Harford Bank
Other OTCTotal Valuation
Harford Bank carries a market capitalization of 56.54M, placing it among publicly traded companies globally. Its enterprise value stands at -6.80M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 56.54M |
| Enterprise Value | -6.80M |
Share Statistics
Harford Bank currently has 1.51M shares outstanding.
| Shares Outstanding | 1.51M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Harford Bank trades at a trailing price-to-earnings ratio of 8.37. The price-to-sales ratio is 2.21, and the price-to-book ratio stands at 1.14.
| PE Ratio | 8.37 |
| PS Ratio | 2.21 |
| PB Ratio | 1.14 |
| P/TBV Ratio | 0.85 |
| P/FCF Ratio | 6.90 |
| P/OCF Ratio | 7.10 |
Financial Efficiency
| Return on Equity (ROE) | 14.40 |
| Return on Assets (ROA) | 1.01 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Harford Bank has paid 2.22M in income taxes, reflecting an effective tax rate of 23.22.
| Income Tax | 2.22M |
| Effective Tax Rate | 23.22 |
Stock Price Statistics
Harford Bank's stock has gained approximately 31.84438% over the past 52 weeks. The 50-day moving average sits at 42.33, while the 200-day moving average is 40.88.
| Beta (5Y) | N/A |
| 52-Week Price Change | 31.84438% |
| 50-Day Moving Average | 42.33 |
| 200-Day Moving Average | 40.88 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Harford Bank generated 27.84M in revenue and converted that into 7.35M in net income, yielding earnings per share of 4.85.
| Revenue | 27.84M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 9.58M |
| Net Income | 7.35M |
| EBITDA | 418,146.00 |
| EBIT | N/A |
| Earnings Per Share (EPS) | 4.85 |
Balance Sheet
| Cash & Cash Equivalents | 68.37M |
| Total Debt | N/A |
| Net Debt | -52.86M |
| Equity (Book Value) | 54.08M |
| Book Value Per Share | 35.97 |
| Working Capital | N/A |
Cash Flow
Harford Bank produced 8.67M in operating cash flow over the past twelve months. After subtracting -317,520.00 in capital expenditures, free cash flow totaled 8.36M - equivalent to 5.56 per share.
| Operating Cash Flow | 8.67M |
| Capital Expenditures | -317,520.00 |
| Free Cash Flow | 8.36M |
| FCF Per Share | 5.56 |
Margins
Harford Bank operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 34.40 |
| Profit Margin | 26.41 |
| EBITDA Margin | 1.50 |
Dividends & Yields
The company's payout ratio of 19.84 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.97 |
| Dividend Yield | N/A |
| Payout Ratio | 19.84 |
| Shareholder Yield | -6.82 |
| FCF Yield | 14.48 |
Stock Splits
Harford Bank's most recent stock split took place on November 30, 2017 with a 100:103 split ratio.
| Last Split Date | 11/30/2017 |
| Split Ratio | 100:103 |
Scores
Harford Bank posts an Altman Z-Score of 0.17, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.17 |