/HFBK

HFBK Stock - Harford Bank

Q: What is the analyst price target for HFBK?

Analyst price target information is not currently available for HFBK.

Q: What is HFBK's market cap?

Market capitalization information is not currently available for HFBK.

Financial Services|Banks - Regional|OTC

$37.78+0.00%

+$0.00 (+0.00%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $41.56

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta-0.10

52W High$43.00

52W Low$32.75

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$36.23M	$28.97M	$21.87M	$20.93M	$19.53M
Gross Profit	$24.71M	$22.43M	$21.24M	$19.39M	$15.27M
Gross Margin	68.2%	77.4%	97.1%	92.6%	78.2%
Operating Income	$9.09M	$8.65M	$6.76M	$7.20M	$4.22M
Net Income	$6.96M	$6.46M	$5.13M	$5.34M	$3.20M
Net Margin	19.2%	22.3%	23.4%	25.5%	16.4%
EPS	$4.68	$4.38	$3.51	$3.71	$2.24

Company Overview

Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. It provides various deposit services, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, as well as commercial mortgages secured by real estate, real estate construction loans, and real estate acquisition loans. In addition, it provides consumer loans, such as secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements. Further, the company offers various other banking services, including mobile banking, automated teller machine, online banking with bill payment, cash management, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards. It operates through eight banking offices in Harford County, Maryland; and two banking offices in Cecil County, Maryland. The company was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland.

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