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Harbor Bankshares Corporation (HRBK) Fair Value & Analysis

Financial Services · US · Market cap $25.4M

Price$22.84
Fair Value$14.71
Upside-35.6%
Quality95/100
Evidence: High Range $11.03 – $18.39

Fair value as of: Jun 26, 2026

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Analysis

Harbor Bankshares Corporation (HRBK) currently trades at $22.84, while our model-based Fair Value estimate is $14.71 — implying the stock looks roughly 35.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Harbor Bankshares Corporation provides various banking services in Maryland. The company offers personal checking, savings and investment, cards, individual retirement plans, certificate of deposits, mortgages, loans and lines of credit, online banking, bill pay, mobile banking, E-statement, telebanc, and interest rate services. It also provides business loans, remote deposit, positive pay, cash management, and merchant services. In addition, the company offers personal, home equity, installment, and VIP loans; home equity and overdraft lines of credit. Further, the company provides brokerage and insurance products. Harbor Bankshares Corporation was founded in 1982 and is based in Baltimore, Maryland.

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Frequently asked questions

Is Harbor Bankshares Corporation (HRBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $14.71 versus a price of $22.84 — about −36% (overvalued). Model-based estimate, not financial advice.
What is the fair value of HRBK?
Our 21-model fair value for Harbor Bankshares Corporation is $14.71 (as of Jun 26, 2026), built from audited fundamentals. The current price is $22.84.
What is the quality score of HRBK?
Harbor Bankshares Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.