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Harbor BanksharesHRBK 65 OCF Margin % is 4.96% as of Dec. 2025, which is 78% below its 10-year median of 22.05. 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 1,497 Banks companies, Harbor Bankshares ranks worse than 74.15% on this metric.
The historical data trend for Harbor Bankshares's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's OCF 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 OCF Margin % of 4.96% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Harbor Bankshares and its competitors. This is 78% below median its historical median of 22.05. According to the industry distribution chart, Harbor Bankshares ranks #1110 out of 1497 companies in the Banks industry, placing it in the top 74.1%.
Is Harbor Bankshares' OCF Margin % too high?
Harbor Bankshares' current OCF Margin % of 4.96% is 78% below median its 10-year median of 22.05. The Banks industry median OCF Margin % is 29.33. Harbor Bankshares' value of 4.96% is 83.1% below this industry median. Based on the distribution chart, Harbor Bankshares ranks #1110 out of 1497 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' OCF Margin % compare to OTTW and PCLB?
According to the Banks industry distribution chart, Harbor Bankshares ranks #1110 out of 1497 companies for OCF Margin %. This places Harbor Bankshares in the lower half of its industry. The industry median OCF Margin % is 29.33. Harbor Bankshares' value of 4.96% is 83.1% below this benchmark. While the company's 10-year median is 22.05 vs. the industry median of 29.33, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.33, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current OCF Margin % of 4.96% is 83.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median OCF Margin % is 29.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current OCF Margin % is 4.96%, which is 78% below median its own 10-year median of 22.05. 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 OCF Margin % is 4.96%, which is 78% below median its 10-year median of 22.05 and 83.1% below the Banks industry median of 29.33. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current OCF Margin % is 4.96% as of Dec. 2025. 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:
OCF Margin %: 4.96% (78% below median its 10-year median of 22.05)
GF Value™: $17.91 vs. price of $27.80 (55.2% above fair value)
Industry Position: 83.1% below the Banks median (#1110 of 1497)
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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