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HFBK

Harford Bank

USD

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Price alert · HFBK

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44.79 USD 0.00 0.00%
As of Oct 30, 2026
44.79 Day range 44.79
37.00 52-week range 47.00
YTD
+6.64%
1 year
+16.34%
Open
44.79
Prev close
44.79
Mkt cap
67.79M
Vol
100
Avg vol
550
EPS
4.86
P/E
9.22
More statistics
Low
44.79
High
44.79

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Financial health

Altman Z-Score

0.34 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 8.9×
FY 2016: 17.5×FY 2017: 17.9×FY 2018: 12.3×FY 2019: 12.7×FY 2020: 9.5×FY 2021: 7.9×FY 2022: 9.4×FY 2023: 7.5×FY 2024: 7.2×FY 2025: 8.9×
FY 2016 5y median 7.9× FY 2025
P/S 1.7×
FY 2016: 2.3×FY 2017: 2.3×FY 2018: 2.4×FY 2019: 2.4×FY 2020: 1.6×FY 2021: 2.0×FY 2022: 2.2×FY 2023: 1.7×FY 2024: 1.4×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 0.9×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
P/FCF 8.0×
FY 2016: 10.6×FY 2017: 11.9×FY 2018: 13.2×FY 2019: 10.7×FY 2020: 14.4×FY 2021: 5.6×FY 2022: 7.5×FY 2023: 6.8×FY 2024: 7.1×FY 2025: 8.0×
FY 2016 5y median 7.1× FY 2025
EV/EBITDA 0.4×
FY 2016: 16.1×FY 2017: 10.0×FY 2018: 7.8×FY 2019: 5.9×FY 2020: -5.7×FY 2021: -5.6×FY 2022: 2.3×FY 2023: 6.8×FY 2024: -5.0×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
EV/Sales 0.1×
FY 2016: 3.8×FY 2017: 2.6×FY 2018: 2.2×FY 2019: 1.6×FY 2020: -1.4×FY 2021: -2.1×FY 2022: 0.8×FY 2023: 2.2×FY 2024: -1.3×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
FCF Yield 12.6%
FY 2016: 9.4%FY 2017: 8.4%FY 2018: 7.6%FY 2019: 9.3%FY 2020: 7.0%FY 2021: 17.8%FY 2022: 13.4%FY 2023: 14.7%FY 2024: 14.2%FY 2025: 12.6%
FY 2016 5y median 14.2% FY 2025

Profitability

Gross Margin 67.6%
FY 2016: 84.9%FY 2017: 85.9%FY 2018: 88.0%FY 2019: 86.2%FY 2020: 78.2%FY 2021: 92.6%FY 2022: 97.1%FY 2023: 77.4%FY 2024: 68.2%FY 2025: 67.6%
FY 2016 5y median 77.4% FY 2025
Operating Margin 24.0%
FY 2016: 20.6%FY 2017: 23.5%FY 2018: 26.3%FY 2019: 25.4%FY 2020: 21.6%FY 2021: 34.4%FY 2022: 30.9%FY 2023: 29.8%FY 2024: 25.1%FY 2025: 24.0%
FY 2016 5y median 29.8% FY 2025
Net Margin 18.6%
FY 2016: 12.9%FY 2017: 12.7%FY 2018: 19.6%FY 2019: 19.0%FY 2020: 16.4%FY 2021: 25.5%FY 2022: 23.4%FY 2023: 22.3%FY 2024: 19.2%FY 2025: 18.6%
FY 2016 5y median 22.3% FY 2025
ROE 9.9%
FY 2016: 5.2%FY 2017: 5.3%FY 2018: 8.1%FY 2019: 7.7%FY 2020: 7.1%FY 2021: 10.8%FY 2022: 9.5%FY 2023: 11.0%FY 2024: 10.7%FY 2025: 9.9%
FY 2016 5y median 10.7% FY 2025
ROIC 1.0%
FY 2016: 2.6%FY 2017: 2.7%FY 2018: 4.7%FY 2019: 5.1%FY 2020: 6.7%FY 2021: 10.1%FY 2022: 9.0%FY 2023: 5.8%FY 2024: 10.0%FY 2025: 1.0%
FY 2016 5y median 9.0% FY 2025
ROA 1.0%
FY 2016: 0.6%FY 2017: 0.5%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 0.7%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 1.0%FY 2024: 1.0%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 5.1%
FY 2016: 6.5%FY 2017: 6.1%FY 2018: 7.0%FY 2019: 6.4%FY 2020: 12.7%FY 2021: 7.2%FY 2022: 4.5%FY 2023: 32.5%FY 2024: 25.0%FY 2025: 5.1%
FY 2016 FY 2025
Operating Income 0.5%
FY 2016: -8.2%FY 2017: 21.1%FY 2018: 19.8%FY 2019: 2.6%FY 2020: -4.0%FY 2021: 70.6%FY 2022: -6.1%FY 2023: 27.9%FY 2024: 5.1%FY 2025: 0.5%
FY 2016 FY 2025
EPS (diluted) 0.6%
FY 2016: -11.3%FY 2017: 3.8%FY 2018: 62.3%FY 2019: 2.7%FY 2020: -3.0%FY 2021: 65.5%FY 2022: -5.4%FY 2023: 24.4%FY 2024: 7.1%FY 2025: 0.6%
FY 2016 FY 2025
Free Cash Flow 12.4%
FY 2016: 37.7%FY 2017: -4.1%FY 2018: 1.9%FY 2019: 30.3%FY 2020: -45.6%FY 2021: 254.6%FY 2022: -14.1%FY 2023: 11.2%FY 2024: -1.5%FY 2025: 12.4%
FY 2016 FY 2025

Financial Health

Current Ratio 223×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 223×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 223×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 223×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 0.4×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.8×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -6.2×
FY 2016: 6.4×FY 2017: 1.2×FY 2018: -0.7×FY 2019: -2.7×FY 2020: -12.1×FY 2021: -11.1×FY 2022: -4.2×FY 2023: 1.5×FY 2024: -10.2×FY 2025: -6.2×
FY 2016 5y median -6.2× FY 2025
Interest Coverage 0.8×
FY 2016: 1.8×FY 2017: 2.1×FY 2018: 2.5×FY 2019: 2.0×FY 2020: 1.8×FY 2021: 4.6×FY 2022: 6.3×FY 2023: 1.5×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 1.5× FY 2025

Dividends

Dividend Yield 2.3%
FY 2016: 2.6%FY 2017: 2.5%FY 2018: 2.3%FY 2019: 2.3%FY 2020: 2.4%FY 2021: 3.5%FY 2022: 2.3%FY 2023: 2.7%FY 2024: 2.7%FY 2025: 2.3%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 20.4%
FY 2016: 44.6%FY 2017: 44.4%FY 2018: 28.6%FY 2019: 29.3%FY 2020: 23.3%FY 2021: 27.5%FY 2022: 21.9%FY 2023: 20.1%FY 2024: 19.6%FY 2025: 20.4%
FY 2016 5y median 20.4% FY 2025

Annual · latest fiscal year ends 2025-12-31