Harford Bank Statistics
Total Valuation
Harford Bank has a market cap or net worth of 50.44 million.
| Market Cap | 50.44M |
| Enterprise Value | n/a |
Important Dates
The last earnings date was 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 0.97% in one year.
| Current Share Class | 1.50M |
| Shares Outstanding | 1.50M |
| Shares Change (YoY) | +0.97% |
| Shares Change (QoQ) | +0.34% |
| Owned by Insiders (%) | 8.97% |
| Owned by Institutions (%) | n/a |
| Float | 1.37M |
Valuation Ratios
The trailing PE ratio is 6.95.
| PE Ratio | 6.95 |
| Forward PE | n/a |
| PS Ratio | 1.96 |
| PB Ratio | 0.74 |
| P/TBV Ratio | 0.74 |
| P/FCF Ratio | 6.58 |
| P/OCF Ratio | 6.28 |
| 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 11.22%.
| Return on Equity (ROE) | 11.22% |
| Return on Assets (ROA) | 1.02% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | 298,641 |
| Profits Per Employee | 84,374 |
| Employee Count | 86 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Harford Bank has paid 2.12 million in taxes.
| Income Tax | 2.12M |
| Effective Tax Rate | 22.62% |
Stock Price Statistics
The stock price has increased by +10.32% in the last 52 weeks. The beta is -0.08, so Harford Bank's price volatility has been lower than the market average.
| Beta (5Y) | -0.08 |
| 52-Week Price Change | +10.32% |
| 50-Day Moving Average | 34.11 |
| 200-Day Moving Average | 34.16 |
| Relative Strength Index (RSI) | 41.87 |
| Average Volume (20 Days) | 424 |
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) | 0.18 |
Income Statement
In the last 12 months, Harford Bank had revenue of 25.68 million and earned 7.26 million in profits. Earnings per share was 4.83.
| Revenue | 25.68M |
| Gross Profit | 25.68M |
| Operating Income | 9.98M |
| Pretax Income | 9.38M |
| Net Income | 7.26M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 4.83 |
Balance Sheet
The company has 5.23 million in cash and 1.19 million in debt, giving a net cash position of 4.04 million or 2.69 per share.
| Cash & Cash Equivalents | 5.23M |
| Total Debt | 1.19M |
| Net Cash | 4.04M |
| Net Cash Per Share | 2.69 |
| Equity (Book Value) | 67.92M |
| Book Value Per Share | 45.20 |
| Working Capital | -538.84M |
Cash Flow
In the last 12 months, operating cash flow was 8.03 million and capital expenditures -363,769, giving a free cash flow of 7.67 million.
| Operating Cash Flow | 8.03M |
| Capital Expenditures | -363,769 |
| Free Cash Flow | 7.67M |
| FCF Per Share | 5.10 |
Margins
| Gross Margin | n/a |
| Operating Margin | 38.84% |
| Pretax Margin | 36.51% |
| Profit Margin | 28.25% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 29.86% |
Dividends & Yields
This stock pays an annual dividend of 0.96, which amounts to a dividend yield of 2.86%.
| Dividend Per Share | 0.96 |
| Dividend Yield | 2.86% |
| Dividend Growth (YoY) | 4.44% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 19.36% |
| Buyback Yield | -0.97% |
| Shareholder Yield | 1.89% |
| Earnings Yield | 14.39% |
| FCF Yield | 15.21% |
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 |