Harford BankHFBK +1.10%65 OCF Yield % is 12.48 as of Jul. 05, 2026, which is 5% above its 10-year median of 11.93. GuruFocus rates HFBK with a GF Score™ of 65/100 and a GF Value™ of $39.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,502 Banks companies, Harford Bank ranks better than 63.25% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Harford Bank OCF Yield % Related Terms
Harford Bank OCF Yield % Historical Data
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The historical data trend for Harford Bank's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Harford Bank's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Harford Bank's OCF Yield % 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 OCF Yield % of 12.48 as of Jul. 05, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Harford Bank and its competitors. This is near median its historical median of 11.93. Over the past decade, Harford Bank's OCF Yield % has ranged from 2.17 to 21.91. According to the industry distribution chart, Harford Bank ranks #552 out of 1502 companies in the Banks industry, placing it in the top 36.8%.
Is Harford Bank's OCF Yield % too high?
Harford Bank's current OCF Yield % of 12.48 is near median its 10-year median of 11.93. Over the past 10 years, this metric has ranged from a low of 2.17 to a high of 21.91. The Banks industry median OCF Yield % is 9.24. Harford Bank's value of 12.48 is 35.1% above this industry median. Based on the distribution chart, Harford Bank ranks #552 out of 1502 companies in the Banks industry, which is above the industry midpoint. Overall, Harford Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harford Bank's OCF Yield % compare to MVLY and CBWA?
According to the Banks industry distribution chart, Harford Bank ranks #552 out of 1502 companies for OCF Yield %. This puts Harford Bank in the upper half of its industry. The industry median OCF Yield % is 9.24. Harford Bank's value of 12.48 is 35.1% above this benchmark. Historically, Harford Bank's own OCF Yield % has ranged from 2.17 to 21.91 over the past decade. While the company's 10-year median is 11.93 vs. the industry median of 9.24, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.24, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harford Bank's current OCF Yield % of 12.48 is 35.1% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Harford Bank and its competitors. For the Banks industry, the median OCF Yield % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harford Bank's current OCF Yield % is 12.48, which is near median its own 10-year median of 11.93. 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 OCF Yield % is 12.48, which is near median its 10-year median of 11.93 and 35.1% above the Banks industry median of 9.24. Harford Bank's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Harford Bank (HFBK), the current OCF Yield % is 12.48 as of Jul. 05, 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:
OCF Yield %: 12.48 (near median its 10-year median of 11.93)
GF Value™: $39.48 vs. price of $46.00 (16.5% above fair value)
Industry Position: 35.1% above the Banks median (#552 of 1502)
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.
65GF Score
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