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Harford Bank(OTC) HFBK

Market Cap$68.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+848%
5 Year+86%
1 Year+39%
1 Month-1%
$45.50
-1.09%
-0.50Today
Harford Bank last closing stock price
MetricPriceDate
Last closeUSD 45.502026-08-14
Harford Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.66%USD 45.202026-08-07
1 month-0.55%USD 45.752026-07-14
3 month+14.78%USD 39.642026-05-14
Year to date+9.66%USD 41.492025-12-31
1 year+38.97%USD 32.742025-08-14
3 year+49.38%USD 30.462023-08-11
5 year+86.41%USD 24.412021-08-13
Since inception+848.18%USD 4.801995-07-31

Harford Bank Financials at a Glance

Market Cap

$68.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$39.92M

Net Income (TTM)

$7.89M

EPS (TTM)

$5.18

P/E Ratio

8.78

Dividend

$0.98

Beta (Volatility)

0.03 (Low)

Price

$45.50

Volume

500

Open

$45.50

Previous Close

$45.50

Daily Range

$45.35 - $45.50

52-Week Range

$33.56 - $47.12

Estimated Earnings Date

Mar 31, 2023

HFBK News

No articles available.

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About Harford Bank

Harford Bank is a regional financial institution based in Aberdeen, Maryland, offering a comprehensive range of commercial and retail banking services. Established in 1964, the bank serves individuals, businesses, and governmental organizations with a focus on customer satisfaction and community engagement.

Products and Services
  • Checking, savings, and money market accounts
  • Diverse commercial loan products, including real estate-backed mortgages
  • Mobile banking, online banking, and cash management services
Growth Outlook
  • Consistent revenue growth with Q1 2026 revenue of $9.84 million
  • Strong net income of $1.81 million in the latest quarter
  • Robust return on equity at 10.45% over the trailing twelve months
Financial Highlights
  • Trailing twelve months revenue of $39.3 million, reflecting steady performance
  • Quarterly net income increased by 8.5% compared to the previous quarter
  • Dividend yield of 2.14%, indicating a commitment to shareholder returns
Harford Bank has demonstrated resilience and growth potential in the regional banking sector. The bank's diverse product offerings cater to a wide range of customer needs, from personal banking to commercial financing. Recent financial performance highlights a solid revenue stream and profitability, with a notable increase in net income in the latest quarter. The bank's commitment to returning value to shareholders is evident through its consistent dividend payments. With a strong foundation and a focus on community engagement, Harford Bank is well-positioned for future growth in the competitive banking landscape.
AI Generated • Jul 23, 2026

Industry

Banks

Sector

Financials

Employees

96

CEO

Charles H. Jacobs, Jr.

Website

www.harfordbank.com

Headquarters

Aberdeen, MD 21001, US

HFBK Financials

Key Financial Metrics (TTM)

Gross Margin

69.43%

Operating Margin

26.02%

Net Income Margin

19.76%

Return on Equity

10.95%

Return on Capital

12.61%

Return on Assets

1.02%

Earnings Yield

11.39%

Dividend Yield

2.15%

Payout Ratio

18.72%

Stock Overview

Market Cap

$68.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.51M

Volume

500

Avg. Volume

524.603

Financials (TTM)

Gross Profit

$27.71M

Operating Income

$10.39M

EBITDA

$10.71M

Operating Cash Flow

$9.71M

Capital Expenditure

-$314.89K

Free Cash Flow

$9.40M

Cash & ST Invst.

$69.90M

Total Debt

$1.82M

Harford Bank Performance Analysis

Harford Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 22,239,2565.4%
20232023-12-31USD 29,133,48631.0%
20242024-12-31USD 36,264,82124.5%
20252025-12-31USD 38,075,6385.0%
Harford Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.6%
Q42025-12-313.9%
Q12026-03-31-1.1%
Q22026-06-307.0%
Harford Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.49-5.6%
20232023-12-31USD 4.3424.6%
20242024-12-31USD 4.667.4%
20252025-12-31USD 4.680.3%
Harford Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-308.8%
Q42025-12-314.0%
Q12026-03-31-7.8%
Q22026-06-3023.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$10.53M

+10.6%

Gross Profit

$7.46M

+17.2%

Gross Margin

70.81%

N/A

Market Cap

$68.86MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$717.29K

N/A

Employees

96

N/A

Net Income

$2.25M

+31.2%

EBITDA

$3.00M

+31.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$69.90M

-44.9%

Total Debt

$1.82M

+53.0%

Accounts Receivable

$2.01M

+20.7%

Inventory

$0.00

N/A

Long Term Debt

$1.64M

N/A

Short Term Debt

$177.76K

+43.1%

Return on Assets

1.02%

N/A

Return on Invested Capital

1.34%

N/A

Free Cash Flow

$2.52M

+39.0%

Operating Cash Flow

$2.58M

+37.5%

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Questions About HFBK

What is the current price of Harford Bank?

Harford Bank is trading at $45.50 per share.

What is the 52-week range for Harford Bank?

Over the past 52 weeks, Harford Bank has traded between $33.56 and $47.12.

How much debt does Harford Bank have?

As of the most recent reporting period, Harford Bank reported total debt of $1.82M.

How much cash does Harford Bank have on hand?

Harford Bank does not have cash on hand data available.

What is Harford Bank’s dividend yield?

Harford Bank currently has a dividend yield of 2.15%.

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