Harford Bank Valuation
| HFBK Stock | USD 33.75 0.06 0.18% |
At this time, the firm appears to be fairly valued. Harford Bank retains a regular Real Value of $33.3 per share. The prevalent price of the firm is $33.75. Our model calculates the value of Harford Bank from evaluating the firm fundamentals such as Return On Equity of 0.0922, return on asset of 0.0078, and Current Valuation of 35.49 M as well as inspecting its technical indicators and probability of bankruptcy.
Fairly Valued
Today
Please note that Harford Bank's price fluctuation is very steady at this time. Calculation of the real value of Harford Bank is based on 3 months time horizon. Increasing Harford Bank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Harford Bank's intrinsic value may or may not be the same as its current market price of 33.75, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 33.75 | Real 33.3 | Hype 33.75 |
The intrinsic value of Harford Bank's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Harford Bank's stock price.
Estimating the potential upside or downside of Harford Bank helps investors to forecast how Harford pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Harford Bank more accurately as focusing exclusively on Harford Bank's fundamentals will not take into account other important factors: Harford Bank Total Value Analysis
Harford Bank is currently forecasted to have valuation of 35.49 M with market capitalization of 47.38 M, debt of 444.67 K, and cash on hands of 6.89 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Harford Bank fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
35.49 M | 47.38 M | 444.67 K | 6.89 M |
Harford Bank Investor Information
The company has price-to-book (P/B) ratio of 0.92. Some equities with similar Price to Book (P/B) outperform the market in the long run. Harford Bank last dividend was issued on the 23rd of November 2022. The entity had 103:100 split on the 30th of November 2017. Harford Bank is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January.Harford Bank Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Harford suggests not a very effective usage of assets in December.Harford Bank Ownership Allocation
The market capitalization of Harford Bank is $47.38 Million. Harford Bank retains 10.49 (percent) of its outstanding shares held by insiders and 0.0 (percent) owned by outside corporations. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.Harford Bank Profitability Analysis
The company reported the previous year's revenue of 19.56 M. Net Income was 5.34 M with profit before overhead, payroll, taxes, and interest of 19.56 M.Harford Bank Past Distributions to stockholders
About Harford Bank Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Harford Bank. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Harford Bank based exclusively on its fundamental and basic technical indicators. By analyzing Harford Bank's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Harford Bank's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Harford Bank. We calculate exposure to Harford Bank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Harford Bank's related companies.Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland. Harford Bank operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 81 people.
8 Steps to conduct Harford Bank's Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Harford Bank's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Harford Bank's valuation analysis, follow these 8 steps:- Gather financial information: Obtain Harford Bank's financial statements, including balance sheets, income statements, and cash flow statements.
- Determine Harford Bank's revenue streams: Identify Harford Bank's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research Harford Bank's industry and market trends, including the size of the market, growth rate, and competition.
- Establish Harford Bank's growth potential: Evaluate Harford Bank's management, business model, and growth potential.
- Determine Harford Bank's financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Harford Bank's estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
A single share of Harford Bank represents a small ownership stake in the entity. As a stockholder of Harford, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Harford Bank Dividends Analysis For Valuation
Please note that Harford Bank has scaled down on payment of dividends at this time.
There are various types of dividends Harford Bank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Harford shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Harford Bank directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Harford pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Harford Bank by the value of the dividends paid out.
Harford Bank Growth Indicators
Investing in growth stocks can be very risky. If the company such as Harford Bank does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 1.4 M | |
| Retained Earnings | 17.7 M |
Other Information on Investing in Harford Pink Sheet
Harford Bank financial ratios help investors to determine whether Harford Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Harford with respect to the benefits of owning Harford Bank security.