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    Banks - Regional
Harbor Bankshares Corporation

Harbor Bankshares Corporation

HRBK
Harbor Bankshares CorporationUS flagOther OTC
22.25
USD
- -
- -
15.03MMarket Cap
Harbor Bankshares Corporation
HRBK
(Other OTC)

Recent

price

22.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

1997
1998
1999
2000
2001
2002
2003
2004
2005
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.31
2.21
3.3
3.18
3.81
3.49
4.49
2.65
3.16
2.47
2.53
9.3
12.05
19.05
19.65
- -
3.55
Revenue per Share
1.07
1.06
- -
0.82
1.02
1.47
2.46
2.07
2.73
-0.36
0.21
1.57
0.26
5.84
2.11
- -
2.79
Basic EPS, GAAP
0.48
0.06
-0.37
0.6
1.91
-0.08
-0.6
0.97
5.99
0.75
0.07
2.15
-2.97
2.86
0.01
- -
2.67
Free Cash Flow per Basic Share
- -
0.25
0.25
- -
- -
0.01
0.25
0.35
0.41
- -
- -
- -
0.2
0.26
1.62
- -
0.51
Dividend per Share
5.93
6.44
6.16
6.99
7.75
8.79
11.08
13.11
15.74
-1.28
-1.06
-1.86
-2.5
3.13
4.19
- -
17.53
Book Value per Share
9.88
10.44
6.23
10.76
13.6
14.91
16.73
18.67
20.27
1.52
1.76
6.25
6.28
13.64
15.12
- -
22.12
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
5
5
2
1
1
1
- -
1
Basic Weighted Avg Shares
2
2
2
2
3
3
3
2
2
13
14
16
15
24
25
23
2
Sales/Revenue/Turnover
- -
85.94
- -
-286.52
-227.05
-248.16
-187.16
-415.16
-360.67
- -
- -
- -
- -
- -
- -
- -
-344.27
Operating Margin (%)
1
1
1
1
1
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
1
1
Depreciation Expense
1
1
- -
1
1
1
2
1
2
-2
1
3
- -
7
3
1
2
Net Income, GAAP
36.42
30.32
78.54
33.72
29.73
30.49
31.77
34.27
36.18
- -
14.76
6.35
- -
- -
22.43
23.07
36.11
Effective Tax Rate (%)
46.28
48.05
0.06
25.82
26.74
42.07
54.74
78.01
86.34
-14.44
8.12
16.84
2.3
30.71
13.98
5.82
78.54
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
4
2
2
2
7
7
7
9
7
7
- -
- -
- -
- -
7
LT Debt
10
11
7
10
12
14
15
16
17
8
9
17
89
98
100
100
18
Total Equity
- -
8.65
- -
-32.34
-30.58
-29.12
-21.59
-22.26
-21.08
- -
- -
- -
- -
- -
- -
- -
-20.37
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
19.53
17.53
0.03
12.46
14.09
17.97
24.65
16.9
18.72
- -
- -
- -
- -
- -
58.07
-3.42
16.99
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'19
Jun'19
Sep'19
ST Debt
3
3
- -
LT Borrowings
7
7
7
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
- -
19
20

Working Capital

FRC

•

in mil. unless spec.
Mar'19
Jun'19
Sep'19
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5
9
12
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
2
2
ST Debt
3
3
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
50.34%
104.01%
-0.14%
Free Cash Flow
-229.53%
-612%
-3,439.1%
Net Income, GAAP
169.91%
396.38%
-60.56%
Sales/Revenue/Turnover
57.71%
13.72%
-5.2%
Total Cash Common Dividend
- -
- -
1.62%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
24
2024
- -
- -
- -
- -
25
2025
- -
- -
- -
- -
23

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
5.84
2024
- -
- -
- -
- -
2.11
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.26
2024
- -
- -
- -
- -
1.62
2025
- -
- -
- -
- -
- -
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Business
Harbor Bankshares Corporation Harbor Bankshares Corporation (HRBK) is a diversified bank holding company headquartered in Baltimore, Maryland, and organized under the laws of the State of Maryland in 1982. It owns and controls subsidiaries including The Harbor Bank of Maryland (HBM), a commercial bank operating seven locations primarily serving the Greater Baltimore Metropolitan area; Harbor Bankshares Capital Corporation (HBCC), which provides mezzanine capital to businesses through loans and community development principal investments; and The Harbor Bank of Maryland Community Development Corporation (CDC), a U.S. Treasury Certified Community Development Financial Institution (CDFI) and 501(c)(3) non-profit focused on accelerating economic development in underserved communities. HBM offers a comprehensive range of personal and business banking products and services, including personal checking plans, savings and investment accounts, time deposits, mortgages, personal loans and lines of credit, credit and debit cards, online banking, e-statements, and business checking options such as business choice checking, commercial checking, checking analysis, and sweep/money manager accounts; commercial real estate loans, construction and land development loans for residential, multifamily, and commercial properties including faith-based facilities, secured and unsecured commercial and industrial business loans and lines of credit, automobile loans, home improvement loans, and other installment and term loans; as well as full-service brokerage, insurance products, and financial planning through its investment subsidiary Harbor Financial Services. The company operates within the regional banking sector, targeting individual consumers, small to medium-sized businesses, and underserved communities in Maryland with a focus on community development lending and financial inclusion. Recent activities emphasize expansion of community development initiatives through HBCC and CDC, alongside sustained growth in core deposit and loan portfolios amid stable operations in the Greater Baltimore market, with no major acquisitions, partnerships, or strategic shifts reported in the past 1-2 years.