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Harford Bank(OTC) HFBK

Market Cap$67.80MMarket 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)+839%
5 Year+66%
1 Year+16%
1 Month-1%
$44.80
+0.00%
+0.00Today
Harford Bank last closing stock price
MetricPriceDate
Last closeUSD 44.802026-09-28
Harford Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 44.802026-09-17
1 month-0.51%USD 45.032026-08-28
3 month-0.94%USD 45.232026-06-30
Year to date+8.63%USD 41.242025-12-31
1 year+16.1%USD 38.592025-09-26
3 year+47.43%USD 30.392023-09-28
5 year+66.33%USD 26.932021-09-28
Since inception+839.23%USD 4.771995-07-31

Harford Bank Financials at a Glance

Market Cap

$67.80MMarket 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

8.64

Dividend

$1.01

Beta (Volatility)

0.03 (Low)

Price

$44.80

Volume

2

Open

$44.44

Previous Close

$44.80

Daily Range

$44.44 - $44.80

52-Week Range

$36.69 - $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
  • Recent revenue growth of 7.5% year-over-year in Q2 2026
  • Net income increased by 24.5% compared to Q1 2026
  • Strong demand for commercial loans supports future expansion
Financial Highlights
  • Trailing twelve-month revenue of $39.5 million
  • Net income margin of 21.4% in Q2 2026
  • Dividend yield of 2.25% reflects commitment to shareholder returns
Harford Bank has demonstrated solid financial performance, with a notable increase in revenue and net income in recent quarters. The bank's focus on diverse banking products and services positions it well for continued growth. The increase in net income margin indicates effective cost management and operational efficiency. Additionally, the bank's commitment to returning value to shareholders through dividends enhances its attractiveness to potential investors. With a strong foundation and a positive growth trajectory, Harford Bank represents a compelling opportunity in the regional banking sector.
AI Generated • Sep 22, 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

11.57%

Dividend Yield

2.25%

Payout Ratio

18.72%

Stock Overview

Market Cap

$67.80MMarket 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

2

Avg. Volume

566.438

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

$67.80MMarket 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

$706.25K

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 $44.80 per share.

What is the 52-week range for Harford Bank?

Over the past 52 weeks, Harford Bank has traded between $36.69 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 2.25%.

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