HFBK (Harford Bank) Net Loan: $552.97 Mil (As of Mar. 2026)

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HFBK Harford Bank HFBK
66 GF Score
Price $45.25
GF Value $39.80
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Harford Bank Net Loan?

Harford Bank HFBK +0.11% 66 Net Loan is $552.97 Mil as of Mar. 2026. GuruFocus rates HFBK with a GF Score™ of 66/100 and a GF Value™ of $39.80 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Harford Bank's quarterly net loan increased from Sep. 2025 ($496.19 Mil) to Dec. 2025 ($536.34 Mil) and increased from Dec. 2025 ($536.34 Mil) to Mar. 2026 ($552.97 Mil).

Harford Bank's annual net loan declined from Dec. 2023 ($502.25 Mil) to Dec. 2024 ($536.34 Mil) but then increased from Dec. 2024 ($536.34 Mil) to Dec. 2025 ($552.97 Mil).

Harford Bank Net Loan Historical Data

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The historical data trend for Harford Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Harford Bank Net Loan Chart

Harford Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 363.02 423.92 502.25 493.84 536.34

Harford Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 484.08 490.36 496.19 536.34 552.97
HFBK
66GF Score
Harford Bank HFBK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Harford Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $552.97 Mil mean?
Harford Bank (HFBK) has a Net Loan of $552.97 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Harford Bank and its competitors.
Is Harford Bank's Net Loan too high?
Harford Bank's current Net Loan is $552.97 Mil. Overall, Harford Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harford Bank's Net Loan compare to MNMB and CCBC?
Harford Bank's Net Loan of $552.97 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Harford Bank and its competitors. Harford Bank's current Net Loan is $552.97 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harford Bank stock overvalued right now?
Based on GuruFocus' analysis, Harford Bank (HFBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.80, compared to a current price of $45.25 — trading 13.7% above its estimated fair value. The current Net Loan is $552.97 Mil. Harford Bank's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Harford Bank (HFBK), the current Net Loan is $552.97 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Harford Bank (HFBK) Overvalued in 2026?

Based on GuruFocus' analysis, Harford Bank stock appears to be overvalued. The current stock price of $45.25 is trading 13.7% above its estimated GF Value™ of $39.80. GuruFocus considers Harford Bank to be Modestly Overvalued.

Key valuation signals for HFBK:

  • Net Loan: $552.97 Mil
  • GF Value™: $39.80 vs. price of $45.25 (13.7% above fair value)
  • GF Score™: 66/100 with 5 warning signs

No single metric tells the full story. See the HFBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Harford Bank Business Description

Address 8 West Bel Air Avenue, Aberdeen, MD, USA, 21001
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.
66GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.25
Price
$39.80
GF Value