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Harbor BanksharesHRBK 65 FCF Margin % is 35.58% as of Dec. 2006, which is 302% above its 10-year median of 8.86. GuruFocus rates HRBK with a GF Score™ of 65/100 and a GF Value™ of $18.21 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Harbor Bankshares ranks worse than 76.05% on this metric.
The historical data trend for Harbor Bankshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's FCF Margin % falls into.
* 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 FCF Margin % of 35.58% as of Dec. 2006. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harbor Bankshares and its competitors. This is 302% above median its historical median of 8.86. According to the industry distribution chart, Harbor Bankshares ranks #1159 out of 1524 companies in the Banks industry, placing it in the top 76%.
Is Harbor Bankshares' FCF Margin % too high?
Harbor Bankshares' current FCF Margin % of 35.58% is 302% above median its 10-year median of 8.86. The Banks industry median FCF Margin % is 28.94. Harbor Bankshares' value of 35.58% is 23% above this industry median. Based on the distribution chart, Harbor Bankshares ranks #1159 out of 1524 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' FCF Margin % compare to CDAB and ECLP?
According to the Banks industry distribution chart, Harbor Bankshares ranks #1159 out of 1524 companies for FCF Margin %. This places Harbor Bankshares in the lower half of its industry. The industry median FCF Margin % is 28.94. Harbor Bankshares' value of 35.58% is 23% above this benchmark. While the company's 10-year median is 8.86 vs. the industry median of 28.94, Harbor Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 28.94, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current FCF Margin % of 35.58% is 23% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median FCF Margin % is 28.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current FCF Margin % is 35.58%, which is 302% above median its own 10-year median of 8.86. 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 $18.21, compared to a current price of $26.50 — trading 45.5% above its estimated fair value. The current FCF Margin % is 35.58%, which is 302% above median its 10-year median of 8.86 and 23% above the Banks industry median of 28.94. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current FCF Margin % is 35.58% as of Dec. 2006. 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 $26.50 is trading 45.5% above its estimated GF Value™ of $18.21.
GuruFocus considers Harbor Bankshares to be Significantly Overvalued.
Key valuation signals for HRBK:
FCF Margin %: 35.58% (302% above median its 10-year median of 8.86)
GF Value™: $18.21 vs. price of $26.50 (45.5% above fair value)
Industry Position: 23% above the Banks median (#1159 of 1524)
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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