1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Harford Bank

Harford Bank

HFBK
Harford BankUS flagOther OTC
45.75
USD
- -
- -
56.54MMarket Cap
2005 Y
2006 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.35
7.72
9
9.28
9.74
10.38
10.68
11.99
13.47
14.23
15.77
16.72
17.89
18.51
Basic EPS, GAAP
1.56
1.64
1.54
1.35
1.4
2.27
2.32
2.24
3.71
3.51
4.38
4.69
4.71
4.89
Free Cash Flow per Basic Share
- -
- -
1.69
2.23
2.11
2.12
2.71
1.48
5.2
4.4
4.63
4.76
5.08
5.56
Dividend per Share
- -
- -
0.59
0.6
0.62
0.65
0.68
0.52
1.02
0.77
0.88
0.92
0.96
0.97
Book Value per Share
7.97
9.98
14.66
14.48
14.76
16.29
18.05
19.67
22.35
24.9
27.86
31.54
35.07
35.97
Tangible Book Value per Share
17.03
17.63
25.89
25.82
26.6
28.2
30
31.6
34.42
37
39.97
43.77
47.45
48.35
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
1
2
2
Sales/Revenue/Turnover
9
10
12
13
14
15
15
17
19
21
23
25
27
28
Operating Margin (%)
32.81
31.94
27.19
23.25
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
- -
- -
- -
Net Income, GAAP
2
2
2
2
2
3
3
3
5
5
6
7
7
7
Effective Tax Rate (%)
35.2
33.46
37.3
37.28
45.83
25.52
25.08
24.24
25.81
24.19
25.3
23.4
22.59
23.22
Profit Margin (%)
21.26
21.25
17.05
14.59
14.34
21.88
21.76
18.65
27.55
24.66
27.76
28.04
26.34
26.41
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
5
4
28
33
32
26
19
- -
- -
- -
17
- -
- -
- -
Total Equity
21
22
34
35
37
40
43
45
50
54
59
65
71
73
Return on Invested Capital (%)
7.57
7.91
4.58
2.83
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
19.82
18.29
12.68
9.48
9.62
14.72
13.59
11.9
17.71
14.95
16.67
15.84
14.21
14.4

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
59
63
62

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
115
79
68
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.7%
9.52%
9.49%
Free Cash Flow
27.71%
51.57%
7.78%
Net Income, GAAP
15.99%
19.67%
1.52%
Sales/Revenue/Turnover
8.58%
9.4%
8.08%
Total Cash Common Dividend
9.95%
20.06%
5.34%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
6
6
7
25
2025
6
7
7
7
27
2026
7
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.08
0.91
1.16
- -
4.69
2025
1.02
1.14
1.25
- -
4.71
2026
1.2
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.23
0.23
- -
0.92
2025
0.24
0.24
0.24
- -
0.96
2026
0.25
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Michael F. Allen
Full Time Employees
96
Sector
Financial Services
Industry
Banks - Regional
Address
8 West Bel Air Avenue Aberdeen MD United States of America 21001
IPO Date
Oct 28, 1999
CIK
0001484737
Website
harfordbank.com
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Business
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