Harbor Bankshares (HRBK) Ratios

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Harbor Bankshares Ratios

See a summary of HRBK’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	7.26	0.14	0.22	0.25
Quick Ratio	―	7.26	0.14	0.22	0.25
Cash Ratio	―	2.67	0.13	0.22	0.25
Solvency Ratio	―	<0.01	0.01	0.03	<0.01
Operating Cash Flow Ratio	―	1.03	<0.01	0.02	>-0.01
Short-Term Operating Cash Flow Coverage	―	1.03	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -284.72M	$ -254.69M	$ -230.99M	$ -226.54M
Leverage Ratios
Debt-to-Assets Ratio	―	<0.01	0.00	0.00	<0.01
Debt-to-Equity Ratio	―	0.03	0.00	0.00	<0.01
Debt-to-Capital Ratio	―	0.03	0.00	0.00	<0.01
Long-Term Debt-to-Capital Ratio	―	0.00	0.00	0.00	<0.01
Financial Leverage Ratio	―	3.93	3.93	4.00	4.37
Debt Service Coverage Ratio	―	0.44	-0.34	2.55	0.29
Interest Coverage Ratio	―	0.53	1.77	1.53	0.10
Debt to Market Cap	―	0.05	0.00	0.00	<0.01
Interest Debt Per Share	―	5.34	2.33	2.42	1.84
Net Debt to EBITDA	―	0.19	0.00	-12.35	-147.16
Profitability Margins
Gross Profit Margin	―	85.55%	100.00%	88.72%	87.36%
EBIT Margin	―	6.61%	-1.96%	17.28%	1.25%
EBITDA Margin	―	8.90%	0.00%	18.74%	2.91%
Operating Profit Margin	―	6.61%	21.06%	17.28%	1.25%
Pretax Profit Margin	―	6.61%	18.02%	17.28%	1.25%
Net Profit Margin	―	5.08%	13.98%	27.25%	2.01%
Continuous Operations Profit Margin	―	5.08%	13.98%	27.25%	2.01%
Net Income Per EBT	―	76.93%	77.57%	157.67%	161.34%
EBT Per EBIT	―	100.00%	85.56%	100.00%	100.00%
Return on Assets (ROA)	―	0.35%	0.87%	1.84%	0.09%
Return on Equity (ROE)	―	1.36%	3.44%	7.36%	0.38%
Return on Capital Employed (ROCE)	―	0.45%	4.62%	4.17%	0.21%
Return on Invested Capital (ROIC)	―	0.35%	3.58%	4.17%	0.21%
Return on Tangible Assets	―	0.35%	0.87%	1.84%	0.09%
Earnings Yield	―	5.62%	20.96%	58.57%	1.87%
Efficiency Ratios
Receivables Turnover	―	9.00	9.44	12.29	11.38
Payables Turnover	―	0.00	0.00	4.72	3.23
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	2.87	5.02	7.00	5.35
Asset Turnover	―	0.07	0.06	0.07	0.04
Working Capital Turnover Ratio	―	-0.23	-0.11	-0.12	-0.08
Cash Conversion Cycle	―	40.56	38.68	-47.69	-81.11
Days of Sales Outstanding	―	40.56	38.68	29.70	32.07
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	77.39	113.17
Operating Cycle	―	40.56	38.68	29.70	32.07
Cash Flow Ratios
Operating Cash Flow Per Share	―	0.91	1.29	3.71	-2.07
Free Cash Flow Per Share	―	-0.40	0.01	2.86	-2.95
CapEx Per Share	―	1.31	1.28	0.85	0.87
Free Cash Flow to Operating Cash Flow	―	-0.44	<0.01	0.77	1.42
Dividend Paid and CapEx Coverage Ratio	―	0.26	0.45	3.35	-1.92
Capital Expenditure Coverage Ratio	―	0.69	1.01	4.38	-2.37
Operating Cash Flow Coverage Ratio	―	0.34	0.00	0.00	-19.79
Operating Cash Flow to Sales Ratio	―	0.04	0.07	0.17	-0.15
Free Cash Flow Yield	―	-2.11%	0.09%	28.63%	-19.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	-158.33	6.21	1.71	53.51
Price-to-Sales (P/S) Ratio	―	0.91	0.67	0.47	1.08
Price-to-Book (P/B) Ratio	―	0.24	0.16	0.13	0.20
Price-to-Free Cash Flow (P/FCF) Ratio	―	-47.45	1.08K	3.49	-5.00
Price-to-Operating Cash Flow Ratio	―	20.86	10.12	2.70	-7.11
Price-to-Earnings Growth (PEG) Ratio	―	1.50	-0.10	<0.01	-0.64
Price-to-Fair Value	―	0.24	0.16	0.13	0.20
Enterprise Value Multiple	―	10.36	0.00	-9.87	-110.13
Enterprise Value	―	24.67M	-20.40M	-49.02M	-53.56M
EV to EBITDA	―	10.36	0.00	-9.87	-110.13
EV to Sales	―	0.92	-0.83	-1.85	-3.20
EV to Free Cash Flow	―	-48.33	-1.33K	-13.89	14.88
EV to Operating Cash Flow	―	21.25	-12.55	-10.73	21.14
Tangible Book Value Per Share	―	78.54	79.84	79.54	72.79
Shareholders’ Equity Per Share	―	78.54	79.84	79.54	72.79
Tax and Other Ratios
Effective Tax Rate	―	0.23	0.22	-0.58	-0.61
Revenue Per Share	―	20.99	19.65	21.48	13.71
Net Income Per Share	―	1.07	2.75	5.85	0.28
Tax Burden	―	0.77	0.78	1.58	1.61
Interest Burden	―	1.00	-9.19	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.47	0.11	0.08	0.06
Stock-Based Compensation to Revenue	―	0.01	<0.01	0.00	0.01
Income Quality	―	0.85	0.47	0.63	-7.53

Currency in USD