| Company Name: | Annapolis Bancorp, Inc. | | Ticker Symbol: | ANNB | | | WWW Address: | www.bankannapolis.com |
| CEO: | Richard M. Lerner | | No. of Employees: | 87 |
| Common Issue Type: | CS | | Business Description: | Annapolis Bancorp, Inc., is a holding company. It provides commercial & retail banking to small businesses, professional & individuals. It also offers commercial loans, commercial real estate loans, home equity loans & consumer loans, among others.
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| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 13.51 |  0.0 | 13.52 | 13.98 | | 13.51 | 13.22 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 54.8 | 4.1 | 0.54 | 0.68 | 0.00 | 19.9 | 0.0 | 13.65 - 5.00 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 13.51 | $ | | PE Ratio - LTM | 19.9 | |
| Market Capitalisation | 54.8 | mil |
| Latest Shares Outstanding | 4.1 | mil |
| Earnings pS (EPS) | 0.68 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | | % |
| Revenue per Employee | 239,448 | $ |
| Effective Tax Rate | 37.2 | % |
| Float | 2.0 | mil |
| Float as % of Shares Outstanding | 49.1 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 40.3 | % |
| Pre-Tax Profit Margin | 23.6 | % |
| Assets Turnover | 0.0 | % |
| Return on Assets (ROA) | 0.7 | % |
| Return on Equity (ROE) | 9.6 | % |
| Return on Capital Invested (ROCI) | 4.1 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 13.9 | |
| Interest Cover | 2.7 | |
| Total Debt/Equity (Gearing Ratio) | 1.24 | |
| LT Debt/Total Capital | 52.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 7.92 | $ |
| Tangible Book-Value pS | 7.92 | $ |
| Cash Flow pS | 0.69 | $ |
| Free Cash Flow pS | 0.55 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.71 | |
| Price/Tangible Book Ratio | 1.71 | |
| Price/Cash Flow | 19.4 | |
| Price/Free Cash Flow | 24.6 | |
| P/E as % of Industry Group | 123.0 | % |
| P/E as % of Sector Segment | 118.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -1.0 | 100 | 41 | 201 |
| 4 Weeks | 13.65 | 13.11 | 13.17 | 2.6 | 102 | 29 | 542 |
| 13 Weeks | 13.65 | 11.37 | 12.71 | 6.3 | 100 | 50 | 3,118 |
| 26 Weeks | 13.65 | 7.45 | 8.19 | 65.0 | 155 | 74 | 8,968 |
| 52 Weeks | 13.65 | 5.00 | 5.50 | 145.6 | 221 | 45 | 11,175 |
| YTD | 13.65 | 11.37 | - | 14.1 | 105 | 53 | 3,442 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 13.40 | 13.43 | 13.23 | 11.44 | 10.17 | 0.54 | -0.08 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -3.05 | 95.2 | -3.18 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -4.0 | -8.8 | -4.0 |
| Earnings % | 42.4 | 362.2 | 42.4 |
| EPS % | 74.4 | -76.9 | 74.4 |
| EPS $ | 0.29 | -0.10 | 0.29 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 11.77 |
| Free Cash Flow Margin 5YEAR AVG | 18.41 |
| Cash-Flow pS | 1.21 |
| Free Cash-Flow pS | 0.56 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 12.33 |
| Debt Ratio | 91.89 |
| Total Debt/Equity (Gearing Ratio) | 1.10 |
| LT Debt/Equity | 1.10 |
| LT Debt/Capital Invested | 52.48 |
| LT Debt/Total Liabilities | 9.75 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.75 |
| Tobin's Q Ratio | 0.12 |
| Current P/E Ratio - LTM | 19.90 |
| Enterprise Value (EV)/EBITDA | 0.06 |
| Enterprise Value (EV)/Free Cash Flow | -3,599.61 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 1.71 |
| Price/Book Ratio - LTM | 1.71 |
| Price/Cash Flow Ratio | 19.4 |
| Price/Free Cash Flow Ratio - LTM | 24.6 |
| P/E Ratio (1 month ago) - LTM | 19.3 |
| P/E Ratio (26 weeks ago) - LTM | 12.4 |
| P/E Ratio (52 weeks ago) - LTM | 14.1 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | |
| P/E as % of Industry Group | 123.0 |
| P/E as % of Sector Segment | 118.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 16.9 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 7.92 |
| Book Value pS - LTM | 7.92 |
| Capital Invested pS | 18.77 |
| Cash Flow pS - LTM | 0.69 |
| Free Cash Flow pS - LTM | 0.55 |
| Earnings pS (EPS) | 0.68 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.62 |
| Return on Equity (ROE) - 5YEAR AVRG. | 4.7 |
| Return on Capital Invested (ROCI) | 4.06 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 1.7 |
| Return on Assets (ROA) | 0.69 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.3 |
| EBIT Margin - LTM | 37.6 |
| EBITDA Margin - LTM | 40.3 |
| Pre-Tax Profit Margin | 34.20 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 13.38 |
| Net Profit Margin | 19.32 |
| Net Profit Margin - 5YEAR AVRG. | 8.43 |
| Effective Tax Rate | 33.52 |
| Effective Tax Rate - 5YEAR AVRG. | 35.24 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 239,448 |
| Net Income per Employee - LTM | 35,540 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,905.50 |
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