Harbor Bankshares Corporation (HRBK)

Harbor Bankshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Total Valuation

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Aug 20, 2026	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Market Capitalization	32	17	-	-	-	-
Market Cap Growth	21.16%	-	-	-	-	-
Last Close Price	24.96	19.78	-	-	-	-

Price Ratios

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Aug 20, 2026	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
PE Ratio	9.63	9.16	-	-	-	-
PS Ratio	2.38	1.37	-	-	-	-
PB Ratio	1.77	1.02	-	-	-	-
P/FCF Ratio	24.05	16.22	-	-	-	-
P/OCF Ratio	12.56	4.17	-	-	-	-

Financial Efficiency

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Aug 20, 2026	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Debt / Equity Ratio	0.40	0.43	0.44	0.47	0.14	0.16
Debt / FCF Ratio	5.48	6.79	10.51	-	-	1.42
Net Debt / Equity Ratio	-0.24	-0.93	-0.67	-0.64	-1.43	-1.36
Net Debt / FCF Ratio	-3.29	-14.81	-15.79	22.39	3514.05	-11.88
Return on Equity (ROE)	10.97%	11.35%	9.28%	12.13%	8.16%	6.49%
Return on Assets (ROA)	0.75%	0.77%	0.64%	0.83%	0.54%	0.39%

Yields

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Aug 20, 2026	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Earnings Yield	5.94%	10.92%	-	-	-	-
FCF Yield	4.16%	6.17%	-	-	-	-
Payout Ratio	18.25%	15.00%	16.86%	10.31%	0.35%	-
Buyback Yield / Dilution	2.38%	2.33%	0.09%	-0.44%	-2.32%	-4.76%
Total Shareholder Return	4.34%	2.33%	0.09%	-0.44%	-2.32%	-4.76%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2006

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

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