Harford Bank's ROE % for the quarter that ended in Mar. 2026 was 10.06%. Harford Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.85.
Harford Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 11.84%.
Harford Bank ROE % Adjusted to Book Value Related Terms
Harford Bank ROE % Adjusted to Book Value Historical Data
* Premium members only.
The historical data trend for Harford Bank's ROE % Adjusted to Book Value 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.
HFBK vs MVLY, CBWA, ASRV: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Harford Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Harford Bank's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Harford Bank's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 11.84% mean?
Harford Bank (HFBK) has a ROE % Adjusted to Book Value of 11.84% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Harford Bank and its competitors.
Is Harford Bank's ROE % Adjusted to Book Value too high?
Harford Bank's current ROE % Adjusted to Book Value is 11.84%. 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 ROE % Adjusted to Book Value compare to MVLY and CBWA?
Harford Bank's ROE % Adjusted to Book Value of 11.84% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Harford Bank and its competitors. Harford Bank's current ROE % Adjusted to Book Value is 11.84%. 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 ROE % Adjusted to Book Value is 11.84%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Harford Bank (HFBK), the current ROE % Adjusted to Book Value is 11.84% 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:
ROE % Adjusted to Book Value: 11.84%
GF Value™: $39.48 vs. price of $46.00 (16.5% above fair value)
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
Get the complete analysis for HFBK
ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HFBK has been successfully added to your 
