Harford Bank (HFBK)
ValueMarkers Composite Index
57% below intrinsic value ($93)
Harford Bank (HFBK) — VMCI valuation read
Across 120 indicators, Harford Bank (HFBK) lands at VMCI 67/100. The Financial Services sector median is 50, so the 17-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.
No material Form 4 disclosures landed on HFBK in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.
**Investor frame.** On Value, HFBK trades at 25.0x earnings, 39% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 2.1x is the rate-sensitivity line to watch for HFBK on the trailing balance sheet.
HFBK fell 0.7% over the trailing 7 days, with a -8.2% read on a 30-day basis.
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