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Harbor Bankshares Corporation
HRBKFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $26.75M | 5.1% | $1.36M | -$508.3K | N/A |
| 2027 | $29.43M | 5.1% | $1.50M | -$559.2K | -$508.3K |
| 2028 | $32.37M | 5.1% | $1.65M | -$615.1K | -$508.3K |
| 2029 | $35.61M | 5.1% | $1.82M | -$676.6K | -$508.3K |
| 2030 | $39.17M | 5.1% | $2.00M | -$744.2K | -$508.3K |
| 2031 | $43.09M | 5.1% | $2.20M | -$818.7K | -$508.3K |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | -$0.12 | 2025-12-31 |
| EPS growth | -40.0% | Forecast years: 5 |
| Future EPS | N/A | EPS × (1 + G)^5 |
| Base P/E | 17.8 | P/E |
| Future price | N/A | Future EPS × P/E |
| Fair value today | N/A | PV @ 10.0% |
| 30% safety price | N/A | Margin of safety |
| 50% safety price | N/A | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$6.836 | -$7.843 | -$9.216 |
| 10.0% | -$5.819 | -$6.562 | -$7.533 |
| 11.0% | -$5.018 | -$5.583 | -$6.299 |