Harford Bank (HFBK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 17 | 19 | 21 | 23 | 25 | 27 | 29 | - |
| Operating profit | $m | 9 | 10 | ||||||
| Net profit | $m | 3 | 5 | 5 | 6 | 7 | 7 | 8 | - |
| EPS reported | $ | 4.68 | 5.19 | ||||||
| Operating cashflow per share | $ | 5.52 | 5.97 | ||||||
| Capex per share | $ | 0.25 | 0.21 | ||||||
| FCF per share | $ | 5.28 | 5.76 | ||||||
| Free cash flow | $m | 8 | 9 | ||||||
| Net debt | $m | -60 | -68 | ||||||
| Book value equity | $m | 71 | 75 | ||||||
| Book value per share | $ | 47.11 | 48.87 | ||||||
| Number of shares | m | 1.51 | 1.53 | ||||||
| DPS (TTM paid) | $ | 0.96 | 1.01 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.97 | 9.22 | ||||||
| P/B LTM | x | 0.89 | 0.84 | ||||||
| P/S LTM | x | 2.35 | 2.16 | ||||||
| P/FCF LTM | x | 7.96 | 6.71 | ||||||
| EV/EBITDA LTM | x | 0.37 | 0.33 | ||||||
| EV/Sales LTM | x | 0.09 | 0.13 | ||||||
| Earnings Yield LTM | % | +11.15% | +10.85% | ||||||
| FCF Yield | % | +12.56% | +14.91% | ||||||
| Quality | |||||||||
| ROE | % | +9.93% | +10.45% | ||||||
| ROIC | % | +0.97% | +1.00% | ||||||
| Operating margin | % | +23.98% | +24.61% | ||||||
| Gross margin | % | +67.63% | +68.41% | ||||||
| FCF/Sales | % | +20.79% | +22.33% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +0.65% | +11.61% | ||||||
| Sales Growth YoY | % | +8.23% | +17.43% | ||||||
| Net Income Growth YoY | % | +1.52% | +13.28% | ||||||
| FCF Growth | % | +12.37% | +33.37% | ||||||
| Operating Profit Growth | % | +0.46% | +14.26% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.29% | +2.14% | ||||||
| Dividend Growth | % | +4.35% | +9.78% | ||||||
| Payout Ratio | % | +20.36% | +19.79% | ||||||
| FCF/Debt | x | 6.51 | 5.16 | ||||||
| Net Debt/EBITDA | x | -6.24 | -5.16 | ||||||
| EBIT/Net interest | x | 0.81 | 0.86 | ||||||
| Net debt/market cap | % | +0.45% | +0.43% | ||||||
| Net debt/Equity | x | -0.85 | -0.91 | ||||||
| Gross debt/equity | x | 0.02 | 0.02 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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