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HFBK

Harford Bank

HFBK, USA

Harford Bank provides commercial and retail banking products and services for individuals, businesses, and governmental units. It offers various deposit services, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company also offers various commercial loans, including secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery, 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, as well as secured fixed-rate consumer mortgage loans, variable rate home equity lines of credit, and fixed rate home equity loans. 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 box, direct deposit of payroll and social security check, and ACH origination services, as well as debit, gift, and credit cards. It provides its products through branches located throughout Harford County and Cecil County, Maryland. Harford Bank was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. The company was founded in 1964 and is based in Aberdeen, Maryland.

https://www.harfordbank.com

Stock Price

$0.00

0%

increase compared to yesterday.

Dividend

Frequency:

N/A

Rate:

N/A

Next Payout:

N/A

Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

8.55

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

0.93

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

2.70 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.26 %

Low ≤ 2%

High ≥ 10%

Free Cash Flow - Revenue % (FCF)

-

Very High

14.15 %

Low ≤ 5%

High ≥ 15%

Debt to Equity

-

Very Low

9.58

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 0.00% of the total shares of Harford Bank

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

—

EPS Estimate

—

Latest Release

Date

2025-09-30

EPS Actual

1.2388

EPS Estimate

—

EPS Difference

0

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Strong Deep Value(8.5)
Defensive
Highly Defensive(6.5)
Dividend
Decent Dividend Payer(3.5)
Economic Moat
Wide Moat Company(7.3)
GARP
Fair GARP(5)
Growth
Moderate Growth(3.5)
Momentum
Moderate Momentum(5.5)
Net Net
Possible Net-Net(5.5)
Quality
Moderate Quality(4.5)
Value
Undervalued(6.5)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.

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