Harbor Bankshares Corporation
Other OTCTotal Valuation
Harbor Bankshares Corporation carries a market capitalization of 15.03M, placing it among publicly traded companies globally. Its enterprise value stands at 15.25M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 15.03M |
| Enterprise Value | 15.25M |
Share Statistics
Harbor Bankshares Corporation currently has 675,579.00 shares outstanding.
| Shares Outstanding | 675,579.00 |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Harbor Bankshares Corporation trades at a trailing price-to-earnings ratio of 10.41. The price-to-sales ratio is 8.18, and the price-to-book ratio stands at 1.65.
| PE Ratio | 10.41 |
| PS Ratio | 8.18 |
| PB Ratio | 1.65 |
| P/TBV Ratio | 1.31 |
| P/FCF Ratio | 6.45 |
| P/OCF Ratio | 7.77 |
Enterprise Valuation
| EV / Sales | 6.37 |
| EV / EBITDA | N/A |
| EV / EBIT | N/A |
| EV / FCF | 4.71 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 40.43 |
| Debt / EBITDA | -0.99 |
| Interest Coverage | N/A |
Financial Efficiency
Harbor Bankshares Corporation posts a return on equity of 16.99 and a return on invested capital of -20.37.
| Return on Equity (ROE) | 16.99 |
| Return on Assets (ROA) | 0.75 |
| Return on Invested Capital (ROIC) | -20.37 |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Harbor Bankshares Corporation has paid 1.06M in income taxes, reflecting an effective tax rate of 36.11.
| Income Tax | 1.06M |
| Effective Tax Rate | 36.11 |
Stock Price Statistics
Harbor Bankshares Corporation's stock has gained approximately 14.39589% over the past 52 weeks. The 50-day moving average sits at 20.83, while the 200-day moving average is 19.49.
| Beta (5Y) | N/A |
| 52-Week Price Change | 14.39589% |
| 50-Day Moving Average | 20.83 |
| 200-Day Moving Average | 19.49 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Harbor Bankshares Corporation generated 2.40M in revenue and converted that into 1.88M in net income, yielding earnings per share of 2.61. EBITDA reached -7.28M, while operating income came in at -8.25M.
| Revenue | 2.40M |
| Gross Profit | N/A |
| Operating Income | -8.25M |
| Pretax Income | 2.94M |
| Net Income | 1.88M |
| EBITDA | -7.28M |
| EBIT | -8.25M |
| Earnings Per Share (EPS) | 2.61 |
Balance Sheet
Harbor Bankshares Corporation holds 11.56M in cash and equivalents against 7.22M in total debt, resulting in a net debt position of -4.34M.
| Cash & Cash Equivalents | 11.56M |
| Total Debt | 7.22M |
| Net Debt | -4.34M |
| Equity (Book Value) | 11.84M |
| Book Value Per Share | 17.53 |
| Working Capital | N/A |
Cash Flow
Harbor Bankshares Corporation produced 2.52M in operating cash flow over the past twelve months. After subtracting -715,000.00 in capital expenditures, free cash flow totaled 1.81M - equivalent to 2.67 per share.
| Operating Cash Flow | 2.52M |
| Capital Expenditures | -715,000.00 |
| Free Cash Flow | 1.81M |
| FCF Per Share | 2.67 |
Margins
Harbor Bankshares Corporation operates with a gross margin of 100.00, reflecting its pricing power and cost economics. The operating margin of -344.27 and net profit margin of 78.54 provide insight into operational efficiency.
| Gross Margin | 100.00 |
| Operating Margin | -344.27 |
| Pretax Margin | 122.94 |
| Profit Margin | 78.54 |
| EBITDA Margin | -303.92 |
Dividends & Yields
The company's payout ratio of 18.25 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.51 |
| Dividend Yield | N/A |
| Payout Ratio | 18.25 |
| Shareholder Yield | -38.22 |
| FCF Yield | 15.51 |
Scores
Harbor Bankshares Corporation posts an Altman Z-Score of 0.02, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.02 |