Harford BankHFBK +1.10%61 FCF Margin % is 34.56% as of Mar. 2026, which is 29% above its 10-year median of 26.88. GuruFocus rates HFBK with a GF Score™ of 61/100 and a GF Value™ of $39.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,506 Banks companies, Harford Bank ranks better than 56.51% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Harford Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was $2.50 Mil. Harford Bank's Revenue for the
three
months ended in Mar. 2026 was $7.22 Mil. Therefore, Harford Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 34.56%.
The historical rank and industry rank for Harford Bank's FCF Margin % or its related term are showing as below:
HFBK'
s FCF Margin % Range Over the Past 10 Years
Min: 12.32 Med: 26.88 Max: 38.65
Current: 30.02
During the past 13 years, the highest FCF Margin % of Harford Bank was 38.65%. The lowest was 12.32%. And the median was 26.88%.
HFBK's FCF Margin % is ranked better than 56.51% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs HFBK: 30.02
Harford Bank FCF Margin % Related Terms
Harford Bank FCF Margin % Historical Data
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The historical data trend for Harford Bank's FCF Margin % 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.
For the Banks - Regional subindustry, Harford Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Harford Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harford Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Harford Bank's FCF Margin % falls into.
* 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 (HFBK) has a FCF Margin % of 34.56% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harford Bank and its competitors. This is 29% above median its historical median of 26.88. Over the past decade, Harford Bank's FCF Margin % has ranged from 12.32 to 38.65. According to the industry distribution chart, Harford Bank ranks #655 out of 1506 companies in the Banks industry, placing it in the top 43.5%.
Is Harford Bank's FCF Margin % too high?
Harford Bank's current FCF Margin % of 34.56% is 29% above median its 10-year median of 26.88. Over the past 10 years, this metric has ranged from a low of 12.32 to a high of 38.65. The Banks industry median FCF Margin % is 26.36. Harford Bank's value of 34.56% is 31.1% above this industry median. Based on the distribution chart, Harford Bank ranks #655 out of 1506 companies in the Banks industry, which is above the industry midpoint. Overall, Harford Bank has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harford Bank's FCF Margin % compare to MVLY and CBWA?
According to the Banks industry distribution chart, Harford Bank ranks #655 out of 1506 companies for FCF Margin %. This puts Harford Bank in the upper half of its industry. The industry median FCF Margin % is 26.36. Harford Bank's value of 34.56% is 31.1% above this benchmark. Historically, Harford Bank's own FCF Margin % has ranged from 12.32 to 38.65 over the past decade. While the company's 10-year median is 26.88 vs. the industry median of 26.36, Harford Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harford Bank's current FCF Margin % of 34.56% is 31.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harford Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harford Bank's current FCF Margin % is 34.56%, which is 29% above median its own 10-year median of 26.88. 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 $39.48, compared to a current price of $46.00 — trading 16.5% above its estimated fair value. The current FCF Margin % is 34.56%, which is 29% above median its 10-year median of 26.88 and 31.1% above the Banks industry median of 26.36. Harford Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Harford Bank (HFBK), the current FCF Margin % is 34.56% 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 $46.00 is trading 16.5% above its estimated GF Value™ of $39.48.
GuruFocus considers Harford Bank to be Modestly Overvalued.
Key valuation signals for HFBK:
FCF Margin %: 34.56% (29% above median its 10-year median of 26.88)
GF Value™: $39.48 vs. price of $46.00 (16.5% above fair value)
Industry Position: 31.1% above the Banks median (#655 of 1506)
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 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.
61GF Score
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