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


HFBK Harford Bank HFBK
61 GF Score
Price $46.00
GF Value $39.48
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Harford Bank ROC %?

Harford Bank HFBK +1.10% 61 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

HFBK
61GF Score
Harford Bank HFBK
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Harford Bank (HFBK) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Harford Bank and its competitors.
Is Harford Bank's ROC % too high?
Harford Bank's current ROC % is %. 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 % compare to MVLY and CBWA?
Harford Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.89. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.89, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Harford Bank and its competitors. For the Banks industry, the median ROC % is 1.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harford Bank's current ROC % 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 $39.48, compared to a current price of $46.00 — trading 16.5% above its estimated fair value. The current ROC % 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 % calculated?
ROC % is calculated from a company's financial statements. For Harford Bank (HFBK), the current ROC % 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 $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:

  • ROC %: %
  • GF Value™: $39.48 vs. price of $46.00 (16.5% 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 % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.00
Price
$39.48
GF Value