Harford Bank Statistics
Total Valuation
Harford Bank has a market cap or net worth of 65.23 million.
| Market Cap | 65.23M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Thursday, March 12, 2026.
| Earnings Date | Mar 12, 2026 |
| Ex-Dividend Date | Dec 1, 2025 |
Share Statistics
Harford Bank has 1.51 million shares outstanding. The number of shares has increased by 1.17% in one year.
| Current Share Class | 1.51M |
| Shares Outstanding | 1.51M |
| Shares Change (YoY) | +1.17% |
| Shares Change (QoQ) | +0.37% |
| Owned by Insiders (%) | 7.56% |
| Owned by Institutions (%) | n/a |
| Float | 1.39M |
Valuation Ratios
The trailing PE ratio is 8.82.
| PE Ratio | 8.82 |
| Forward PE | n/a |
| PS Ratio | 2.52 |
| PB Ratio | 0.94 |
| P/TBV Ratio | 0.94 |
| P/FCF Ratio | 9.00 |
| P/OCF Ratio | 8.60 |
| PEG Ratio | n/a |
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 | 0.16 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.17%.
| Return on Equity (ROE) | 11.17% |
| Return on Assets (ROA) | 1.02% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.62% |
| Revenue Per Employee | 301,417 |
| Profits Per Employee | 86,066 |
| Employee Count | 86 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Harford Bank has paid 2.17 million in taxes.
| Income Tax | 2.17M |
| Effective Tax Rate | 22.64% |
Stock Price Statistics
The stock price has increased by +17.30% in the last 52 weeks. The beta is -0.10, so Harford Bank's price volatility has been lower than the market average.
| Beta (5Y) | -0.10 |
| 52-Week Price Change | +17.30% |
| 50-Day Moving Average | 37.78 |
| 200-Day Moving Average | 34.49 |
| Relative Strength Index (RSI) | 61.62 |
| Average Volume (20 Days) | 2,712 |
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) | 0.07 |
Income Statement
In the last 12 months, Harford Bank had revenue of 25.92 million and earned 7.40 million in profits. Earnings per share was 4.91.
| Revenue | 25.92M |
| Gross Profit | 25.92M |
| Operating Income | 10.10M |
| Pretax Income | 9.57M |
| Net Income | 7.40M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 4.91 |
Balance Sheet
The company has 6.47 million in cash and 1.13 million in debt, with a net cash position of 5.34 million or 3.54 per share.
| Cash & Cash Equivalents | 6.47M |
| Total Debt | 1.13M |
| Net Cash | 5.34M |
| Net Cash Per Share | 3.54 |
| Equity (Book Value) | 69.53M |
| Book Value Per Share | 46.19 |
| Working Capital | -553.01M |
Cash Flow
In the last 12 months, operating cash flow was 7.58 million and capital expenditures -339,380, giving a free cash flow of 7.24 million.
| Operating Cash Flow | 7.58M |
| Capital Expenditures | -339,380 |
| Free Cash Flow | 7.24M |
| FCF Per Share | 4.81 |
Margins
| Gross Margin | n/a |
| Operating Margin | 38.94% |
| Pretax Margin | 36.91% |
| Profit Margin | 28.55% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 27.95% |
Dividends & Yields
This stock pays an annual dividend of 0.96, which amounts to a dividend yield of 2.22%.
| Dividend Per Share | 0.96 |
| Dividend Yield | 2.22% |
| Dividend Growth (YoY) | 4.35% |
| Years of Dividend Growth | 3 |
| Payout Ratio | 19.22% |
| Buyback Yield | -1.17% |
| Shareholder Yield | 1.23% |
| Earnings Yield | 11.35% |
| FCF Yield | 11.11% |
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 | 4 |