Stock HFBK HARFORD BANK
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Financials Harford Bank

Equities

HFBK

US4124791074

Banks

Market Closed - OTC Markets
Other stock markets
 12:56:13 2024-05-16 pm EDT 		5-day change 1st Jan Change
32.25 USD 0.00% Intraday chart for Harford Bank -0.25% -2.27%
2023 Harford Bank Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI
2023 Harford Bank Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 36.24 39.48 41.82 30.28 42.25 48.22
Enterprise Value (EV) 1 58.8 56.14 54.07 21.37 36.13 43.06
P/E ratio 18.8 x 12.5 x 12.8 x 9.53 x 7.93 x 9.41 x
Yield 2.4% 2.36% 1.73% - 2.53% 2.34%
Capitalization / Revenue 2.77 x 2.76 x 2.8 x 1.98 x 2.16 x 2.23 x
EV / Revenue 4.5 x 3.92 x 3.62 x 1.4 x 1.85 x 1.99 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.98 x 1 x 0.98 x 0.67 x 0.86 x 0.89 x
Nbr of stocks (in thousands) 1,394 1,410 1,423 1,425 1,444 1,468
Reference price 2 26.00 28.00 29.40 21.25 29.25 32.85
Announcement Date 4/6/18 3/6/19 4/17/20 3/17/21 4/1/22 3/16/23
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 13.07 14.32 14.94 15.27 19.56 21.6
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 3.576 4.283 4.395 4.22 7.199 6.761
Net income 1 1.937 3.19 3.293 3.197 5.341 5.126
Net margin 14.82% 22.27% 22.04% 20.94% 27.31% 23.74%
EPS 2 1.380 2.240 2.300 2.230 3.690 3.490
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.6250 0.6600 0.5100 - 0.7400 0.7700
Announcement Date 4/6/18 3/6/19 4/17/20 3/17/21 4/1/22 3/16/23
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 22.6 16.7 12.2 - - -
Net Cash position 1 - - - 8.91 6.12 5.16
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.36% 8.34% 8.02% 7.29% 11.3% 9.9%
ROA (Net income/ Total Assets) 0.56% 0.89% 0.89% 0.74% 1.01% 0.88%
Assets 1 343.9 358.5 370.9 431.7 530.6 585.3
Book Value Per Share 2 26.40 28.10 29.90 31.50 34.10 36.80
Cash Flow per Share 2 6.230 6.620 4.350 5.350 2.630 2.030
Capex 1 0.17 1.11 0.76 0.66 1.81 0.22
Capex / Sales 1.3% 7.75% 5.12% 4.35% 9.28% 1.03%
Announcement Date 4/6/18 3/6/19 4/17/20 3/17/21 4/1/22 3/16/23
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Banks

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