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Harford Bank (HFBK)
OTCMKTS · Delayed Price · Currency is USD
45.00
-1.00 (-2.17%)
Aug 5, 2026, 10:27 AM EST

Harford Bank Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
26.6225.7524.7423.7321.619.56
Revenue Growth
6.91%4.08%4.25%9.90%10.42%28.08%
Net Income
7.357.076.966.465.135.34
Earnings Per Share
4.864.684.664.343.493.69
EPS Growth
5.65%0.43%7.37%24.36%-5.42%65.47%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
3.444.013.836.45.526.65
Total Debt
1.251.221.3148.20.360.53
Net Cash (Debt)
2.192.792.52-41.85.166.12
Net Cash Growth
-32.58%10.64%---15.69%-31.27%
Net Cash Per Share
1.441.851.69-28.113.514.23

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
8.677.997.436.976.659.31
Capital Expenditures
-0.32-0.37-0.36-0.14-0.22-1.81
Free Cash Flow
8.367.627.076.826.437.49
Free Cash Flow Growth
48.61%7.78%3.56%6.09%-14.14%254.56%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
27.62%27.45%28.15%27.21%23.73%27.31%
FCF Margin
31.39%29.58%28.56%28.75%29.78%38.30%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.0000.9600.9200.8800.7700.740
Dividend Per Share Growth
4.26%4.35%4.54%14.29%4.05%-
Dividend Yield
2.17%2.31%2.85%2.85%2.57%2.85%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.478.947.187.559.417.91
P/FCF Ratio
8.328.307.087.147.505.64
PS Ratio
2.612.462.022.052.232.16