1. United States of America Stocks

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  3. •

    Banks - Regional
Harford Bank

Harford Bank

HFBK
Harford BankUS flagOther OTC
45.75
USD
- -
- -
56.54MMarket Cap
Harford Bank
HFBK
(Other OTC)

Recent

price

45.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2005
2006
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.52
6.9
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
Revenue per Share
1.36
1.46
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
Basic EPS, GAAP
1.83
1.87
- -
- -
1.69
2.23
2.11
2.12
2.71
1.48
5.2
4.4
4.63
4.76
5.08
5.56
Free Cash Flow per Basic Share
0.64
0.72
- -
- -
0.59
0.6
0.62
0.65
0.68
0.52
1.02
0.77
0.88
0.92
0.96
0.97
Dividend per Share
7.81
7.91
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
Book Value per Share
15.48
16.24
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
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
1
1
2
2
Basic Weighted Avg Shares
8
9
9
10
12
13
14
15
15
17
19
21
23
25
27
28
Sales/Revenue/Turnover
31.42
32.46
32.81
31.94
27.19
23.25
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
3
3
3
5
5
6
7
7
7
Net Income, GAAP
33.57
34.69
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
Effective Tax Rate (%)
20.87
21.2
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2
5
5
4
28
33
32
26
19
- -
- -
- -
17
- -
- -
- -
LT Debt
19
20
21
22
34
35
37
40
43
45
50
54
59
65
71
73
Total Equity
- -
7.73
7.57
7.91
4.58
2.83
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
18.68
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
Return on Common Equity (%)

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
- -
- -
- -
- -
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Business
There are no relevant recent changes or news findings directly related to Harford Bank (Ticker: HFBK) from the search results so far. To provide a high-quality and accurate corporate description for Harford Bank including up-to-date major company changes, I will now review the company's official website to extract detailed and current information on their products, services, geographic presence, history, and any recent developments. I will proceed to fetch detailed content from https://www.harfordbank.com.