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	Feb 12, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	65	50	49	48	42	30
Market Cap Growth	32.68%	2.60%	1.08%	14.14%	39.54%	-27.60%
Last Close Price	42.84	32.62	31.25	30.28	26.31	18.42
PE Ratio	8.73	7.18	7.55	9.41	7.91	9.47
PS Ratio	2.49	2.02	2.05	2.23	2.16	1.98
PB Ratio	0.93	0.77	0.83	0.89	0.85	0.67
P/FCF Ratio	8.91	7.10	7.14	7.50	5.64	14.33
P/OCF Ratio	8.52	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
Net Debt / Equity Ratio	-0.08	-0.04	0.71	-0.09	-0.12	-0.20
Net Debt / FCF Ratio	-0.74	-0.36	6.13	-0.80	-0.82	-4.21
Return on Equity (ROE)	11.17%	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	11.46%	13.92%	13.25%	10.63%	12.64%	10.56%
FCF Yield	11.22%	14.09%	14.00%	13.34%	17.73%	6.98%
Dividend Yield	2.24%	2.82%	2.82%	2.54%	2.81%	-
Payout Ratio	19.22%	19.63%	20.10%	21.95%	27.53%	23.25%
Buyback Yield / Dilution	-1.17%	-0.39%	-1.16%	-1.68%	-0.73%	-0.18%
Total Shareholder Return	1.07%	2.43%	1.66%	0.86%	2.09%	-0.18%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.