OTC · Financial Statements

Harford Bank (HFBK) Financial Statements

$45.75 OTC: HFBK Market Cap $56.54M

Harford Bank most recently reported annual revenue of $38.0M, net profit of $7.0M. Revenue grew at an average annual rate of 13.7% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Annual Financials (USD)

Metric20212022202320242025
Revenue$21.0M$22.0M$29.0M$36.0M$38.0M
Operating Profit$7.0M$7.0M$9.0M$9.0M$9.0M
Net Profit$5.0M$5.0M$6.0M$7.0M$7.0M
EPS$3.69$3.49$4.34$4.65$4.68
Op Margin34.4%30.9%29.8%25.1%24.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$575.0M$595.0M$666.0M$713.0M$729.0M
Total Liabilities$526.0M$541.0M$607.0M$648.0M$658.0M
Cash$85.0M$31.0M$34.0M$98.0M$61.0M
Borrowings$0$0$48.0M$0$1.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$9.0M$7.0M$7.0M$7.0M$8.0M
Investing Cash Flow$-68.0M$-76.0M$-66.0M$18.0M$-53.0M
Financing Cash Flow$85.0M$17.0M$16.0M$89.0M$9.0M
Net Cash Flow$27.0M$-54.0M$4.0M$66.0M$-37.0M
Free Cash Flow$7.0M$6.0M$7.0M$7.0M$8.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.60
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

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Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.