Harford Bank Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 23, 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
Market Capitalization	65	63	50	49	48	42
Market Cap Growth	30.58%	26.40%	2.60%	1.08%	14.14%	39.54%
Last Close Price	43.27	41.49	32.23	30.87	29.91	25.99
PE Ratio	8.91	8.94	7.18	7.55	9.41	7.91
PS Ratio	2.46	2.46	2.02	2.05	2.23	2.16
PB Ratio	0.90	0.89	0.77	0.83	0.89	0.85
P/FCF Ratio	7.82	8.30	7.08	7.14	7.50	5.64
P/OCF Ratio	7.54	7.92	6.73	7.00	7.25	4.54
Debt / Equity Ratio	0.02	0.02	0.02	0.82	0.01	0.01
Debt / FCF Ratio	0.15	0.16	0.19	7.06	0.06	0.07
Net Debt / Equity Ratio	-0.03	-0.04	-0.04	0.71	-0.09	-0.12
Net Debt / FCF Ratio	-0.26	-0.37	-0.36	6.13	-0.80	-0.82
Return on Equity (ROE)	10.58%	10.38%	11.23%	11.43%	9.90%	11.28%
Return on Assets (ROA)	1.01%	0.98%	1.01%	1.02%	0.88%	1.01%
Earnings Yield	11.24%	11.18%	13.92%	13.25%	10.63%	12.64%
FCF Yield	12.78%	12.05%	14.13%	14.00%	13.34%	17.73%
Dividend Yield	2.31%	2.31%	2.85%	2.85%	2.57%	2.85%
Payout Ratio	19.84%	20.37%	19.63%	20.10%	21.95%	27.53%
Buyback Yield / Dilution	-1.31%	-1.21%	-0.39%	-1.16%	-1.68%	-0.73%
Total Shareholder Return	1.00%	1.10%	2.46%	1.69%	0.89%	2.12%