3 Undervalued Banks Stocks for Wednesday, June 26
Discover the top 3 undervalued Banks stocks for Wednesday, June 26 based on AAII’s Stock Grades.Grace Malone
A+ Stock Grade Summary:
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COMPANY SUMMARY
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 time deposit products. The company also offers commercial loans, such as secured and unsecured loans for working capital, acquisition and real estate improvement business expansion, purchase of equipment and machinery, commercial mortgages secured by real estate, real estate construction, and real estate acquisition. In addition, it provides secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements; originates secured fixed-rate consumer mortgage loans, variable rate home equity lines of credit, and fixed rate home equity loans. Further, the company offers mobile banking, drive-through banking services, automated teller machine services, online banking with bill payment, cash management services, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and Social Security checks, and ACH origination; and Visa check debit, gift, and credit cards. It provides its products through branches located throughout Harford County and 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.
Commentary & Analysis
Is Harford Bank (HFBK) a Good Dividend Stock?
Learn more about Harford Bank's (HFBK) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Jenna Brashear
Is Harford Bank (HFBK) Stock a Good Investment?
Learn more about Harford Bank's (HFBK) stock grades for Growth and determine whether this Banks stock meets your investment needs.Jenna Brashear
Financial Summary
| Share Statistics | HFBK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $71.0 | $716.9 | 19% |
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| Shares Out (Mil) | 1.5 | 15.7 | 6% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | na | 21.2 | na |
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| Beta | -0.15 | 0.48 | 4% |
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| Avg Daily Volume (000s) | 0 | 53 | 0% |
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| Price Change (52-week) |
46.9% | 96.7% | 78% |
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| Growth | HFBK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.0% | 7.6% | 62% |
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| Net Income (5yr) | 17.3% | 11.1% | 68% |
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| EPS (5yr) | 16.0% | 10.1% | 59 |
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| Dividends (5yr) | 0.0% | 3.6% | 78% |
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| Cash Flow (5yr) | (27.9%) | (17.0%) | 22% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | HFBK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $27 | $190 | 15% |
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| Net Income (TTM) (Mil) | $7 | $51 | 44% |
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| EPS (TTM) | $4.889 | $2.500 | 86% |
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| Operating Cash Flow (TTM) (Mil) | $9 | $34 | 37% |
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| Net Cash Flow (TTM) (Mil) | ($67) | $1 | 17% |
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| Long-Term Debt (Q1) (Mil) | $1 | $100 | 17% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | HFBK | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.98 | 1.27 | 22% |
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| P/E | 9.7 | 12.9 | 15% |
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| Dividend Yield | 2.1% | 2.2% | 77% |
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| PEG (5yr hist) | 0.6 | 1.1 | 29% |
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| Ratios | HFBK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 27.6% | 28.9% | 86% |
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| ROA | 1.0% | 1.0% | 46% |
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| ROE | 10.6% | 11.1% | 59% |
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| Liabilities to Assets | 90.1% | 89.8% | 86% |
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| F-Score | 5 | 4 | 51% |
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Harford Bank did not pass any screens on 7/31/2026.
