HFBK (Harford Bank) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HFBK Harford Bank HFBK
61 GF Score
Price $45.75
GF Value $39.63
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Harford Bank ROC (Joel Greenblatt) %?

Harford Bank HFBK 61 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates HFBK with a GF Score™ of 61/100 and a GF Value™ of $39.63 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 46 Banks companies, Harford Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

HFBK
61GF Score
Harford Bank HFBK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Harford Bank (HFBK) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Harford Bank and its competitors. According to the industry distribution chart, Harford Bank ranks #999999 out of 46 companies in the Banks industry.
Is Harford Bank's ROC (Joel Greenblatt) % too high?
Harford Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Harford Bank ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to MVLY and CBWA?
According to the Banks industry distribution chart, Harford Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Harford Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Harford Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harford Bank's current ROC (Joel Greenblatt) % is %. 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 $39.63, compared to a current price of $45.75 — trading 15.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Harford Bank (HFBK), the current ROC (Joel Greenblatt) % is % 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 $45.75 is trading 15.4% above its estimated GF Value™ of $39.63. GuruFocus considers Harford Bank to be Modestly Overvalued.

Key valuation signals for HFBK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $39.63 vs. price of $45.75 (15.4% above fair value)
  • GF Score™: 61/100 with 4 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.
61GF Score

Get the complete analysis for HFBK

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.75
Price
$39.63
GF Value