Harbor Bankshares Corporation Financial Ratios — HRBK Stock

Profitability (USD)

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	17.53	0.03	12.46	14.09	17.97	24.65	16.9	18.72	- -	- -	- -	- -	- -	58.07	-3.42
Return on Assets (%)	0.45	- -	0.31	0.39	0.54	0.83	0.64	0.77	-0.67	0.35	0.81	0.09	1.85	0.88	0.35
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	8.65	- -	-32.34	-30.58	-29.12	-21.59	-22.26	-21.08	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	134.99	42.11	-240.9	-192.55	-229.14	-174.87	-388.89	-325.76	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	85.94	- -	-286.52	-227.05	-248.16	-187.16	-415.16	-360.67	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	64,753.85	-171.77	- -	- -	- -	- -	- -	- -	71.61	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	68.96	0.3	38.96	38.05	60.53	80.23	118.69	135.28	-10.02	9.53	17.99	1.43	19.48	18.02	7.56
Profit Margin (%)	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
Net Income to Common Margin (%)	48.05	0.06	25.82	26.74	42.07	54.74	78.01	86.34	-14.44	8.12	16.84	2.2	30.64	10.74	-0.67
Effective Tax Rate (%)	30.32	78.54	33.72	29.73	30.49	31.77	34.27	36.18	- -	14.76	6.35	- -	- -	22.43	23.07
Dvd Payout Ratio (%)	23.47	11,699.66	- -	- -	0.35	10.31	16.86	15	- -	- -	- -	72.64	4.25	46.74	-805.57
Sustainable Growth Rate (%)	13.42	-3.92	12.46	14.09	17.91	22.11	14.05	15.91	- -	- -	- -	- -	- -	30.93	-31.01

Credit (USD)

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	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	4	4	2	2	7	7	7	9	7	7	- -	- -	- -	- -
ST Debt	- -	- -	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	4	2	2	2	7	7	7	9	7	7	- -	- -	- -	- -
Total Debt/EBITDA	- -	4.16	-0.76	-0.38	-0.33	-1.27	-0.99	-1.02	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-9.53	-13.1	0.35	3.18	3.46	1.72	1.49	2.22	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	-0.64	-0.32	-0.31	-1.18	-0.93	-0.92	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-14.96	- -	0.3	2.7	3.19	1.61	1.39	2	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.39	2.39	2.61	2.97	3.06	3.66	3.93	4.23	-2.19	-1.77	-0.94	-0.78	0.98	1.34	0.98
Long-Term Debt/Equity (%)	- -	53.36	19.52	16.34	13.73	47.25	44.44	42.57	113.65	76.19	43.12	0.14	- -	- -	- -
Long-Term Debt/Capital (%)	- -	48.37	22.69	26.5	23.17	47.29	43.8	39.92	385.92	480.66	69.93	0.16	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	2.24	1.08	1.07	0.92	3.29	3.07	2.81	2.96	2.24	2.18	0.03	- -	- -	- -
Total Debt/Equity (%)	- -	53.36	39.04	16.34	13.73	47.25	44.44	42.57	113.65	76.19	43.12	0.14	- -	- -	- -
Total Debt/Capital (%)	- -	48.37	45.37	26.5	23.17	47.29	43.8	39.92	385.92	480.66	69.93	0.16	- -	- -	- -
Total Debt/Total Assets (%)	- -	2.24	2.17	1.07	0.92	3.29	3.07	2.81	2.96	2.24	2.18	0.03	- -	- -	- -
Net Debt to Equity	-182.63	-168.05	-18.2	-136.48	-143.35	-64.32	-66.8	-92.85	-844.76	-522.37	-481.94	-80.67	-62.53	-36.75	-28.89
Net Debt/Capital (%)	129.35	151.26	-63.2	149.69	146.55	551.68	682.6	322.43	103.61	103.13	114.67	-1,077.59	-257.86	-74.15	-51.47
EBITDA	2	1	-5	-5	-6	-6	-7	-7	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	- -	-6	-6	-6	-9	-9	-7	- -	- -	- -	-1	-1	-2	-2
Operating Income (Loss)	1	- -	-6	-6	-6	-6	-8	-8	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.39	2.39	2.61	2.97	3.06	3.66	3.93	4.23	-2.19	-1.77	-0.94	-0.78	0.98	1.34	0.98
Long-Term Debt/Equity (%)	- -	53.36	19.52	16.34	13.73	47.25	44.44	42.57	113.65	76.19	43.12	0.14	- -	- -	- -
Long-Term Debt/Capital (%)	- -	48.37	22.69	26.5	23.17	47.29	43.8	39.92	385.92	480.66	69.93	0.16	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	2.24	1.08	1.07	0.92	3.29	3.07	2.81	2.96	2.24	2.18	0.03	- -	- -	- -
Total Debt/Equity (%)	- -	53.36	39.04	16.34	13.73	47.25	44.44	42.57	113.65	76.19	43.12	0.14	- -	- -	- -
Total Debt/Capital (%)	- -	48.37	45.37	26.5	23.17	47.29	43.8	39.92	385.92	480.66	69.93	0.16	- -	- -	- -
Total Debt/Total Assets (%)	- -	2.24	2.17	1.07	0.92	3.29	3.07	2.81	2.96	2.24	2.18	0.03	- -	- -	- -
CFO/Total Liabilities	0.34	0.53	0.47	0.94	0.22	1.33	1.15	1.72	1.36	0.18	1.23	-0.85	1.55	0.55	0.4
CFO/CapEx	1.08	0.78	2.04	5.94	0.87	0.86	1.38	- -	31.27	2.94	15.96	-2.37	4.38	1.01	0.69
Altman's Z-Score	0.07	0.05	-0.06	-0.05	-0.05	-0.03	-0.01	0.01	0.02	0.04	0.04	0.06	0.1	0.11	0.07

Working Capital (USD)

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	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	14	17	3	10	2	18	12	16	- -
- Cash & Cash Equivalents	19	17	6	19	22	17	18	23	69	50	81	72	61	37	29
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6	81	81	81	81
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	4	4	2	2	7	7	7	9	7	7	- -	- -	- -	- -
Enterprise Value	-19	-13	-2	-17	-20	-10	4	2	-56	-32	-65	28	32	61	52
Total Capital	4	8	9	8	8	15	16	18	2	2	10	78	85	87	85
Total Debt/Capital (%)	- -	48.37	45.37	26.5	23.17	47.29	43.8	39.92	385.92	480.66	69.93	0.16	- -	- -	- -
Total Debt / EV	- -	-0.32	-2.14	-0.12	-0.1	-0.73	1.99	4.49	-0.16	-0.22	-0.11	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	1.94	0.74	- -	- -	- -	1.89	1.37	2.47	2.24
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.44	0.39	- -	- -	- -	- -	7.06	37.45	45.09
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.84	0.39	- -	- -	- -	- -	5.75	18.82	18.48
Diluted Market Cap	- -	- -	- -	- -	- -	- -	16	19	3	10	2	18	12	16	- -
Diluted Enterprise Value	-19	-13	-2	-17	-20	-10	5	3	-56	-32	-65	28	32	61	52
EV per Share	- -	- -	- -	- -	- -	- -	5.14	2.33	- -	- -	- -	22.74	26.15	48.48	- -
TTM Sales	2	2	2	3	3	3	2	2	13	14	16	15	24	25	23
TTM EBITDA	2	1	-5	-5	-6	-6	-7	-7	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	- -	-6	-6	-6	-6	-8	-8	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	1	2	- -	3	3	4	4	1	4	-3	5	2	1
TTM Free Cash Flow to Firm	1	2	1	2	1	6	4	4	4	1	4	-1	6	3	3

Multiples (USD)

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	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	3.57	4.49	0.69	13.27	0.55	-12.22	2.2	5.08	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-19	-13	-2	-17	-20	-10	4	2	-56	-32	-65	28	32	61	52
Low Price	- -	- -	- -	- -	- -	- -	20	19	0.46	0.3	1.33	1.12	9.45	7.48	13.1
EV/Sales	- -	- -	- -	- -	- -	- -	1.94	0.74	- -	- -	- -	1.89	1.37	2.47	2.24
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	9.9	9.21	- -	9.01	0.85	55.77	1.71	6.21	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	9.78	7.74	-1.67	5.02	1.38	28.34	2.68	5.09	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	9.9	9.21	-2.07	41.89	2.52	75.62	4.45	6.87	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	9.66	6.96	-1.29	1.46	0.85	4.23	1.62	3.55	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	1.56	1.6	-0.43	-1.75	-0.72	-5.89	3.2	3.12	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	1.54	1.34	-0.46	-0.97	-1.16	-2.99	5	2.56	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	1.56	1.6	-0.58	-8.11	-2.12	-7.99	8.32	3.46	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	1.53	1.21	-0.36	-0.28	-0.72	-0.45	3.02	1.78	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	1.1	1.24	0.36	1.05	0.21	2.35	0.73	0.87	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	1.08	1.04	0.39	0.59	0.35	1.19	1.15	0.71	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	1.1	1.24	0.49	4.9	0.63	3.19	1.91	0.96	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	1.07	0.94	0.3	0.17	0.21	0.18	0.69	0.49	- -
Price/Sales	- -	- -	- -	- -	- -	- -	7.73	7.95	0.22	0.73	0.14	1.22	0.52	0.67	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	7.63	6.68	0.24	0.41	0.23	0.62	0.82	0.55	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	7.73	7.95	0.3	3.4	0.42	1.66	1.36	0.74	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	7.54	6.01	0.19	0.12	0.14	0.09	0.5	0.38	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	5.75	4.2	0.71	17.79	0.58	-7.07	2.7	10.12	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	5.68	3.53	0.77	9.9	0.95	-3.59	4.22	8.29	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	5.75	4.2	0.95	82.72	1.72	-9.58	7.02	11.2	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	5.61	3.17	0.59	2.89	0.58	-0.54	2.55	5.78	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	3.53	3.78	0.74	7.39	0.89	-6.21	3.44	4.17	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	3.57	4.49	0.92	61.71	1.62	-16.56	5.71	5.63	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	3.49	3.4	0.57	2.15	0.55	-0.93	2.08	2.9	- -
EV/Sales Average	- -	- -	- -	- -	- -	- -	1.84	- -	- -	- -	- -	1.28	1.67	2.35	2.24
EV/Sales High	- -	- -	- -	- -	- -	- -	1.94	0.74	- -	0.3	- -	2.32	2.21	2.54	2.24
EV/Sales Low	- -	- -	- -	- -	- -	- -	1.75	- -	- -	- -	- -	0.76	1.34	2.18	2.24
EV/EBITDA Average	-9.53	-13.1	0.35	3.18	3.46	1.72	-0.47	0.16	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-9.53	-13.1	0.35	3.18	3.46	1.72	-0.5	-0.23	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-9.53	-13.1	0.35	3.18	3.46	1.72	-0.45	0.37	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-14.96	- -	0.3	2.7	3.19	1.61	-0.44	0.15	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-14.96	- -	0.3	2.7	3.19	1.61	-0.47	-0.2	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-14.96	- -	0.3	2.7	3.19	1.61	-0.42	0.34	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	20.5	25.15	0.55	1.85	1.33	14.75	9.99	13.1	19
High Price	- -	- -	- -	- -	- -	- -	20.5	25.15	0.74	8.6	3.95	20	26	14.5	21.5
Enterprise Value Average	-19	-13	-2	-17	-20	-10	3	-1	-56	-37	-64	19	39	58	52
Enterprise Value High	-19	-13	-2	-17	-20	-10	4	2	-55	4	-61	34	52	63	52
Enterprise Value Low	-19	-13	-2	-17	-20	-10	3	-3	-57	-41	-65	11	32	54	52

Shares Outstanding	1	1	1	1	1	1	1	1	5	5	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	5	5	2	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	5	5	2	1	1	1	- -
Revenue per Share	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	- -
EBITDA per Share	2.98	1.39	-7.65	-7.34	-8.01	-7.86	-10.32	-10.3	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	1.9	- -	-9.1	-8.66	-8.67	-8.41	-11.02	-11.4	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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	- -
Basic EPS from Cont Ops	1.06	- -	0.82	1.02	1.47	2.46	2.07	2.73	-0.36	0.21	1.57	0.28	5.85	2.75	- -
Diluted EPS, GAAP	0.91	- -	0.8	0.99	1.43	2.36	1.93	2.55	-0.36	0.21	1.57	0.26	5.84	2.11	- -
Diluted EPS from Cont Ops	0.91	- -	0.8	0.99	1.43	2.36	1.93	2.55	-0.36	0.21	1.57	0.28	5.85	2.75	- -
Dividend per Share	0.25	0.25	- -	- -	0.01	0.25	0.35	0.41	- -	- -	- -	0.2	0.26	1.62	- -
Cash Flow per Share	0.86	1.3	1.18	2.3	0.58	3.74	3.56	5.99	0.78	0.1	2.29	-2.09	3.71	1.29	- -
Free Cash Flow per Basic Share	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	- -
Cash & Equivalents per Share	28.37	23.97	8.51	26.14	30.33	23.48	25.58	33.28	12.87	9.18	47.96	59.08	49.73	29.34	- -
Book Value per Share	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	- -
Tangible Book Value per Share	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	- -

Harbor Bankshares Corporation

Profitability (USD)

Credit (USD)

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Enterprise Value (USD)

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Per Share Data Items (USD)