Harford Bank is a banking services company. The company provides a full range of banking services to customers located in Harford and Cecil Counties and surrounding areas of northeastern Maryland. The company conducts general commercial banking in its primary service areas, emphasizing the banking needs of individuals and small to medium-sized businesses and professional concerns. The primary source of income for the Bank is the net interest income it earns. The bank has only one operating segment, which is commercial banking.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	5.82
Equity-to-Asset	0.09
Debt-to-Equity	0.27
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	9.4
	3-Year EPS without NRI Growth Rate	16.5
	3-Year FCF Growth Rate	46.1
	3-Year Book Growth Rate	8.2

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	43.93
	9-Day RSI	49.52
	14-Day RSI	53.65
	6-1 Month Momentum %	6.98
	12-1 Month Momentum %	5.5

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.64
	Dividend Payout Ratio	0.23
	3-Year Dividend Growth Rate	19.2
	Forward Dividend Yield %	2.67
	5-Year Yield-on-Cost %	4.06
	3-Year Average Share Buyback Ratio	-1
	Shareholder Yield %	12.28

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	28.48
	FCF Margin %	27.45
	ROE %	11.29
	ROA %	1
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.57
	PE Ratio without NRI	8.66
	Shiller PE Ratio	11.43
	Price-to-Owner-Earnings	8.01
	PEG Ratio	1.19
	PS Ratio	2.16
	PB Ratio	0.82
	Price-to-Tangible-Book	0.82
	Price-to-Free-Cash-Flow	7.85
	Price-to-Operating-Cash-Flow	7.45
	EV-to-Revenue	-1.27
	EV-to-FCF	-4.64
	Price-to-Projected-FCF	0.45
	Price-to-DCF (Earnings Based)	0.5
	Price-to-DCF (FCF Based)	0.25
	Price-to-Median-PS-Value	0.83
	Price-to-Peter-Lynch-Fair-Value	1.13
	Price-to-Graham-Number	0.56
	FCF Yield %	12.72
	Forward Rate of Return (Yacktman) %	19.1

Financials (Next Earnings Date:2025-02-06 Est.)

Annual Quarterly TTM

HFBK's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Gurus Latest Trades with OTCPK:HFBK

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Harford Bank Executives

Details

GF Value: $36.35

HFBK

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with HFBK. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	23.853
	EPS (TTM) ($)	4.56
	Beta	-0.17
	Volatility %	5.5
	14-Day RSI	53.65
	14-Day ATR ($)	0.163565
	20-Day SMA ($)	34.524
	12-1 Month Momentum %	5.5
	52-Week Range ($)	31.35 - 35
	Shares Outstanding (Mil)	1.49

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Harford Bank Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Harford Bank Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Harford Bank Frequently Asked Questions

What is Harford Bank(HFBK)'s stock price today?

The current price of HFBK is $34.50. The 52 week high of HFBK is $35.00 and 52 week low is $31.35.

When is next earnings date of Harford Bank(HFBK)?

The next earnings date of Harford Bank(HFBK) is 2025-02-06 Est..

Does Harford Bank(HFBK) pay dividends? If so, how much?

The Dividend Yield % of Harford Bank(HFBK) is 2.64% (As of Today), Highest Dividend Payout Ratio of Harford Bank(HFBK) was 0.53. The lowest was 0.2. And the median was 0.26. The Forward Dividend Yield % of Harford Bank(HFBK) is 2.67%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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