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Harbor BanksharesHRBK 65 Median PS Value is $13.45 as of Sep. 17, 2026. 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 1,066 Banks companies, Harbor Bankshares ranks worse than 89.87% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Harbor Bankshares (OTCPK:HRBK) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Harbor Bankshares's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
26.50
/
13.45
=
1.97
* 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 Median PS Value Related Terms
Harbor Bankshares Median PS Value Historical Data
* Premium members only.
The historical data trend for Harbor Bankshares's Median PS Value 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: Median PS Value Comparison
For the Banks - Regional subindustry, Harbor Bankshares's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.7332.
Harbor Bankshares's Revenue per Share 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 $18.344.
* 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 Median PS Value of $13.45 as of Sep. 17, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Harbor Bankshares and its competitors. According to the industry distribution chart, Harbor Bankshares ranks #958 out of 1066 companies in the Banks industry, placing it in the top 89.9%.
Is Harbor Bankshares' Median PS Value too high?
Harbor Bankshares' current Median PS Value is $13.45. The Banks industry median Median PS Value is 1.10. Harbor Bankshares' value of $13.45 is 1122.7% above this industry median. Based on the distribution chart, Harbor Bankshares ranks #958 out of 1066 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' Median PS Value compare to CDAB and ECLP?
According to the Banks industry distribution chart, Harbor Bankshares ranks #958 out of 1066 companies for Median PS Value. This places Harbor Bankshares in the lower half of its industry. The industry median Median PS Value is 1.10. Harbor Bankshares' value of $13.45 is 1122.7% 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.10, based on 1,066 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current Median PS Value of $13.45 is 1122.7% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median Median PS Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current Median PS Value is $13.45. 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 Median PS Value is $13.45 and 1122.7% above the Banks industry median of 1.10. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current Median PS Value is $13.45 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:
Median PS Value: $13.45
GF Value™: $18.21 vs. price of $26.50 (45.5% above fair value)
Industry Position: 1122.7% above the Banks median (#958 of 1066)
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
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