Harbor Bankshares Corporation Logo

Harbor Bankshares Corporation

HRBK

(0.5)
Stock Price

13,03 USD

1.84% ROA

7.72% ROE

2.15x PER

Market Cap.

8.515.017,00 USD

0.49% DER

7.94% Yield

27.25% NPM

Harbor Bankshares Corporation Stock Analysis

Harbor Bankshares Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Harbor Bankshares Corporation Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

2 ROE

Unidentified ROE

3 ROA

Unidentified ROA

4 PBV

Unidentified ROA

5 DER

Unidentified DER

6 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

7 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

8 Graham Number

Unidentified Graham Number

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Harbor Bankshares Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Harbor Bankshares Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Hold

Harbor Bankshares Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Harbor Bankshares Corporation Revenue
Year Revenue Growth
1995 818.693
1996 819.761 0.13%
1997 1.513.189 45.83%
1998 1.515.200 0.13%
1999 2.273.328 33.35%
2000 2.187.577 -3.92%
2001 2.729.485 19.85%
2002 2.560.755 -6.59%
2003 3.261.317 21.48%
2004 1.874.140 -74.02%
2005 2.181.103 14.07%
2006 3.972.000 45.09%
2007 20.719.280 80.83%
2019 13.166.166 -57.37%
2020 13.646.354 3.52%
2021 15.641.887 12.76%
2022 14.623.052 -6.97%
2023 26.488.674 44.8%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Harbor Bankshares Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Harbor Bankshares Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 1.902.807
1996 2.152.040 11.58%
1997 2.610.968 17.58%
1998 2.672.302 2.3%
1999 3.220.083 17.01%
2000 3.622.265 11.1%
2001 3.989.234 9.2%
2002 4.229.792 5.69%
2003 4.368.415 3.17%
2004 4.510.208 3.14%
2005 4.425.478 -1.91%
2006 4.464.000 0.86%
2007 0 0%
2019 1.881.564 100%
2020 1.617.727 -16.31%
2021 1.469.919 -10.06%
2022 1.013.067 -45.1%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Harbor Bankshares Corporation EBITDA
Year EBITDA Growth
1995 1.667.916
1996 1.562.019 -6.78%
1997 1.817.151 14.04%
1998 1.788.075 -1.63%
1999 964.104 -85.46%
2000 1.850.193 47.89%
2001 1.980.165 6.56%
2002 2.037.063 2.79%
2003 3.017.628 32.49%
2004 2.716.713 -11.08%
2005 3.711.914 26.81%
2006 3.784.000 1.91%
2007 872.575 -333.66%
2019 -993.763 187.81%
2020 1.537.002 164.66%
2021 3.047.236 49.56%
2022 486.366 -526.53%
2023 387.505 -25.51%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Harbor Bankshares Corporation Gross Profit
Year Gross Profit Growth
1995 818.693
1996 819.761 0.13%
1997 1.513.189 45.83%
1998 1.515.200 0.13%
1999 2.273.328 33.35%
2000 2.187.577 -3.92%
2001 2.729.485 19.85%
2002 2.560.755 -6.59%
2003 3.261.317 21.48%
2004 1.874.140 -74.02%
2005 2.181.103 14.07%
2006 3.972.000 45.09%
2007 20.719.280 80.83%
2019 13.166.166 -57.37%
2020 13.646.354 3.52%
2021 15.641.887 12.76%
2022 14.623.052 -6.97%
2023 26.488.674 44.8%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Harbor Bankshares Corporation Net Profit
Year Net Profit Growth
1995 679.431
1996 572.777 -18.62%
1997 700.363 18.22%
1998 728.061 3.8%
1999 1.467 -49529.24%
2000 564.844 99.74%
2001 729.878 22.61%
2002 1.077.292 32.25%
2003 1.785.328 39.66%
2004 1.462.055 -22.11%
2005 1.883.174 22.36%
2006 1.716.000 -9.74%
2007 1.539.796 -11.44%
2019 -1.901.467 180.98%
2020 1.107.949 271.62%
2021 2.634.868 57.95%
2022 336.598 -682.79%
2023 7.217.012 95.34%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Harbor Bankshares Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 2
1996 1 0%
1997 1 0%
1998 1 0%
1999 0 0%
2000 1 0%
2001 1 100%
2002 1 0%
2003 2 50%
2004 2 0%
2005 3 0%
2006 3 0%
2007 1 -100%
2019 0 0%
2020 0 0%
2021 2 100%
2022 0 0%
2023 6 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Harbor Bankshares Corporation Free Cashflow
Year Free Cashflow Growth
1995 1.246.607
1996 428.960 -190.61%
1997 313.815 -36.69%
1998 42.993 -629.92%
1999 175.743 75.54%
2000 415.366 57.69%
2001 1.367.060 69.62%
2002 -61.499 2322.9%
2003 -438.887 85.99%
2004 686.947 163.89%
2005 1.062.940 35.37%
2006 677.000 -57.01%
2007 2.294.564 70.5%
2019 3.994.954 42.56%
2020 370.018 -979.66%
2021 3.612.622 89.76%
2022 -3.600.809 200.33%
2023 3.527.916 202.07%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Harbor Bankshares Corporation Operating Cashflow
Year Operating Cashflow Growth
1995 1.769.661
1996 1.092.872 -61.93%
1997 908.197 -20.33%
1998 593.050 -53.14%
1999 898.989 34.03%
2000 812.849 -10.6%
2001 1.643.587 50.54%
2002 424.172 -287.48%
2003 2.712.803 84.36%
2004 2.516.536 -7.8%
2005 4.132.463 39.1%
2006 960.000 -330.46%
2007 2.664.440 63.97%
2019 4.126.944 35.44%
2020 561.013 -635.62%
2021 3.854.134 85.44%
2022 -2.533.178 252.15%
2023 4.570.214 155.43%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Harbor Bankshares Corporation Capital Expenditure
Year Capital Expenditure Growth
1995 523.054
1996 663.912 21.22%
1997 594.382 -11.7%
1998 550.057 -8.06%
1999 723.246 23.95%
2000 397.483 -81.96%
2001 276.527 -43.74%
2002 485.671 43.06%
2003 3.151.690 84.59%
2004 1.829.589 -72.26%
2005 3.069.523 40.4%
2006 283.000 -984.64%
2007 369.876 23.49%
2019 131.990 -180.23%
2020 190.995 30.89%
2021 241.512 20.92%
2022 1.067.631 77.38%
2023 1.042.298 -2.43%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Harbor Bankshares Corporation Equity
Year Equity Growth
1995 5.641.832
1996 9.001.206 37.32%
1997 10.301.360 12.62%
1998 10.668.549 3.44%
1999 7.463.866 -42.94%
2000 10.246.077 27.15%
2001 12.241.379 16.3%
2002 14.149.333 13.48%
2003 15.274.768 7.37%
2004 16.239.961 5.94%
2005 16.953.910 4.21%
2006 17.849.000 5.01%
2007 19.525.171 8.58%
2019 8.110.256 -140.75%
2020 9.479.090 14.44%
2021 16.737.561 43.37%
2022 88.885.871 81.17%
2023 98.097.222 9.39%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Harbor Bankshares Corporation Assets
Year Assets Growth
1995 113.316.300
1996 129.651.418 12.6%
1997 135.874.149 4.58%
1998 184.723.061 26.44%
1999 177.617.973 -4%
2000 184.516.773 3.74%
2001 186.585.662 1.11%
2002 210.233.919 11.25%
2003 219.546.760 4.24%
2004 235.463.699 6.76%
2005 256.636.442 8.25%
2006 256.785.000 0.06%
2007 300.148.052 14.45%
2019 311.630.547 3.68%
2020 322.677.055 3.42%
2021 331.041.293 2.53%
2022 388.602.198 14.81%
2023 392.577.498 1.01%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Harbor Bankshares Corporation Liabilities
Year Liabilities Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 174.270.696 100%
2001 2.000.000 -8613.53%
2002 1.943.334 -2.92%
2003 7.217.000 73.07%
2004 7.217.000 0%
2005 7.217.000 0%
2006 7.217.000 0%
2007 280.622.881 97.43%
2019 303.520.291 7.54%
2020 313.197.965 3.09%
2021 314.303.732 0.35%
2022 299.716.327 -4.87%
2023 294.480.276 -1.78%

Harbor Bankshares Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
21.48
Net Income per Share
5.85
Price to Earning Ratio
2.15x
Price To Sales Ratio
0.32x
POCF Ratio
3.4
PFCF Ratio
2.41
Price to Book Ratio
0.16
EV to Sales
0.51
EV Over EBITDA
34.98
EV to Operating CashFlow
2.97
EV to FreeCashFlow
3.84
Earnings Yield
0.46
FreeCashFlow Yield
0.41
Market Cap
0,01 Bil.
Enterprise Value
0,01 Bil.
Graham Number
102.33
Graham NetNet
-241.12

Income Statement Metrics

Net Income per Share
5.85
Income Quality
0.63
ROE
0.08
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
1.58
EBT Per Ebit
1
Ebit per Revenue
0.17
Effective Tax Rate
-0.58

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.17
Pretax Profit Margin
0.17
Net Profit Margin
0.27

Dividends

Dividend Yield
0.08
Dividend Yield %
7.94
Payout Ratio
0.04
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
3.71
Free CashFlow per Share
2.86
Capex to Operating CashFlow
0.23
Capex to Revenue
0.04
Capex to Depreciation
2.69
Return on Invested Capital
0
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.85

Balance Sheet

Cash per Share
-2,36
Book Value per Share
79,54
Tangible Book Value per Share
79.54
Shareholders Equity per Share
79.54
Interest Debt per Share
0.39
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
13.01
Current Ratio
0.29
Tangible Asset Value
0,10 Bil.
Net Current Asset Value
-0,23 Bil.
Invested Capital
-163482250
Working Capital
-0,17 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-41573830
Debt to Market Cap
0.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Harbor Bankshares Corporation Dividends
Year Dividends Growth
2023 0
2024 1 100%

Harbor Bankshares Corporation Profile

About Harbor Bankshares Corporation

Harbor Bankshares Corporation provides various banking services in Maryland. The company offers personal checking, savings and investment, cards, individual retirement plans, certificate of deposits, mortgages, loans and lines of credit, online banking, bill pay, mobile banking, E-statement, telebanc, and interest rate services. It also provides business loans, remote deposit, positive pay, cash management, and merchant services. In addition, the company offers personal, home equity, installment, and VIP loans; home equity and overdraft lines of credit. Further, the company provides brokerage and insurance products. The company operates through six branch locations primarily serves the Baltimore, Maryland Metropolitan area. Harbor Bankshares Corporation was founded in 1982 and is based in Baltimore, Maryland.

CEO
Mr. John D. Lewis
Employee
77
Address
25 West Fayette Street
Baltimore, 21201

Harbor Bankshares Corporation Executives & BODs

Harbor Bankshares Corporation Executives & BODs
# Name Age
1 Mr. John D. Lewis
President & Chief Executive Officer
70
2 Ms. Jodi L. Beal CPA
Executive Vice President & Chief Financial Officer
70
3 Mr. Yitzhak Zelmanovitch Esq.
Secretary & Director
70

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