What is Harford Bank (HFBK) stock price today?

Harford Bank (HFBK) is currently trading at $45.75, up 0% today.

What is HFBK P/E ratio?

Harford Bank's P/E ratio is 9.36. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is HFBK return on equity (ROE)?

Harford Bank's return on equity (ROE) is 10.45%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Harford Bank's market cap?

Harford Bank has a market capitalization of $56.54M.

OTC · Banks - Regional

Harford Bank (HFBK) Stock

$45.75 +0.00% OTC: HFBK Financial Services

Valuation

Metric	Value
Price	$45.75
Market Cap	$56.54M
P/E Ratio	9.36
P/B Ratio	0.95
P/S Ratio	1.45
EPS (TTM)	$4.89
52-Week High	$47.00
52-Week Low	$33.35
Dividend Yield	2.14%

Financials & Margins

Metric	Value
ROE	10.45%
ROA	1.00%
ROCE	1.31%
Gross Margin	68.41%
Operating Margin	24.61%
Net Margin	18.90%
Debt/Equity	0.02
Current Ratio	226.83

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$21.0M	$22.0M	$29.0M	$36.0M	$38.0M
Operating Profit	$7.0M	$7.0M	$9.0M	$9.0M	$9.0M
Net Profit	$5.0M	$5.0M	$6.0M	$7.0M	$7.0M
EPS	$3.69	$3.49	$4.34	$4.65	$4.68
Op Margin	34.4%	30.9%	29.8%	25.1%	24.0%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$575.0M	$595.0M	$666.0M	$713.0M	$729.0M
Total Liabilities	$526.0M	$541.0M	$607.0M	$648.0M	$658.0M
Cash	$85.0M	$31.0M	$34.0M	$98.0M	$61.0M
Borrowings	$0	$0	$48.0M	$0	$1.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$9.0M	$7.0M	$7.0M	$7.0M	$8.0M
Investing Cash Flow	$-68.0M	$-76.0M	$-66.0M	$18.0M	$-53.0M
Financing Cash Flow	$85.0M	$17.0M	$16.0M	$89.0M	$9.0M
Net Cash Flow	$27.0M	$-54.0M	$4.0M	$66.0M	$-37.0M
Free Cash Flow	$7.0M	$6.0M	$7.0M	$7.0M	$8.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	1.60
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	—
Return 3Y	—
Return 5Y	—

Ownership

Insiders Held0.10%

Institutions Held0.00%

Institutions Float Held0.00%

Institutional Holder	Shares	Report Date
Captrust Financial Advisors	1,697	2022-06-30

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
BAOBThe Baraboo Bancorporation, Inc.	$6.63	+0.00%	11.05	$58.49M	1.81%
CBAFCITBA Financial Corporation	$38.65	+0.35%	9.22	$58.82M	2.69%
CEFCCommercial National Financial Corporation	$15.75	+1.35%	12.32	$62.00M	5.49%
FFWCFFW Corporation	$52.30	+0.58%	9.02	$56.64M	2.37%
HLFNHome Loan Financial Corporation	$44.50	+3.49%	7.14	$62.72M	4.72%

About Harford Bank

Harford Bank delivers a full spectrum of commercial and retail banking services designed for individuals, businesses, and governmental organizations. Its deposit options include checking, savings, and money market accounts, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). The bank provides diverse commercial loan products, encompassing secured and unsecured financing for working capital, business expansion, and equipment purchases, as well as real estate-backed commercial mortgages, construction loans, and property acquisition loans. For consumers, it offers secured and unsecured loans for automobiles, boats, mobile homes, educational expenses, debt consolidation, and home improvements. Beyond these core offerings, Harford Bank provides numerous supplementary services such as mobile banking, ATMs, online banking with bill payment, cash management, commercial remote deposit capture, safe deposit boxes, direct deposit for payroll and social security, ACH origination, and various debit, gift, and credit cards. The bank operates ten branch locations: eight in Harford County, Maryland, and two in Cecil County, Maryland. Founded in 1964 and based in Aberdeen, Maryland, the institution was originally known as Harford National Bank before adopting its current name in July 2001.

Harford Bank is headquartered in US.

Harford Bank (HFBK) stock trades at $45.75 with a market capitalization of $56.54M. The stock is valued at a price-to-earnings (P/E) ratio of 9.36, price-to-book of 0.95, price-to-sales of 1.45. Over the past 52 weeks the stock has ranged between $33.35 and $47.00, and currently trades 2.7% below its 52-week high. It pays a dividend yielding 2.14%.

On profitability, Harford Bank generates a return on equity (ROE) of 10.45%, return on capital employed of 1.31%, an operating margin of 24.61%, a net profit margin of 18.90%.

Official website: www.harfordbank.com