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Harford Bank (HFBK)
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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 2026 was $0.71. For the 2026 fiscal year, HFBK's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 404.53 223.26 0.18 0.09 0.06
Quick Ratio
 404.53 223.26 0.18 0.09 0.06
Cash Ratio
 393.24 216.02 0.15 0.06 0.06
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 54.63 29.49 0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 54.63 29.49 0.00 0.24 0.00
Net Current Asset Value
$ -630.11M$ -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
 10.41 10.24 10.97 11.29 11.02
Debt Service Coverage Ratio
 0.75 0.65 0.65 0.19 5.26
Interest Coverage Ratio
 0.96 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
 8.35 8.30 7.70 36.41 0.74
Net Debt to EBITDA
 -6.36 -6.24 -10.21 1.50 -4.24
Profitability Margins
Gross Profit Margin
69.43%67.63%68.21%77.41%97.15%
EBIT Margin
26.02%23.98%25.09%29.84%30.92%
EBITDA Margin
26.83%25.05%26.37%31.70%33.41%
Operating Profit Margin
26.02%23.98%25.09%29.84%30.92%
Pretax Profit Margin
26.02%23.98%25.09%29.84%30.92%
Net Profit Margin
19.76%18.57%19.22%22.29%23.44%
Continuous Operations Profit Margin
19.76%18.57%19.22%22.29%23.44%
Net Income Per EBT
75.95%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)
1.02%0.97%0.98%0.97%0.86%
Return on Equity (ROE)
10.95%9.93%10.71%10.95%9.48%
Return on Capital Employed (ROCE)
1.34%1.25%13.11%10.86%11.89%
Return on Invested Capital (ROIC)
1.02%0.97%10.04%5.84%9.01%
Return on Tangible Assets
1.02%0.97%0.98%0.97%0.86%
Earnings Yield
11.65%11.22%13.99%13.27%10.68%
Efficiency Ratios
Receivables Turnover
 19.90 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
 4.14 4.11 4.48 3.54 2.23
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 0.63 -0.16 -0.07 -0.06 -0.05
Cash Conversion Cycle
 18.34 -3.16 -6.65 -16.71 -25.92
Days of Sales Outstanding
 18.34 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
 18.34 18.95 16.90 23.00 26.11
Cash Flow Ratios
Operating Cash Flow Per Share
 6.43 5.52 4.99 4.95 4.56
Free Cash Flow Per Share
 6.22 5.28 4.74 4.85 4.40
CapEx Per Share
 0.21 0.25 0.24 0.10 0.15
Free Cash Flow to Operating Cash Flow
 0.97 0.96 0.95 0.98 0.97
Dividend Paid and CapEx Coverage Ratio
 5.42 4.58 4.28 5.06 4.94
Capital Expenditure Coverage Ratio
 30.84 22.39 20.37 51.32 29.89
Operating Cash Flow Coverage Ratio
 5.33 6.81 0.00 0.15 0.00
Operating Cash Flow to Sales Ratio
 0.24 0.22 0.20 0.25 0.30
Free Cash Flow Yield
16.97%12.56%14.16%14.69%13.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.55 8.92 7.16 7.54 9.36
Price-to-Sales (P/S) Ratio
 1.39 1.66 1.37 1.68 2.19
Price-to-Book (P/B) Ratio
 0.91 0.89 0.77 0.83 0.89
Price-to-Free Cash Flow (P/FCF) Ratio
 5.89 7.96 7.06 6.81 7.46
Price-to-Operating Cash Flow Ratio
 6.97 7.60 6.72 6.67 7.21
Price-to-Earnings Growth (PEG) Ratio
 1.06 13.91 1.05 0.30 -1.74
Price-to-Fair Value
 0.91 0.89 0.77 0.83 0.89
Enterprise Value Multiple
 -1.19 0.37 -5.00 6.79 2.33
Enterprise Value
 -12.72M 3.52M -47.79M 62.41M 17.03M
EV to EBITDA
 -1.19 0.37 -5.00 6.79 2.33
EV to Sales
 -0.32 0.09 -1.32 2.15 0.78
EV to Free Cash Flow
 -1.35 0.44 -6.78 8.73 2.65
EV to Operating Cash Flow
 -1.31 0.42 -6.45 8.56 2.56
Tangible Book Value Per Share
 49.37 47.44 43.77 39.97 37.00
Shareholders’ Equity Per Share
 49.38 47.45 43.77 39.97 37.00
Tax and Other Ratios
Effective Tax Rate
 0.24 0.23 0.23 0.25 0.24
Revenue Per Share
 26.42 25.38 24.39 19.64 14.97
Net Income Per Share
 5.22 4.71 4.69 4.38 3.51
Tax Burden
 0.76 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 0.30 0.30 0.35 0.44
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Income Quality
 1.23 1.17 1.06 1.13 1.30
Currency in USD