Harford Bank Statistics
Total Valuation
Harford Bank has a market cap or net worth of 66.59 million.
| Market Cap | 66.59M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Wednesday, August 26, 2026.
| Earnings Date | Aug 26, 2026 |
| Ex-Dividend Date | Jun 1, 2026 |
Share Statistics
Harford Bank has 1.51 million shares outstanding. The number of shares has increased by 1.28% in one year.
| Current Share Class | 1.51M |
| Shares Outstanding | 1.51M |
| Shares Change (YoY) | +1.28% |
| Shares Change (QoQ) | +0.09% |
| Owned by Insiders (%) | 6.81% |
| Owned by Institutions (%) | n/a |
| Float | 1.41M |
Valuation Ratios
The trailing PE ratio is 8.48.
| PE Ratio | 8.48 |
| Forward PE | n/a |
| PS Ratio | 2.40 |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.89 |
| P/FCF Ratio | 7.32 |
| P/OCF Ratio | 7.08 |
| 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 | 0.20 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.07%.
| Return on Equity (ROE) | 11.07% |
| Return on Assets (ROA) | 1.05% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.14% |
| Revenue Per Employee | 288,675 |
| Profits Per Employee | 82,171 |
| Employee Count | 96 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Harford Bank has paid 2.50 million in taxes.
| Income Tax | 2.50M |
| Effective Tax Rate | 24.05% |
Stock Price Statistics
The stock price has increased by +30.47% in the last 52 weeks. The beta is -0.19, so Harford Bank's price volatility has been lower than the market average.
| Beta (5Y) | -0.19 |
| 52-Week Price Change | +30.47% |
| 50-Day Moving Average | 42.57 |
| 200-Day Moving Average | 37.85 |
| Relative Strength Index (RSI) | 56.48 |
| Average Volume (20 Days) | 1,441 |
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) | 0.06 |
Income Statement
In the last 12 months, Harford Bank had revenue of 27.71 million and earned 7.89 million in profits. Earnings per share was 5.19.
| Revenue | 27.71M |
| Gross Profit | 27.71M |
| Operating Income | 10.82M |
| Pretax Income | 10.39M |
| Net Income | 7.89M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 5.19 |
Balance Sheet
The company has 3.83 million in cash and 1.82 million in debt, with a net cash position of 2.00 million or 1.32 per share.
| Cash & Cash Equivalents | 3.83M |
| Total Debt | 1.82M |
| Net Cash | 2.00M |
| Net Cash Per Share | 1.32 |
| Equity (Book Value) | 74.61M |
| Book Value Per Share | 49.31 |
| Working Capital | -621.51M |
Cash Flow
In the last 12 months, operating cash flow was 9.41 million and capital expenditures -314,902, giving a free cash flow of 9.10 million.
| Operating Cash Flow | 9.41M |
| Capital Expenditures | -314,902 |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | 9.10M |
| FCF Per Share | 6.01 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.03% |
| Pretax Margin | 37.48% |
| Profit Margin | 28.46% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.82% |
Dividends & Yields
This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 2.21%.
| Dividend Per Share | 1.00 |
| Dividend Yield | 2.21% |
| Dividend Growth (YoY) | 4.26% |
| Years of Dividend Growth | 5 |
| Payout Ratio | 19.27% |
| Buyback Yield | -1.28% |
| Shareholder Yield | 1.00% |
| Earnings Yield | 11.85% |
| FCF Yield | 13.66% |
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 |