Harbor Bankshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001	2000 - 1996
Period Ending	Apr '26 Apr 29, 2026	Dec '05 Dec 31, 2005	Dec '04 Dec 31, 2004	Dec '03 Dec 31, 2003	Dec '02 Dec 31, 2002	Dec '01 Dec 31, 2001	2000 - 1996
Market Capitalization	26	17	-	-	-	-	Upgrade
Last Close Price	20.60	19.78	-	-	-	-	Upgrade
PE Ratio	7.95	9.16	-	-	-	-	Upgrade
PS Ratio	1.96	1.37	-	-	-	-	Upgrade
PB Ratio	1.46	1.02	-	-	-	-	Upgrade
P/FCF Ratio	19.85	16.22	-	-	-	-	Upgrade
P/OCF Ratio	10.37	4.17	-	-	-	-	Upgrade
Debt / Equity Ratio	0.40	0.43	0.44	0.47	0.14	0.16	Upgrade
Debt / FCF Ratio	5.48	6.79	10.51	-	-	1.42	Upgrade
Net Debt / Equity Ratio	-0.24	-0.93	-0.67	-0.64	-1.43	-1.36	Upgrade
Net Debt / FCF Ratio	-3.29	-14.81	-15.79	22.39	3514.05	-11.88	Upgrade
Return on Equity (ROE)	10.97%	11.35%	9.28%	12.13%	8.16%	6.49%	Upgrade
Return on Assets (ROA)	0.75%	0.77%	0.64%	0.83%	0.54%	0.39%	Upgrade
Earnings Yield	7.20%	10.92%	-	-	-	-	Upgrade
FCF Yield	5.04%	6.17%	-	-	-	-	Upgrade
Payout Ratio	18.25%	15.00%	16.86%	10.31%	0.35%	-	Upgrade
Buyback Yield / Dilution	2.38%	2.33%	0.09%	-0.44%	-2.32%	-4.76%	Upgrade
Total Shareholder Return	5.01%	2.33%	0.09%	-0.44%	-2.32%	-4.76%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.