Harford Bank (HFBK)
OTCMKTS · Delayed Price · Currency is USD
45.00
-1.00 (-2.17%)
Aug 5, 2026, 10:27 AM EST
Harford Bank Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 7.35 | 7.07 | 6.96 | 6.46 | 5.13 | 5.34 |
Depreciation & Amortization | 0.41 | 0.4 | 0.46 | 0.54 | 0.54 | 0.5 |
Other Amortization | 0.2 | 0.22 | 0.02 | 0 | 0.81 | 2.51 |
Gain (Loss) on Sale of Assets | - | - | 0 | -1.15 | 0.02 | -0 |
Gain (Loss) on Sale of Investments | -0.01 | 0.03 | 0.31 | 0.45 | 0.73 | 0.7 |
Provision for Credit Losses | 1.22 | 1.09 | 0.09 | 0.84 | -0.46 | - |
Accrued Interest Receivable | -0.24 | -0.34 | 0.19 | -0.41 | -0.06 | 0.03 |
Change in Income Taxes | -0.04 | - | - | 0.92 | -0.14 | -0.57 |
Change in Other Net Operating Assets | 0.03 | -0.19 | -0.41 | -0.8 | 0.19 | 0.91 |
Other Operating Activities | -0.24 | -0.19 | -0.15 | -0.12 | -0.13 | -0.13 |
Operating Cash Flow | 8.67 | 7.99 | 7.43 | 6.97 | 6.65 | 9.31 |
Operating Cash Flow Growth | 44.48% | 7.49% | 6.66% | 4.67% | -28.49% | 235.11% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.32 | -0.37 | -0.36 | -0.14 | -0.22 | -1.81 |
Sale of Property, Plant and Equipment | - | - | - | 2.38 | - | 0 |
Investment in Securities | -9.13 | -8.74 | 7.8 | 13.43 | -14.64 | -59.9 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -70.21 | -43.65 | 8.33 | -79.24 | -59.69 | -1.7 |
Other Investing Activities | -0.01 | -0.03 | 2.25 | -2.53 | -1.6 | -2.54 |
Investing Cash Flow | -79.66 | -52.79 | 18.02 | -66.1 | -76.16 | -65.95 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | - | - | 65 | - | - |
Long-Term Debt Repaid | - | - | -48 | -17 | - | - |
Net Debt Issued (Repaid) | - | - | -48 | 48 | - | - |
Issuance of Common Stock | 0.44 | 0.47 | 0.63 | 0.42 | 0.55 | 0.6 |
Repurchase of Common Stock | - | - | -0.2 | -0.22 | -0.11 | -0.16 |
Common Dividends Paid | -1.46 | -1.44 | -1.37 | -1.3 | -1.12 | -1.47 |
Net Increase (Decrease) in Deposit Accounts | 5.22 | 8.99 | 89.05 | 15.79 | 16.2 | 84.51 |
Financing Cash Flow | 4.2 | 8.01 | 40.11 | 62.69 | 15.52 | 83.47 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -66.79 | -36.79 | 65.55 | 3.56 | -53.99 | 26.83 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 8.36 | 7.62 | 7.07 | 6.82 | 6.43 | 7.49 |
Free Cash Flow Growth | 48.61% | 7.78% | 3.56% | 6.09% | -14.14% | 254.56% |
Free Cash Flow Margin | 31.39% | 29.58% | 28.56% | 28.75% | 29.78% | 38.30% |
Free Cash Flow Per Share | 5.51 | 5.04 | 4.73 | 4.59 | 4.37 | 5.18 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 10.98 | 11.23 | 11.4 | 5.08 | 1.12 | 1.62 |
Cash Income Tax Paid | 2.26 | 2.26 | 3.07 | 1.71 | 1.76 | 2.38 |