Financial Services
Harford Bank(HFBK)
Live Price
Offline$43.27
+5.54% today
1Y Change
+24.70%
Window
Jun 26, 2025 โ Jun 24, 2026
- Market Cap
- $50.00M
- Revenue Growth
- +5.1%
- EPS Growth
- +0.6%
- Dividend Yield
- 2.4%
Coverage: 250 bars ยท Jun 26, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Harford Bank (HFBK) is a Financial Services stock with a market cap of $50.00M and listed on OTC. The stock last traded around $43.27 and up 24.7% across the available one-year price window (Jun 26, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of +5.1%, EPS growth of +0.6%, a dividend yield of 2.4%. What stands out right now is revenue +5.1%, EPS +0.6%, free cash flow +12.4% with operating margin 24.0% and ROIC 1.0%. The dividend is present but secondary, with a yield around 2.4%. Valuation is more restrained than many high-expectation growth names at P/E 8.5 and price/sales 1.3. Stock Foundry combines HFBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+5.1% vs +3.4% peer median
Operating Margin
Above sector median
+24.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2023 was reported on Sep 30, 2023, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.1% and EPS at +0.6%, with operating margin around 24.0%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.6% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2023 Sep 30, 2023 | โ | +0.0% | -0.6% | -3.9% |
2023 Jun 30, 2023 | โ | +0.0% | -0.6% | -3.9% |
2023 Mar 31, 2023 | โ | +0.0% | -0.6% | -3.9% |
Benchmark Edge
HFBK vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
HFBK
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
HFBK Max Drawdown
-13.95%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for HFBK and SPY.
Company Overview
Harford Bank
Other OTC
Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. It provides various deposit services, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, as well as commercial mortgages secured by real estate, real estate construction loans, and real estate acquisition loans. In addition, it provides consumer loans, such as secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements. Further, the company offers various other banking services, including mobile banking, automated teller machine, online banking with bill payment, cash management, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards. It operates through eight banking offices in Harford County, Maryland; and two banking offices in Cecil County, Maryland. The company was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland.
- Leadership
- Michael F. Allen
- IPO Date
- Oct 28, 1999
- Employees
- 86
- Street Address
- 8 West Bel Air Avenue
- Mailing
- Aberdeen, MD, 21001
- Region
- Aberdeen, MD, US
- Reporting Currency
- USD
- Investor Line
- 410 272 5000
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.5
- EV/EBITDA
- โ
- Price/Sales
- 1.3
- Price/Book
- 0.8
Growth
- Revenue
- +5.1%
- EPS
- +0.6%
- Free Cash Flow
- +12.4%
Profitability
- Gross Margin
- 67.6%
- Operating Margin
- 24.0%
- Net Margin
- 18.6%
- ROE
- 10.3%
- ROIC
- 1.0%
Balance Sheet
- Debt/Equity
- 0.02
- Current Ratio
- 223.06
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.