Harford Bank

As of March 31, 2026, Harford Bank carries a market capitalization of 61.84M, placing it among publicly traded companies globally. Its enterprise value stands at -6.53M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

As of March 31, 2026, Harford Bank has 1.51M shares outstanding.

As of March 31, 2026, Harford Bank trades at a trailing price-to-earnings ratio of 8.38. The price-to-sales ratio is 2.21, and the price-to-book ratio stands at 0.85.

Over the twelve months ended March 31, 2026, Harford Bank posted a return on equity (ROE) of 10.58, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 1.01, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 10.58, useful for judging operating efficiency across full business cycles. The company generates approximately 305,890.19 in revenue per employee across its workforce of 91.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended March 31, 2026, Harford Bank recorded 2.22M in income tax expense. That works out to an effective tax rate of 23.22, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 9.58M, leaving 7.35M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 7, 2026, Harford Bank's stock has gained approximately 13.41% over the past 52 weeks. The 50-day moving average sits at 43.56, while the 200-day moving average is 38.38.

Over the twelve months ended March 31, 2026, Harford Bank generated 27.84M in revenue and converted that into 7.35M in net income, yielding earnings per share of 4.85.

These figures are as of March 31, 2026.

Harford Bank produced 8.67M in operating cash flow over the twelve months ended March 31, 2026. After subtracting -317,520.00 in capital expenditures, free cash flow totaled 8.36M - equivalent to 5.55 per share.

These figures cover the twelve months ended March 31, 2026.

Over the twelve months ended March 31, 2026, Harford Bank paid dividends of 0.97 per share. The dividend payout ratio of 19.84 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 13.45, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield is negative at -6.79, meaning Harford Bank raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Harford Bank's most recent stock split took place on November 30, 2017 with a 100:103 split ratio.