Harbor Bankshares Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	May '26 May 27, 2026	Dec '05 Dec 31, 2005	Dec '04 Dec 31, 2004	Dec '03 Dec 31, 2003	Dec '02 Dec 31, 2002	Dec '01 Dec 31, 2001
Market Capitalization	26	17	-	-	-	-
Last Close Price	20.75	19.78	-	-	-	-
PE Ratio	8.00	9.16	-	-	-	-
PS Ratio	1.98	1.37	-	-	-	-
PB Ratio	1.48	1.02	-	-	-	-
P/FCF Ratio	19.99	16.22	-	-	-	-
P/OCF Ratio	10.44	4.17	-	-	-	-
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%
Earnings Yield	7.14%	10.92%	-	-	-	-
FCF Yield	5.00%	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	4.79%	2.33%	0.09%	-0.44%	-2.32%	-4.76%