Harford Bank Statistics

Total Valuation

Harford Bank has a market cap or net worth of 51.00 million.

Market Cap	51.00M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, August 7, 2025.

Earnings Date	Aug 7, 2025
Ex-Dividend Date	Jun 6, 2025

Share Statistics

Harford Bank has 1.50 million shares outstanding. The number of shares has increased by 0.63% in one year.

Current Share Class	1.50M
Shares Outstanding	1.50M
Shares Change (YoY)	+0.63%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	9.03%
Owned by Institutions (%)	n/a
Float	1.36M

Valuation Ratios

The trailing PE ratio is 7.39.

PE Ratio	7.39
Forward PE	n/a
PS Ratio	2.05
PB Ratio	0.77
P/TBV Ratio	0.77
P/FCF Ratio	9.16
P/OCF Ratio	8.57
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.22
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.88%.

Return on Equity (ROE)	10.88%
Return on Assets (ROA)	0.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	289,496
Profits Per Employee	80,123
Employee Count	86
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Harford Bank has paid 2.04 million in taxes.

Income Tax	2.04M
Effective Tax Rate	22.82%

Stock Price Statistics

The stock price has increased by +5.31% in the last 52 weeks. The beta is -0.07, so Harford Bank's price volatility has been lower than the market average.

Beta (5Y)	-0.07
52-Week Price Change	+5.31%
50-Day Moving Average	34.07
200-Day Moving Average	34.12
Relative Strength Index (RSI)	39.16
Average Volume (20 Days)	218

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	0.19

Income Statement

In the last 12 months, Harford Bank had revenue of 24.90 million and earned 6.89 million in profits. Earnings per share was 4.60.

Revenue	24.90M
Gross Profit	24.90M
Operating Income	9.51M
Pretax Income	8.93M
Net Income	6.89M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	4.60

Full Income Statement

Balance Sheet

The company has 4.50 million in cash and 1.25 million in debt, giving a net cash position of 3.25 million or 2.17 per share.

Cash & Cash Equivalents	4.50M
Total Debt	1.25M
Net Cash	3.25M
Net Cash Per Share	2.17
Equity (Book Value)	66.32M
Book Value Per Share	44.29
Working Capital	-528.43M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 5.95 million and capital expenditures -380,382, giving a free cash flow of 5.57 million.

Operating Cash Flow	5.95M
Capital Expenditures	-380,382
Free Cash Flow	5.57M
FCF Per Share	3.71

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	38.20%
Pretax Margin	35.86%
Profit Margin	27.68%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	22.37%

Dividends & Yields

This stock pays an annual dividend of 0.96, which amounts to a dividend yield of 2.82%.

Dividend Per Share	0.96
Dividend Yield	2.82%
Dividend Growth (YoY)	4.44%
Years of Dividend Growth	2
Payout Ratio	20.11%
Buyback Yield	-0.63%
Shareholder Yield	2.22%
Earnings Yield	13.51%
FCF Yield	10.92%

Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 30, 2017. It was a forward split with a ratio of 1.03.

Last Split Date	Nov 30, 2017
Split Type	Forward
Split Ratio	1.03

Scores

Altman Z-Score	n/a
Piotroski F-Score	3