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Harbor BanksharesHRBK 65 EV-to-FCF is -169.00 as of Aug. 03, 2026. GuruFocus rates HRBK with a GF Score™ of 65/100 and a GF Value™ of $17.91 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,199 Banks companies, Harbor Bankshares ranks worse than 83402.75% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Harbor Bankshares's Enterprise Value is $86.19 Mil.
Harbor Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.51 Mil. Therefore, Harbor Bankshares's EV-to-FCF for today is -169.00.
The historical rank and industry rank for Harbor Bankshares's EV-to-FCF or its related term are showing as below:
HRBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -175.91 Med: -12.38 Max: 4761.73
Current: -169
During the past 13 years, the highest EV-to-FCF of Harbor Bankshares was 4761.73. The lowest was -175.91. And the median was -12.38.
HRBK's EV-to-FCF is ranked worse than 100% of 1199
companies
in the Banks industry
Industry Median: 7.18
vs HRBK: -169.00
EV-to-FCF 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-FCF 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 $27.80.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harbor Bankshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.120.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Harbor Bankshares EV-to-FCF Related Terms
Harbor Bankshares EV-to-FCF Historical Data
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The historical data trend for Harbor Bankshares's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's EV-to-FCF falls into.
Harbor Bankshares's current Enterprise Value is $86.19 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harbor Bankshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.51 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-FCF of -169.00 as of Aug. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Harbor Bankshares and its competitors. According to the industry distribution chart, Harbor Bankshares ranks #999999 out of 1199 companies in the Banks industry.
Is Harbor Bankshares' EV-to-FCF too high?
Harbor Bankshares' current EV-to-FCF is -169.00. Based on the distribution chart, Harbor Bankshares ranks #999999 out of 1199 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-FCF compare to OTTW and PCLB?
According to the Banks industry distribution chart, Harbor Bankshares ranks #999999 out of 1199 companies for EV-to-FCF. This places Harbor Bankshares in the lower half of its industry. The industry median EV-to-FCF is 7.18. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.18, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current EV-to-FCF is -169.00. 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 $17.91, compared to a current price of $27.80 — trading 55.2% above its estimated fair value. The current EV-to-FCF is -169.00. Harbor Bankshares' overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current EV-to-FCF is -169.00 as of Aug. 03, 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 $27.80 is trading 55.2% above its estimated GF Value™ of $17.91.
GuruFocus considers Harbor Bankshares to be Significantly Overvalued.
Key valuation signals for HRBK:
EV-to-FCF: -169.00
GF Value™: $17.91 vs. price of $27.80 (55.2% above fair value)
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
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