OTC · Banks - Regional

Harbor Bankshares Corporation (HRBK) Stock

$25.50 +10.87% OTC: HRBK Financial Services

Harbor Bankshares Corporation is a financial institution offering a comprehensive spectrum of banking and financial services in Maryland, primarily serving the Baltimore metropolitan area through its six branch locations. For individual clients, it provides essential retail banking products such as checking and savings accounts, investment vehicles, debit and credit cards, and specialized offerings like Individual Retirement Accounts (IRAs) and Certificates of Deposit (CDs).

Valuation

MetricValue
Price$25.50
Market Cap$17.23M
P/E Ratio-212.50
P/B Ratio0.17
P/S Ratio0.64
EPS (TTM)$-0.12
52-Week High$25.50
52-Week Low$17.50
Dividend Yield1.96%

Financials & Margins

MetricValue
ROE1.00%
ROA0.25%
ROCE0.45%
Gross Margin7.41%
Operating Margin7.41%
Net Margin3.70%
Debt/Equity0.03
Current Ratio8.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$18.0M$17.0M$26.0M$25.0M$27.0M
Operating Profit$3.0M$0$5.0M$5.0M$2.0M
Net Profit$3.0M$0$7.0M$3.0M$1.0M
EPS$1.57$0.26$5.84$2.11$-0.12
Op Margin16.0%1.3%17.3%21.1%6.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$331.0M$389.0M$393.0M$394.0M$393.0M
Total Liabilities$314.0M$300.0M$294.0M$294.0M$293.0M
Cash$81.0M$72.0M$61.0M$37.0M$3.0M
Borrowings$7.0M$0$0$0$3.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$-3.0M$5.0M$2.0M$1.0M
Investing Cash Flow$17.0M$-64.0M$-16.0M$-28.0M$-7.0M
Financing Cash Flow$-2.0M$-6.0M$-5.0M$0$-1.0M
Net Cash Flow$26.0M$-4.0M$-15.0M$-27.0M$-8.0M
Free Cash Flow$4.0M$-4.0M$4.0M$0$-1.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-8.24
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y41.58%
Return 3Y88.93%
Return 5Y1536.62%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%
Institutional HolderSharesReport Date
Royce Micro Cap Trust8,4192023-12-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About Harbor Bankshares Corporation

Harbor Bankshares Corporation is a financial institution offering a comprehensive spectrum of banking and financial services in Maryland, primarily serving the Baltimore metropolitan area through its six branch locations. For individual clients, it provides essential retail banking products such as checking and savings accounts, investment vehicles, debit and credit cards, and specialized offerings like Individual Retirement Accounts (IRAs) and Certificates of Deposit (CDs). Its lending portfolio includes mortgages, personal loans, installment loans, and VIP loan options, alongside home equity and overdraft lines of credit. Convenience services encompass online and mobile banking, bill payment, e-statements, telebanking, and up-to-date interest rate information. Businesses also benefit from a robust suite of solutions, including commercial loans, remote deposit capture, positive pay systems, comprehensive cash management, and merchant services. Beyond traditional banking, the company extends its offerings to include brokerage and insurance products, providing a more holistic financial approach. Established in 1982, Harbor Bankshares Corporation is headquartered in Baltimore, Maryland.

Harbor Bankshares Corporation (HRBK) stock trades at $25.50 with a market capitalization of $17.23M. The stock is valued at a price-to-earnings (P/E) ratio of -212.50, price-to-book of 0.17, price-to-sales of 0.64. Over the past 52 weeks the stock has ranged between $17.50 and $25.50, and currently trades at its 52-week high. It pays a dividend yielding 1.96%.

On profitability, Harbor Bankshares Corporation generates a return on equity (ROE) of 1.00%, return on capital employed of 0.45%, an operating margin of 7.41%, a net profit margin of 3.70%.

Official website: www.theharborbank.com

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