Business Description
Harford Bank
NAICS : 522110
SIC : 6022
ISIN : US4124791074
Total Employee Number:
96Description
Harford Bank provides a full range of banking services to its customers through a network of branches located in Harford and Cecil Counties and the surrounding areas of northeastern Maryland. Its various financial products and service offerings include checking accounts, savings accounts, money market accounts, mobile banking services, a full range of commercial and consumer loans, drive-through banking services, and automated teller machine (ATM) services, among others. The bank conducts commercial banking in its primary service areas, catering to the banking needs of individuals, small to medium-sized businesses, and professionals.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | No Debt | |||||
Equity-to-Asset | 0.1 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 7.9 | |||||
3-Year EPS without NRI Growth Rate | 10.1 | |||||
3-Year FCF Growth Rate | 4.8 | |||||
3-Year Book Growth Rate | 8.7 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 99.76 | |||||
9-Day RSI | 98.61 | |||||
14-Day RSI | 96.28 | |||||
3-1 Month Momentum % | -2.34 | |||||
6-1 Month Momentum % | -4.79 | |||||
12-1 Month Momentum % | 19.37 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.13 | |||||
Dividend Payout Ratio | 0.2 | |||||
3-Year Dividend Growth Rate | 7.6 | |||||
Forward Dividend Yield % | 2.17 | |||||
5-Year Yield-on-Cost % | 3.74 | |||||
3-Year Average Share Buyback Ratio | -0.9 | |||||
Shareholder Yield % | 2.13 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 26.42 | |||||
FCF Margin % | 30.02 | |||||
OCF Margin % | 31.16 | |||||
ROE % | 10.57 | |||||
ROA % | 1.01 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 2 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 9.47 | |||||
PE Ratio without NRI | 9.47 | |||||
Shiller PE Ratio | 12.85 | |||||
Price-to-Owner-Earnings | 10.2 | |||||
PEG Ratio | 1.13 | |||||
PS Ratio | 2.51 | |||||
PB Ratio | 0.96 | |||||
Price-to-Tangible-Book | 0.96 | |||||
Price-to-Free-Cash-Flow | 8.35 | |||||
Price-to-Operating-Cash-Flow | 8.05 | |||||
EV-to-Revenue | 0.6 | |||||
EV-to-FCF | 1.99 | |||||
Price-to-GF-Value | 1.17 | |||||
Price-to-Projected-FCF | 0.51 | |||||
Price-to-DCF (Earnings Based) | 0.43 | |||||
Price-to-DCF (FCF Based) | 0.44 | |||||
Price-to-Median-PS-Value | 1.06 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.13 | |||||
Price-to-Graham-Number | 0.63 | |||||
FCF Yield % | 12.02 | |||||
Forward Rate of Return (Yacktman) % | 18.93 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Harford Bank Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 27.836 | ||
| EPS (TTM) ($) | 4.86 | ||
| Beta | -0.0707 | ||
| 3-Year Sharpe Ratio | 0.18 | ||
| 3-Year Sortino Ratio | 0.34 | ||
| Volatility % | 21.79 | ||
| 14-Day RSI | 96.28 | ||
| 14-Day ATR ($) | 0.480733 | ||
| 20-Day SMA ($) | 42.396 | ||
| 12-1 Month Momentum % | 19.37 | ||
| 52-Week Range ($) | 33.35 - 47 | ||
| Shares Outstanding (Mil) | 1.51 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Harford Bank Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Harford Bank Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings results for 2026 | 2026-11-06 | In 124 days | ||
| Second quarter earnings results for 2026 | 2026-08-11 | In 37 days | ||
| General meeting for 2026 | 2026-07-09 10:00 | In 5 days | ||
| USD 0.250000 Cash Dividend | 2026-06-01 | 39.99 (+1.09%) | ||
| First quarter earnings results for 2026 | 2026-05-07 | 39.97 (+0.00%) | ||
| Annual report for 2025 | 2026-03-11 | 41.70 (+0.00%) | ||
| USD 0.250000 Cash Dividend | 2026-03-02 | 42.25 (+0.00%) | ||
| USD 0.240000 Cash Dividend | 2025-12-01 | 38.86 (+0.00%) | ||
| Third quarter earnings results for 2025 | 2025-11-07 | 38.50 (+0.00%) | ||
| USD 0.240000 Cash Dividend | 2025-09-05 | 38.03 (+6.74%) |
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Harford Bank Frequently Asked Questions
What is Harford Bank(HFBK)'s stock price today?
The current price of HFBK is $46.00. The 52 week high of HFBK is $47.00 and 52 week low is $33.35.
When is next earnings date of Harford Bank(HFBK)?
The next earnings date of Harford Bank(HFBK) is 2026-08-11 Est..
Does Harford Bank(HFBK) pay dividends? If so, how much?
The Dividend Yield %  of Harford Bank(HFBK) is 2.13% (As of Today), Highest Dividend Payout Ratio of Harford Bank(HFBK) was 0.47. The lowest was 0.2. And the median was 0.22. The  Forward Dividend Yield % of Harford Bank(HFBK) is 2.17%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on OTCPK:HFBK
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Press Release
| Subject | Date | ||
|---|---|---|---|
| Harford Bank Announces Change In Location And Format Of 2020 Annual Meeting To Be Held On May 20, 2020 | 2020-05-12 |
Articles on Harford Bank
No articles.
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