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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 Q4 2025 was $0.68. For the 2025 fiscal year, HFBK's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	223.06	223.26	0.18	0.09	0.06
Quick Ratio	223.06	223.26	0.18	0.09	0.06
Cash Ratio	216.02	216.02	0.15	0.06	0.06
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	29.49	29.49	0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	29.49	29.49	0.00	0.24	0.00
Net Current Asset Value	$ -595.43M	$ -595.37M	$ -533.11M	$ -553.92M	$ -508.89M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	0.00	0.07	0.00
Debt-to-Equity Ratio	0.02	0.02	0.00	0.81	0.00
Debt-to-Capital Ratio	0.02	0.02	0.00	0.45	0.00
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.22	0.00
Financial Leverage Ratio	10.24	10.24	10.97	11.29	11.02
Debt Service Coverage Ratio	0.64	0.61	0.65	0.19	5.26
Interest Coverage Ratio	0.81	0.81	0.80	1.52	6.27
Debt to Market Cap	<0.01	<0.01	0.00	0.99	0.00
Interest Debt Per Share	8.26	8.30	7.70	36.41	0.74
Net Debt to EBITDA	-6.31	-6.52	-10.21	1.50	-4.24
Profitability Margins
Gross Profit Margin	67.63%	67.63%	68.21%	77.41%	97.15%
EBIT Margin	23.98%	23.98%	25.09%	29.84%	30.92%
EBITDA Margin	24.77%	23.98%	26.37%	31.70%	33.41%
Operating Profit Margin	23.98%	23.98%	25.09%	29.84%	30.92%
Pretax Profit Margin	23.98%	23.98%	25.09%	29.84%	30.92%
Net Profit Margin	18.57%	18.57%	19.22%	22.29%	23.44%
Continuous Operations Profit Margin	18.57%	18.57%	19.22%	22.29%	23.44%
Net Income Per EBT	77.41%	77.41%	76.60%	74.70%	75.81%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.97%	0.97%	0.98%	0.97%	0.86%
Return on Equity (ROE)	10.28%	9.93%	10.71%	10.95%	9.48%
Return on Capital Employed (ROCE)	1.25%	1.25%	13.11%	10.86%	11.89%
Return on Invested Capital (ROIC)	0.97%	0.97%	10.04%	5.84%	9.01%
Return on Tangible Assets	0.97%	0.97%	0.98%	0.97%	0.86%
Earnings Yield	11.44%	11.22%	13.99%	13.27%	10.68%
Efficiency Ratios
Receivables Turnover	19.26	19.26	21.60	15.87	13.98
Payables Turnover	0.00	16.51	15.50	9.19	7.02
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.11	4.11	4.48	3.54	2.23
Asset Turnover	0.05	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.16	-0.16	-0.07	-0.06	-0.05
Cash Conversion Cycle	18.95	-3.16	-6.65	-16.71	-25.92
Days of Sales Outstanding	18.95	18.95	16.90	23.00	26.11
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	22.11	23.54	39.71	52.03
Operating Cycle	18.95	18.95	16.90	23.00	26.11
Cash Flow Ratios
Operating Cash Flow Per Share	5.50	5.52	4.99	4.95	4.56
Free Cash Flow Per Share	5.25	5.28	4.74	4.85	4.40
CapEx Per Share	0.25	0.25	0.24	0.10	0.15
Free Cash Flow to Operating Cash Flow	0.96	0.96	0.95	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	4.58	4.58	4.28	5.06	4.94
Capital Expenditure Coverage Ratio	22.39	22.39	20.37	51.32	29.89
Operating Cash Flow Coverage Ratio	6.81	6.81	0.00	0.15	0.00
Operating Cash Flow to Sales Ratio	0.22	0.22	0.20	0.25	0.30
Free Cash Flow Yield	15.62%	12.56%	14.16%	14.69%	13.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.74	8.91	7.15	7.54	9.36
Price-to-Sales (P/S) Ratio	1.33	1.66	1.37	1.68	2.19
Price-to-Book (P/B) Ratio	0.87	0.89	0.77	0.83	0.89
Price-to-Free Cash Flow (P/FCF) Ratio	6.40	7.96	7.06	6.81	7.46
Price-to-Operating Cash Flow Ratio	7.46	7.60	6.72	6.67	7.21
Price-to-Earnings Growth (PEG) Ratio	-1.88	13.91	1.04	0.30	-1.74
Price-to-Fair Value	0.87	0.89	0.77	0.83	0.89
Enterprise Value Multiple	-0.94	0.39	-5.00	6.79	2.33
Enterprise Value	-8.83M	3.52M	-47.79M	62.41M	17.03M
EV to EBITDA	-0.94	0.39	-5.00	6.79	2.33
EV to Sales	-0.23	0.09	-1.32	2.15	0.78
EV to Free Cash Flow	-1.11	0.44	-6.78	8.73	2.65
EV to Operating Cash Flow	-1.07	0.42	-6.45	8.56	2.56
Tangible Book Value Per Share	47.22	47.44	43.77	39.97	37.00
Shareholders’ Equity Per Share	47.23	47.45	43.77	39.97	37.00
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.23	0.25	0.24
Revenue Per Share	25.26	25.38	24.39	19.64	14.97
Net Income Per Share	4.69	4.71	4.69	4.38	3.51
Tax Burden	0.77	0.77	0.77	0.75	0.76
Interest Burden	1.00	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	0.30	0.31	0.29	0.35	0.44
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	1.17	1.17	1.06	1.13	1.30

Currency in USD