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Harbor BanksharesHRBK 65 Pretax Margin % is 7.56% as of Dec. 2025, which is 58% below its 10-year median of 18.00. 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 1,525 Banks companies, Harbor Bankshares ranks worse than 92.66% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Harbor Bankshares Pretax Margin % Related Terms
Harbor Bankshares Pretax Margin % Historical Data
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The historical data trend for Harbor Bankshares's Pretax 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.
HRBK vs OTTW, PCLB, GNRV: Pretax Margin % Comparison
For the Banks - Regional subindustry, Harbor Bankshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's Pretax 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 Pretax Margin % of 7.56% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Harbor Bankshares and its competitors. This is 58% below median its historical median of 18.00. According to the industry distribution chart, Harbor Bankshares ranks #1413 out of 1525 companies in the Banks industry, placing it in the top 92.7%.
Is Harbor Bankshares' Pretax Margin % too high?
Harbor Bankshares' current Pretax Margin % of 7.56% is 58% below median its 10-year median of 18.00. The Banks industry median Pretax Margin % is 35.37. Harbor Bankshares' value of 7.56% is 78.6% below this industry median. Based on the distribution chart, Harbor Bankshares ranks #1413 out of 1525 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' Pretax Margin % compare to OTTW and PCLB?
According to the Banks industry distribution chart, Harbor Bankshares ranks #1413 out of 1525 companies for Pretax Margin %. This places Harbor Bankshares in the lower half of its industry. The industry median Pretax Margin % is 35.37. Harbor Bankshares' value of 7.56% is 78.6% below this benchmark. While the company's 10-year median is 18.00 vs. the industry median of 35.37, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.37, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current Pretax Margin % of 7.56% is 78.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current Pretax Margin % is 7.56%, which is 58% below median its own 10-year median of 18.00. 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 Pretax Margin % is 7.56%, which is 58% below median its 10-year median of 18.00 and 78.6% below the Banks industry median of 35.37. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current Pretax Margin % is 7.56% 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:
Pretax Margin %: 7.56% (58% below median its 10-year median of 18.00)
GF Value™: $17.91 vs. price of $27.80 (55.2% above fair value)
Industry Position: 78.6% below the Banks median (#1413 of 1525)
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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