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Harbor BanksharesHRBK 65 FCF Yield % is 4.89 as of Sep. 17, 2026, which is 29% above its 10-year median of 3.79. 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 1,491 Banks companies, Harbor Bankshares ranks worse than 62.64% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Harbor Bankshares FCF Yield % Related Terms
Harbor Bankshares FCF Yield % Historical Data
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The historical data trend for Harbor Bankshares's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's FCF Yield % 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 Yield % of 4.89 as of Sep. 17, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Harbor Bankshares and its competitors. This is 29% above median its historical median of 3.79. According to the industry distribution chart, Harbor Bankshares ranks #934 out of 1491 companies in the Banks industry, placing it in the top 62.6%.
Is Harbor Bankshares' FCF Yield % too high?
Harbor Bankshares' current FCF Yield % of 4.89 is 29% above median its 10-year median of 3.79. The Banks industry median FCF Yield % is 7.91. Harbor Bankshares' value of 4.89 is 38.2% below this industry median. Based on the distribution chart, Harbor Bankshares ranks #934 out of 1491 companies in the Banks industry, which is below the industry midpoint. 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 Yield % compare to CDAB and ECLP?
According to the Banks industry distribution chart, Harbor Bankshares ranks #934 out of 1491 companies for FCF Yield %. This places Harbor Bankshares in the lower half of its industry. The industry median FCF Yield % is 7.91. Harbor Bankshares' value of 4.89 is 38.2% below this benchmark. While the company's 10-year median is 3.79 vs. the industry median of 7.91, Harbor Bankshares has consistently been below 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.91, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current FCF Yield % of 4.89 is 38.2% below 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median FCF Yield % is 7.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current FCF Yield % is 4.89, which is 29% above median its own 10-year median of 3.79. 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 Yield % is 4.89, which is 29% above median its 10-year median of 3.79 and 38.2% below the Banks industry median of 7.91. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current FCF Yield % is 4.89 as of Sep. 17, 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 $26.50 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 Yield %: 4.89 (29% above median its 10-year median of 3.79)
GF Value™: $18.21 vs. price of $26.50 (45.5% above fair value)
Industry Position: 38.2% below the Banks median (#934 of 1491)
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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