Harford BankHFBK +1.10%65 PEG Ratio is 1.13 as of Jul. 05, 2026, which is 3% below its 10-year median of 1.17. 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 1,231 Banks companies, Harford Bank ranks better than 62.39% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, Harford Bank's PE Ratio without NRI is 9.47. Harford Bank's 5-Year Book Value growth rate is 8.40%. Therefore, Harford Bank's PEG Ratio for today is 1.13.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Harford Bank's PEG Ratio or its related term are showing as below:
HFBK'
s PEG Ratio Range Over the Past 10 Years
Min: 0.84 Med: 1.17 Max: 1.81
Current: 1.13
During the past 13 years, Harford Bank's highest PEG Ratio was 1.81. The lowest was 0.84. And the median was 1.17.
HFBK's PEG Ratio is ranked better than 62.39% of 1231
companies
in the Banks industry
Industry Median: 1.54
vs HFBK: 1.13
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Harford Bank (OTCPK:HFBK) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Harford Bank PEG Ratio Related Terms
Harford Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for Harford Bank's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Harford Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Harford Bank's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Harford Bank (HFBK) has a PEG Ratio of 1.13 as of Jul. 05, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Harford Bank and its competitors. This is near median its historical median of 1.17. Over the past decade, Harford Bank's PEG Ratio has ranged from 0.84 to 1.81. According to the industry distribution chart, Harford Bank ranks #463 out of 1231 companies in the Banks industry, placing it in the top 37.6%.
Is Harford Bank's PEG Ratio too high?
Harford Bank's current PEG Ratio of 1.13 is near median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 1.81. The Banks industry median PEG Ratio is 1.54. Harford Bank's value of 1.13 is 26.6% below this industry median. Based on the distribution chart, Harford Bank ranks #463 out of 1231 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 PEG Ratio compare to MVLY and CBWA?
According to the Banks industry distribution chart, Harford Bank ranks #463 out of 1231 companies for PEG Ratio. This puts Harford Bank in the upper half of its industry. The industry median PEG Ratio is 1.54. Harford Bank's value of 1.13 is 26.6% below this benchmark. Historically, Harford Bank's own PEG Ratio has ranged from 0.84 to 1.81 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 1.54, Harford Bank has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harford Bank's current PEG Ratio of 1.13 is 26.6% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Harford Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harford Bank's current PEG Ratio is 1.13, which is near median its own 10-year median of 1.17. 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 PEG Ratio is 1.13, which is near median its 10-year median of 1.17 and 26.6% below the Banks industry median of 1.54. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Harford Bank (HFBK), the current PEG Ratio is 1.13 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:
PEG Ratio: 1.13 (near median its 10-year median of 1.17)
GF Value™: $39.48 vs. price of $46.00 (16.5% above fair value)
Industry Position: 26.6% below the Banks median (#463 of 1231)
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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