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Harbor BanksharesHRBK 65 5-Year Yield-on-Cost % is 0.00 as of Aug. 03, 2026. 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 1,252 Banks companies, Harbor Bankshares ranks worse than 79872.12% on this metric.
Harbor Bankshares's yield on cost for the quarter that ended in Dec. 2025 was 0.00.
The historical rank and industry rank for Harbor Bankshares's 5-Year Yield-on-Cost % or its related term are showing as below:
HRBK's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.825 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Harbor Bankshares 5-Year Yield-on-Cost % Related Terms
HRBK vs OTTW, PCLB, GNRV: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Harbor Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Harbor Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Harbor Bankshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Harbor Bankshares (HRBK) has a 5-Year Yield-on-Cost % of 0.00 as of Aug. 03, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Harbor Bankshares and its competitors. According to the industry distribution chart, Harbor Bankshares ranks #999999 out of 1252 companies in the Banks industry.
Is Harbor Bankshares' 5-Year Yield-on-Cost % too high?
Harbor Bankshares' current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Harbor Bankshares ranks #999999 out of 1252 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' 5-Year Yield-on-Cost % compare to OTTW and PCLB?
According to the Banks industry distribution chart, Harbor Bankshares ranks #999999 out of 1252 companies for 5-Year Yield-on-Cost %. This places Harbor Bankshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Harbor Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbor Bankshares's current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Harbor Bankshares (HRBK), the current 5-Year Yield-on-Cost % is 0.00 as of Aug. 03, 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 $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:
5-Year Yield-on-Cost %: 0.00
GF Value™: $17.91 vs. price of $27.80 (55.2% 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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