've been trying to figure out how much dividend income I'd need to retire. This tool showed me exactly — $400K in JEPI at 7% yield gives me $2,333/month. No calculator did that this clearly before.”
“Really solid passive income calculator. Covers everything: DRIP compounding, Roth IRA tax savings, DCA contributions. The year-by-year breakdown is what I was missing from other tools.”
“As someone planning retirement in 5 years, this dividend yield calculator showed me I need about 12% more in dividend stocks to hit my income target. Incredibly useful and completely free.”
“The Congress trades tracker is genius. Saw that several senators were buying O (Realty Income) and immediately ran it through the DRIP calculator. Bought 50 shares the next day.”
Reviews reflect users' personal experiences. Not financial advice.
Leave a review →