HFBK(HFBK)

$45.30—Stale · unknown old

HFBK(HFBK)

OTC • Last print unknown ago

$45.30—Stale · unknown old

Overview Fair Value Stream Notebook Intel Chart History Fundamentals TTM Earnings Analysts News Financials Insiders Institl.DCF Peers

Writing up the research noteFirst read for a new ticker takes about 20-30 seconds while we build the analysis from the latest fundamentals, estimates, and intelligence. It's saved after this, so future visits are instant.

Explore More

S&P 500 Screener

Filter and sort all 500 stocks

Market Movers

Today's biggest gainers and losers

Market Heatmap

Visual sector performance

Data is provided for informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.

8/31/26

Harford Bank (HFBK)

Monday

2:01 AM

ThesisThe bank's strong loan growth and improved asset quality metrics are driving positive sentiment among investors, suggesting a favorable outlook.

Revenue Outlook

Metric	FY2024	FY2025
Revenue	$36M	$38M
Rev. Growth	+25.0%	+5.1%
EPS	$4.68	$4.71
EPS Growth	+6.8%	+0.6%
P/E	9.7×	9.6×

What’s Driving the Stock

01HFBK has successfully increased its loan portfolio by 10% YoY, indicating strong demand for its lending services.
02The bank's recent investment in digital banking technology is expected to reduce operating costs by 15% over the next two years.
03A potential acquisition of a local credit union could expand HFBK's customer base by 20%.
04HFBK's non-performing loan ratio has improved to 0.5%, indicating better asset quality and risk management.
05Digital transformation in banking
06Increased focus on local community engagement
07Changes in the Federal Funds Rate impacting net interest margins
08Growth in local economic indicators such as employment rates and consumer spending

FY2025 Snapshot

Revenue: $38M
Rev. Growth: +5.1%
Gross Margin: 67.6%
Op. Margin: 24.0%
Net Margin: 18.6%
Net Income: $7M
NI Growth: +1.5%
EPS: $4.71
1Y Return: +30.8%

HFBK Chart

My Notes

"Management noted, 'Our focus on local lending and customer service is yielding strong results in a competitive environment.'"
Moat: HFBK's strong community ties and customer service provide a durable competitive advantage in its regional market.
value - HFBK's low price-to-book ratio of 0.9x suggests potential undervaluation, appealing to value-focused investors.
Rising interest rates typically enhance HFBK's net interest margins, allowing for improved profitability on loans…
Watch on earnings: Federal Funds Rate, Local unemployment rates, Consumer sentiment index.

One Sentence Summary:

Harford Bank: the setup is constructive — hfbk has successfully increased its loan portfolio by 10% yoy, indicating strong demand for its lending services.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.