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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Harbor Bankshares's Enterprise Value is $84.85 Mil.
Harbor Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2006 was $2.54 Mil. Therefore, Harbor Bankshares's EV-to-OCF for today is 33.47.
The historical rank and industry rank for Harbor Bankshares's EV-to-OCF or its related term are showing as below:
HRBK'
s EV-to-OCF Range Over the Past 10 Years
Min: -60.48 Med: -11.02 Max: 77.27
Current: 33.47
During the past 13 years, the highest EV-to-OCF of Harbor Bankshares was 77.27. The lowest was -60.48. And the median was -11.02.
HRBK's EV-to-OCF is ranked worse than 93.35% of 1489
companies
in the Banks industry
Industry Median: 4.16
vs HRBK: 33.47
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Harbor Bankshares's PE Ratio (TTM) for today is calculated as:
Harbor Bankshares's share price for today is $26.70.
Harbor Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2006 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.846.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Harbor Bankshares EV-to-OCF Related Terms
Harbor Bankshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Harbor Bankshares's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Harbor Bankshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Harbor Bankshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's EV-to-OCF falls into.
Harbor Bankshares's current Enterprise Value is $84.85 Mil.
Harbor Bankshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2006 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.54 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Harbor Bankshares (HRBK) has a EV-to-OCF of 33.47 as of Sep. 21, 2026. According to the industry distribution chart, Harbor Bankshares ranks #1390 out of 1489 companies in the Banks industry, placing it in the top 93.4%.
Is Harbor Bankshares' EV-to-OCF too high?
Harbor Bankshares' current EV-to-OCF is 33.47. The Banks industry median EV-to-OCF is 4.16. Harbor Bankshares' value of 33.47 is 704.6% above this industry median. Based on the distribution chart, Harbor Bankshares ranks #1390 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Harbor Bankshares has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harbor Bankshares' EV-to-OCF compare to CDAB and ECLP?
According to the Banks industry distribution chart, Harbor Bankshares ranks #1390 out of 1489 companies for EV-to-OCF. This places Harbor Bankshares in the lower half of its industry. The industry median EV-to-OCF is 4.16. Harbor Bankshares' value of 33.47 is 704.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.16, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current EV-to-OCF of 33.47 is 704.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current EV-to-OCF is 33.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbor Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Harbor Bankshares (HRBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.24, compared to a current price of $26.70 — trading 46.4% above its estimated fair value. The current EV-to-OCF is 33.47 and 704.6% above the Banks industry median of 4.16. Harbor Bankshares' overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current EV-to-OCF is 33.47 as of Sep. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Harbor Bankshares (HRBK) Overvalued in 2026?
Based on GuruFocus' analysis, Harbor Bankshares stock appears to be overvalued.
The current stock price of $26.70 is trading 46.4% above its estimated GF Value™ of $18.24.
GuruFocus considers Harbor Bankshares to be Significantly Overvalued.
Key valuation signals for HRBK:
EV-to-OCF: 33.47
GF Value™: $18.24 vs. price of $26.70 (46.4% above fair value)
Industry Position: 704.6% above the Banks median (#1390 of 1489)
No single metric tells the full story. See the HRBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harbor Bankshares Corp is a bank holding company. The Bank is a commercial bank. The deposits of the Bank are insured up to statutory limits by the Federal Deposit Insurance Corporation (FDIC). The Bank conducts general banking business in locations and mainly serves the Baltimore, Maryland, metropolitan area. It offers checking, savings and time deposits, commercial real estate, personal, home improvement, automobiles, and other installment and term loans. The Bank is also a member of a national ATM network. The retail nature of the Bank allows for diversification of depositors and borrowers, which limits its dependency upon a single or a few customers. Its activities include providing private capital to businesses through loans and principal investments.
65GF Score
Get the complete analysis for HRBK
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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