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Harford Bank

(OTC) HFBK

Current Price$40.95
Market Cap$50.61M
Since IPO (1995)+748%
5 Year+106%
1 Year+21%
1 Month-3%

Harford Bank Financials at a Glance

Market Cap

$50.61M

Revenue (TTM)

$38.08M

Net Income (TTM)

$7.07M

EPS (TTM)

$4.68

P/E Ratio

8.76

Dividend

$0.97

Beta (Volatility)

0.01 (Low)

Price

$40.95

Volume

350

Open

$39.51

Previous Close

$40.95

Daily Range

$39.50 - $40.95

52-Week Range

$32.75 - $43.27

HFBK News

No articles available.

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About Harford Bank

Industry

Banks

Employees

96

CEO

Charles H. Jacobs, Jr.

Headquarters

Aberdeen, MD 21001, US

HFBK Financials

Key Financial Metrics (TTM)

Gross Margin

68%

Operating Margin

24%

Net Income Margin

19%

Return on Equity

10%

Return on Capital

1%

Return on Assets

1%

Earnings Yield

11.42%

Dividend Yield

0.02%

Payout Ratio

20.37%

Stock Overview

Market Cap

$50.61M

Shares Outstanding

1.24M

Volume

350

Short Interest

0.00%

Avg. Volume

816.807

Financials (TTM)

Gross Profit

$25.75M

Operating Income

$9.13M

EBITDA

$9.13M

Operating Cash Flow

$8.29M

Capital Expenditure

$370.04K

Free Cash Flow

$7.92M

Cash & ST Invst.

$60.77M

Total Debt

$1.22M

Harford Bank Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$9.95M

+5.2%

Gross Profit

$6.72M

-2.0%

Gross Margin

67.55%

N/A

Market Cap

$50.61M

N/A

Market Cap/Employee

$588.48K

N/A

Employees

86

N/A

Net Income

$1.95M

-14.5%

EBITDA

$2.55M

-17.5%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$59.50M

-47.6%

Accounts Receivable

$1.98M

+17.8%

Inventory

$0.00

N/A

Long Term Debt

$935.64K

N/A

Short Term Debt

$281.05K

N/A

Return on Assets

0.97%

N/A

Return on Invested Capital

1.25%

N/A

Free Cash Flow

$3.02M

+28.6%

Operating Cash Flow

$3.10M

+29.3%

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Questions About HFBK

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