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Harbor BanksharesHRBK 65 Shareholder Yield % is 0.29% as of Dec. 2025, which is 98% below its 10-year median of 17.93. 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 1,499 Banks companies, Harbor Bankshares ranks worse than 55.9% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Harbor Bankshares's Shareholder Yield % was 0.29%.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Harbor Bankshares Shareholder Yield % Related Terms
Harbor Bankshares Shareholder Yield % Historical Data
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The historical data trend for Harbor Bankshares's Shareholder 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.
HRBK vs OTTW, PCLB, GNRV: Shareholder Yield % Comparison
For the Banks - Regional subindustry, Harbor Bankshares's Shareholder Yield %, along with its competitors' market caps and Shareholder 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's Shareholder 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Harbor Bankshares (HRBK) has a Shareholder Yield % of 0.29% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Harbor Bankshares and its competitors. This is 98% below median its historical median of 17.93. Over the past decade, Harbor Bankshares' Shareholder Yield % has ranged from 0.15 to 70.99. According to the industry distribution chart, Harbor Bankshares ranks #838 out of 1499 companies in the Banks industry, placing it in the top 55.9%.
Is Harbor Bankshares' Shareholder Yield % too high?
Harbor Bankshares' current Shareholder Yield % of 0.29% is 98% below median its 10-year median of 17.93. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 70.99. The Banks industry median Shareholder Yield % is 1.48. Harbor Bankshares' value of 0.29% is 80.4% below this industry median. Based on the distribution chart, Harbor Bankshares ranks #838 out of 1499 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' Shareholder Yield % compare to OTTW and PCLB?
According to the Banks industry distribution chart, Harbor Bankshares ranks #838 out of 1499 companies for Shareholder Yield %. This places Harbor Bankshares in the lower half of its industry. The industry median Shareholder Yield % is 1.48. Harbor Bankshares' value of 0.29% is 80.4% below this benchmark. Historically, Harbor Bankshares' own Shareholder Yield % has ranged from 0.15 to 70.99 over the past decade. While the company's 10-year median is 17.93 vs. the industry median of 1.48, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.48, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harbor Bankshares's current Shareholder Yield % of 0.29% is 80.4% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median Shareholder Yield % is 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current Shareholder Yield % is 0.29%, which is 98% below median its own 10-year median of 17.93. 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 $17.91, compared to a current price of $27.80 — trading 55.2% above its estimated fair value. The current Shareholder Yield % is 0.29%, which is 98% below median its 10-year median of 17.93 and 80.4% below the Banks industry median of 1.48. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current Shareholder Yield % is 0.29% 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:
Shareholder Yield %: 0.29% (98% below median its 10-year median of 17.93)
GF Value™: $17.91 vs. price of $27.80 (55.2% above fair value)
Industry Position: 80.4% below the Banks median (#838 of 1499)
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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