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Harbor Bankshares Corporation HRBK

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28.95 USD +0.35 (+1.22%)

At closeNov 4, 2026, 4:00 PM EST

28.95 Day range 28.95
17.50 52-week range 29.31
YTD
+52.37%
1 year
+58.11%

Financial health

Altman Z-Score

-0.79 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -158×
FY 2005: 9.2×FY 2006: 14.1×FY 2007: 16.4×FY 2019: -0.4×FY 2020: 2.4×FY 2021: 0.8×FY 2022: 56.7×FY 2023: 1.7×FY 2024: 6.2×FY 2025: -158×
FY 2005 5y median 1.7× FY 2025
P/S 0.9×
FY 2005: 2.9×FY 2006: 1.2×FY 2007: 1.2×FY 2019: 0.0×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 1.1×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.9×
FY 2005 5y median 0.7× FY 2025
P/B 0.2×
FY 2005: 1.0×FY 2006: 1.4×FY 2007: 1.3×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.2×
FY 2005 5y median 0.2× FY 2025
P/FCF -47.5×
FY 2005: 16.3×FY 2006: 15.8×FY 2007: 11.0×FY 2019: 0.2×FY 2020: 7.1×FY 2021: 0.6×FY 2022: -5.0×FY 2023: 3.5×FY 2024: 1076×FY 2025: -47.5×
FY 2005 5y median 0.6× FY 2025
EV/EBITDA 10.4×
FY 2005: 0.4×FY 2006: 10.0×FY 2007: 45.0×FY 2019: 58.9×FY 2020: -25.8×FY 2021: -23.4×FY 2022: -110×FY 2023: -9.9×FY 2024: 0.0×FY 2025: 10.4×
FY 2005 5y median -9.9× FY 2025
EV/Sales 0.9×
FY 2005: 0.3×FY 2006: 1.8×FY 2007: 1.9×FY 2019: -3.5×FY 2020: -2.4×FY 2021: -4.1×FY 2022: -3.2×FY 2023: -1.9×FY 2024: -0.8×FY 2025: 0.9×
FY 2005 5y median -1.9× FY 2025
FCF Yield -2.1%
FY 2005: 6.1%FY 2006: 6.3%FY 2007: 9.1%FY 2019: 508.3%FY 2020: 14.0%FY 2021: 161.5%FY 2022: -20.0%FY 2023: 28.6%FY 2024: 0.1%FY 2025: -2.1%
FY 2005 5y median 0.1% FY 2025

Profitability

Gross Margin 85.5%
FY 2005: 29.7%FY 2006: 100.0%FY 2007: 100.0%FY 2019: 77.9%FY 2020: 84.3%FY 2021: 89.0%FY 2022: 87.4%FY 2023: 88.7%FY 2024: 100.0%FY 2025: 85.5%
FY 2005 5y median 88.7% FY 2025
Operating Margin 6.6%
FY 2005: 49.4%FY 2006: 0.0%FY 2007: -0.7%FY 2019: -7.8%FY 2020: 8.0%FY 2021: 16.0%FY 2022: 1.2%FY 2023: 17.3%FY 2024: 21.1%FY 2025: 6.6%
FY 2005 5y median 16.0% FY 2025
Net Margin 5.1%
FY 2005: 31.6%FY 2006: 8.5%FY 2007: 7.4%FY 2019: -11.3%FY 2020: 6.8%FY 2021: 15.0%FY 2022: 2.0%FY 2023: 27.2%FY 2024: 14.0%FY 2025: 5.1%
FY 2005 5y median 14.0% FY 2025
ROE 1.4%
FY 2005: 11.1%FY 2006: 9.6%FY 2007: 7.9%FY 2019: -23.4%FY 2020: 11.7%FY 2021: 15.7%FY 2022: 0.4%FY 2023: 7.4%FY 2024: 3.4%FY 2025: 1.4%
FY 2005 5y median 3.4% FY 2025
ROIC 0.3%
FY 2005: 7.0%FY 2006: 0.0%FY 2007: -0.1%FY 2019: -1.8%FY 2020: 1.8%FY 2021: 5.4%FY 2022: 0.2%FY 2023: 4.2%FY 2024: 3.6%FY 2025: 0.3%
FY 2005 5y median 3.6% FY 2025
ROA 0.3%
FY 2005: 0.7%FY 2006: 0.7%FY 2007: 0.5%FY 2019: -0.6%FY 2020: 0.3%FY 2021: 0.8%FY 2022: 0.1%FY 2023: 1.8%FY 2024: 0.9%FY 2025: 0.3%
FY 2005 5y median 0.8% FY 2025

Growth (YoY)

Revenue 8.4%
FY 2005: 43.6%FY 2006: 246.2%FY 2007: 0.3%FY 2019: 0.0%FY 2020: -4.2%FY 2021: 8.6%FY 2022: -4.7%FY 2023: 58.2%FY 2024: -6.9%FY 2025: 8.4%
FY 2005 FY 2025
Operating Income -66.0%
FY 2005: 32.6%FY 2006: -100.0%FY 2007: 0.0%FY 2019: 0.0%FY 2020: 198.5%FY 2021: 116.4%FY 2022: -92.6%FY 2023: 2093.9%FY 2024: 13.5%FY 2025: -66.0%
FY 2005 FY 2025
EPS (diluted) -105.7%
FY 2005: 32.1%FY 2006: -27.7%FY 2007: -30.3%FY 2019: 0.0%FY 2020: 158.3%FY 2021: 103.9%FY 2022: -83.4%FY 2023: 2146.2%FY 2024: -63.9%FY 2025: -105.7%
FY 2005 FY 2025
Free Cash Flow -3439.1%
FY 2005: 54.7%FY 2006: 48.5%FY 2007: 45.4%FY 2019: 0.0%FY 2020: -90.7%FY 2021: 876.3%FY 2022: -199.7%FY 2023: 198.0%FY 2024: -99.6%FY 2025: -3439.1%
FY 2005 FY 2025

Financial Health

Current Ratio 7.3×
FY 2005: 0.1×FY 2006: 0.2×FY 2007: 0.2×FY 2019: 42.4×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 7.3×
FY 2005 5y median 0.3× FY 2025
Quick Ratio 7.3×
FY 2005: 0.1×FY 2006: 0.2×FY 2007: 0.2×FY 2019: 42.4×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 7.3×
FY 2005 5y median 0.3× FY 2025
Debt / Equity 0.0×
FY 2005: 0.4×FY 2006: 0.4×FY 2007: 0.4×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 0.4×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2005 5y median 0.0× FY 2025
Net Debt / EBITDA 0.2×
FY 2005: -4.2×FY 2006: 3.4×FY 2007: 16.0×FY 2019: 59.7×FY 2020: -27.5×FY 2021: -24.1×FY 2022: -147×FY 2023: -12.4×FY 2024: 0.0×FY 2025: 0.2×
FY 2005 5y median -12.4× FY 2025
Interest Coverage 0.5×
FY 2005: 0.8×FY 2006: 0.0×FY 2007: -0.3×FY 2019: -0.4×FY 2020: 0.5×FY 2021: 1.5×FY 2022: 0.1×FY 2023: 1.5×FY 2024: 1.8×FY 2025: 0.5×
FY 2005 5y median 1.5× FY 2025

Dividends

Dividend Yield 11.5%
FY 2005: 1.6%FY 2006: 1.4%FY 2007: 1.3%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 1.4%FY 2023: 2.6%FY 2024: 12.4%FY 2025: 11.5%
FY 2005 5y median 2.6% FY 2025
Payout Ratio 204.0%
FY 2005: 15.0%FY 2006: 19.4%FY 2007: 21.4%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 73.9%FY 2023: 4.5%FY 2024: 59.1%FY 2025: 204.0%
FY 2005 5y median 59.1% FY 2025

Annual · latest fiscal year ends 2025-12-31