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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Harbor Bankshares's Total Liabilities for the quarter that ended in Dec. 2005 was $239.68 Mil. Harbor Bankshares's Total Assets for the quarter that ended in Dec. 2005 was $256.64 Mil.
Therefore, Harbor Bankshares's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2005 was 0.93.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Harbor Bankshares Liabilities-to-Assets Related Terms
Harbor Bankshares Liabilities-to-Assets Historical Data
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The historical data trend for Harbor Bankshares's Liabilities-to-Assets 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.
HRBK vs CDAB, ECLP, PFBN: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Harbor Bankshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Harbor Bankshares's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.93 as of Dec. 2005. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Harbor Bankshares and its competitors.
Is Harbor Bankshares' Liabilities-to-Assets too high?
Harbor Bankshares' current Liabilities-to-Assets is 0.93. 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' Liabilities-to-Assets compare to CDAB and ECLP?
Harbor Bankshares' Liabilities-to-Assets of 0.93 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Harbor Bankshares and its competitors. Harbor Bankshares's current Liabilities-to-Assets is 0.93. 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 $18.20, compared to a current price of $25.54 — trading 40.3% above its estimated fair value. The current Liabilities-to-Assets is 0.93. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current Liabilities-to-Assets is 0.93 as of Dec. 2005. 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 $25.54 is trading 40.3% above its estimated GF Value™ of $18.20.
GuruFocus considers Harbor Bankshares to be Significantly Overvalued.
Key valuation signals for HRBK:
Liabilities-to-Assets: 0.93
GF Value™: $18.20 vs. price of $25.54 (40.3% 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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