Harford Bank (HFBK)

Harford Bank Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 14, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	50	50	49	48	42	30
Market Cap Growth	8.05%	2.60%	1.08%	14.14%	39.54%	-27.60%
Last Close Price	33.56	33.03	31.64	30.66	26.64	18.65
PE Ratio	6.95	7.18	7.55	9.41	7.91	9.47
PS Ratio	1.96	2.02	2.05	2.23	2.16	1.98
PB Ratio	0.74	0.77	0.83	0.89	0.85	0.67
P/FCF Ratio	6.58	7.10	7.14	7.50	5.64	14.33
P/OCF Ratio	6.28	6.75	7.00	7.25	4.54	10.90
Debt / Equity Ratio	0.02	0.02	0.82	0.01	0.01	0.01
Debt / FCF Ratio	0.16	0.19	7.06	0.06	0.07	0.25
Return on Equity (ROE)	11.22%	11.23%	11.43%	9.90%	11.28%	7.29%
Return on Assets (ROA)	1.02%	1.01%	1.02%	0.88%	1.01%	0.74%
Earnings Yield	14.39%	13.92%	13.25%	10.63%	12.64%	10.56%
FCF Yield	15.21%	14.09%	14.00%	13.34%	17.73%	6.98%
Dividend Yield	2.86%	2.79%	2.78%	2.51%	2.78%	-
Payout Ratio	19.36%	19.63%	20.10%	21.95%	27.53%	23.25%
Buyback Yield / Dilution	-0.97%	-0.39%	-1.16%	-1.68%	-0.73%	-0.18%
Total Shareholder Return	1.89%	2.39%	1.62%	0.83%	2.05%	-0.18%

Updated Mar 12, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.