Harford Bank
Harford Bank
Your view on HFBK
Overview
What the company does, where it operates, and who runs it.
About Harford Bank
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Michael F. Allen
- Headquarters
- 8 West Bel Air Avenue, Aberdeen, MD, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Michael F. Allen
- Headquarters
- 8 West Bel Air Avenue, Aberdeen, MD, US
Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. It provides various deposit services, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts.
The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, 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.
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 boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards.
It operates through eight banking offices in Harford County, Maryland; and two banking offices in Cecil County, Maryland. The company was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Harford Bank, and the rating behind it. HFBK last traded at $42.41, 8.6× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Harford Bank. Starting points for Harford Bank: P/E 8.6, EPS $5.22, beta -0.09 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Harford Bank. Harford Bank does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Harford Bank. Trailing twelve-month EPS for Harford Bank stands at $5.22. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Harford Bank. Harford Bank has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Harford Bank valued side by side against its closest peers. Harford Bank is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Harford Bank, and how their positions are changing. At a $52.4M market value, institutional positions materially move Harford Bank's register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Harford Bank executives and directors. Shares of Harford Bank have traded between $32.75 and $43.27 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Harford Bank. Harford Bank is a $52.4M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Harford Bank. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Harford Bank. Coverage tracks Harford Bank within Banks - Regional (Financial Services). Press releases and market coverage, newest first.