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STOCKS

Harford Bank (HFBK)

OTHER OTC:HFBK

HFBK

Harford Bank

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Harford Bank (HFBK) Ratios

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Harford Bank Ratios

HFBK's free cash flow for Q2 2025 was $0.67. For the 2025 fiscal year, HFBK's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.20	0.07	17.61	665.52	293.43
Quick Ratio	0.20	0.07	732.49	1.33K	586.88
Cash Ratio	0.18	0.07	348.49	655.04	286.53
Solvency Ratio	0.01	0.01	0.01	44.93	18.58
Operating Cash Flow Ratio	0.01	0.01	74.90	71.50	13.87
Short-Term Operating Cash Flow Coverage	0.00	0.23	0.00	53.80	17.50
Net Current Asset Value	$ -531.90M	$ -571.13M	$ -539.86M	$ 86.48M	$ 58.53M
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.07	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	0.00	0.82	<0.01	0.01	0.01
Debt-to-Capital Ratio	0.00	0.45	<0.01	0.01	0.01
Long-Term Debt-to-Capital Ratio	0.00	0.22	0.00	0.00	0.00
Financial Leverage Ratio	10.72	11.30	11.02	11.61	10.75
Debt Service Coverage Ratio	0.46	0.19	5.26	3.40	1.46
Interest Coverage Ratio	0.81	1.61	7.27	4.65	1.77
Debt to Market Cap	0.00	0.99	0.00	<0.01	<0.01
Interest Debt Per Share	7.74	36.55	0.99	1.44	2.03
Net Debt to EBITDA	-15.60	1.55	-4.19	-10.99	-11.99
Profitability Margins
Gross Profit Margin	74.50%	125.21%	100.00%	100.00%	100.00%
EBIT Margin	20.46%	37.16%	32.52%	36.81%	24.61%
EBITDA Margin	21.66%	39.48%	35.15%	39.40%	27.65%
Operating Profit Margin	27.35%	39.48%	37.71%	36.81%	24.61%
Pretax Profit Margin	27.35%	37.16%	32.52%	36.81%	24.61%
Net Profit Margin	21.17%	27.76%	24.66%	27.31%	18.65%
Continuous Operations Profit Margin	21.17%	27.76%	24.66%	27.31%	18.65%
Net Income Per EBT	77.38%	74.70%	75.81%	74.19%	75.76%
EBT Per EBIT	100.00%	94.12%	86.24%	100.00%	100.00%
Return on Assets (ROA)	1.00%	0.97%	0.86%	0.93%	0.66%
Return on Equity (ROE)	11.06%	10.95%	9.48%	10.78%	7.07%
Return on Capital Employed (ROCE)	12.99%	5.94%	1.32%	1.25%	0.87%
Return on Invested Capital (ROIC)	10.05%	3.70%	1.00%	2.63%	2.77%
Return on Tangible Assets	1.00%	0.97%	0.86%	0.93%	0.66%
Earnings Yield	12.33%	13.27%	10.68%	12.68%	10.52%
Efficiency Ratios
Receivables Turnover	20.62	12.74	13.29	14.34	12.41
Payables Turnover	16.10	-8.24	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.27	2.84	2.12	1.92	1.94
Asset Turnover	0.05	0.03	0.03	0.03	0.04
Working Capital Turnover Ratio	-0.07	-0.10	0.47	0.27	0.38
Cash Conversion Cycle	-4.97	72.94	27.46	25.45	29.40
Days of Sales Outstanding	17.70	28.64	27.46	25.45	29.40
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	22.67	-44.30	0.00	0.00	0.00
Operating Cycle	17.70	28.64	27.46	25.45	29.40
Cash Flow Ratios
Operating Cash Flow Per Share	5.36	4.95	4.56	6.46	1.94
Free Cash Flow Per Share	5.11	4.85	4.40	5.20	1.48
CapEx Per Share	0.24	0.10	0.15	1.26	0.46
Free Cash Flow to Operating Cash Flow	0.95	0.98	0.97	0.81	0.76
Dividend Paid and CapEx Coverage Ratio	4.54	5.06	4.94	2.83	1.97
Capital Expenditure Coverage Ratio	22.08	51.32	29.89	5.13	4.18
Operating Cash Flow Coverage Ratio	0.00	0.15	18.35	17.66	5.32
Operating Cash Flow to Sales Ratio	0.23	0.31	0.32	0.48	0.16
Free Cash Flow Yield	15.81%	14.69%	13.40%	17.79%	6.95%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.11	7.54	9.36	7.88	9.51
Price-to-Sales (P/S) Ratio	1.41	2.09	2.31	2.15	1.77
Price-to-Book (P/B) Ratio	0.87	0.83	0.89	0.85	0.67
Price-to-Free Cash Flow (P/FCF) Ratio	6.32	6.81	7.46	5.62	14.38
Price-to-Operating Cash Flow Ratio	7.33	6.67	7.21	4.53	10.94
Price-to-Earnings Growth (PEG) Ratio	1.63	0.30	-1.74	0.12	-2.76
Price-to-Fair Value	0.87	0.83	0.89	0.85	0.67
Enterprise Value Multiple	-9.07	6.85	2.38	-5.53	-5.58
Enterprise Value	-67.33M	62.92M	17.39M	-42.61M	-26.43M
EV to EBITDA	-9.07	6.85	2.38	-5.53	-5.58
EV to Sales	-1.96	2.70	0.84	-2.18	-1.54
EV to Free Cash Flow	-8.78	8.80	2.70	-5.69	-12.51
EV to Operating Cash Flow	-8.38	8.63	2.61	-4.58	-9.52
Tangible Book Value Per Share	45.29	39.97	36.99	399.42	339.63
Shareholders’ Equity Per Share	45.29	39.97	37.00	34.42	31.60
Tax and Other Ratios
Effective Tax Rate	0.23	0.25	0.24	0.26	0.24
Revenue Per Share	22.86	15.77	14.23	13.58	11.99
Net Income Per Share	4.84	4.38	3.51	3.71	2.24
Tax Burden	0.77	0.75	0.76	0.74	0.76
Interest Burden	1.34	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.33	0.43	0.51	0.45	0.44
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	1.11	1.13	1.30	1.74	0.87

Currency in USD