Harbor Bankshares Valuation
| HRBK Stock | USD 17.64 0.10 0.56% |
At this time, the firm appears to be fairly valued. Harbor Bankshares retains a regular Real Value of $17.85 per share. The prevalent price of the firm is $17.64. Our model calculates the value of Harbor Bankshares from evaluating the firm fundamentals such as Return On Equity of 0.11, current valuation of (3.25 M), and Return On Asset of 0.0075 as well as inspecting its technical indicators and probability of bankruptcy.
Fairly Valued
Today
Please note that Harbor Bankshares' price fluctuation is not too volatile at this time. Calculation of the real value of Harbor Bankshares is based on 3 months time horizon. Increasing Harbor Bankshares' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Harbor Bankshares' intrinsic value may or may not be the same as its current market price of 17.64, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 17.64 | Real 17.85 | Hype 17.64 | Naive 17.22 |
The intrinsic value of Harbor Bankshares' stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Harbor Bankshares' stock price.
Estimating the potential upside or downside of Harbor Bankshares helps investors to forecast how Harbor pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Harbor Bankshares more accurately as focusing exclusively on Harbor Bankshares' fundamentals will not take into account other important factors: Harbor Bankshares Total Value Analysis
Harbor Bankshares is currently forecasted to have valuation of (3.25 M) with market capitalization of 757.47 K, debt of 0, and cash on hands of 11.56 M. The negative valuation of Harbor Bankshares may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the Harbor Bankshares fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(3.25 M) | 757.47 K | 0 | 11.56 M |
Harbor Bankshares Investor Information
The company has price-to-book (P/B) ratio of 0.04. Some equities with similar Price to Book (P/B) outperform the market in the long run. Harbor Bankshares last dividend was issued on the 27th of February 2008. Based on the key indicators related to Harbor Bankshares' liquidity, profitability, solvency, and operating efficiency, Harbor Bankshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April.Harbor Bankshares Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Harbor suggests not a very effective usage of assets in March.Harbor Bankshares Profitability Analysis
The company reported the previous year's revenue of 12.59 M. Net Income was 1.88 M with profit before overhead, payroll, taxes, and interest of 12.59 M.About Harbor Bankshares Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Harbor Bankshares. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Harbor Bankshares based exclusively on its fundamental and basic technical indicators. By analyzing Harbor Bankshares's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Harbor Bankshares's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Harbor Bankshares. We calculate exposure to Harbor Bankshares's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Harbor Bankshares's related companies.Harbor Bankshares Corporation provides various banking services in Maryland. Harbor Bankshares Corporation was founded in 1982 and is based in Baltimore, Maryland. Harbor Bankshares operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 77 people.
8 Steps to conduct Harbor Bankshares' Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Harbor Bankshares' potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Harbor Bankshares' valuation analysis, follow these 8 steps:- Gather financial information: Obtain Harbor Bankshares' financial statements, including balance sheets, income statements, and cash flow statements.
- Determine Harbor Bankshares' revenue streams: Identify Harbor Bankshares' primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research Harbor Bankshares' industry and market trends, including the size of the market, growth rate, and competition.
- Establish Harbor Bankshares' growth potential: Evaluate Harbor Bankshares' management, business model, and growth potential.
- Determine Harbor Bankshares' financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Harbor Bankshares' estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Harbor Bankshares Growth Indicators
Investing in growth stocks can be very risky. If the company such as Harbor Bankshares does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Quarterly Earnings Growth Y O Y | -0.104 | |
| Retained Earnings | 10.9 M |
Other Information on Investing in Harbor Pink Sheet
Harbor Bankshares financial ratios help investors to determine whether Harbor Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Harbor with respect to the benefits of owning Harbor Bankshares security.