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Equity
Harford Bank(HFBK)
USD --+0.00%
Reward61Moderate
Risk42Moderate
📊75%Data
Strong 29% profit margin · 2.3% dividend yield
HFBK
+0.0 · +0.00%
USD · PINK
Harford Bank | Financial Services
Quality Compounder
Market Cap:63.20M
ℹ️
Reward Rating
61
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
42
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on HFBK to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Harford Bank?

Harford Bank provides commercial and retail banking products and services for individuals, businesses, and governmental units.

HFBK · Verdict

Solid reward · moderate risk

HFBK scores well on profitability and volatility with no major weaknesses flagged in the model.

Based on 88% data coverage

HFBK · Verdict

What’s working & what to watch

Strengths 4

  • Profitability78/100

    19% net margin · 11% ROE

  • Volatility75/100

    Above average

  • Valuation68/100

    Above average

  • Cash flow65/100

    19% free-cash-flow margin

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is Harford Bank?

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 is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 63.20M, and a P/E ratio of 8.6x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (61)

The scoring profile indicates moderate reward potential, with profitability and valuation as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap63.20M
P/E Ratio8.5519
Dividend Yield2.25%
52 Week High43.27
52 Week Low32.1156
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding2M
No. of Employees86
IndustryBanks - Regional
ExchangePINK
Beta-0.091
CurrencyUSD
Websitewww.harfordbank.com
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