Harford Bank
HFBK · OTC
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $36,231 | $28,974 | $21,868 | $20,935 |
| % Growth | 25% | 32.5% | 4.5% | – |
| Cost of Goods Sold | $11,519 | $6,545 | $623 | $1,549 |
| Gross Profit | $24,712 | $22,429 | $21,244 | $19,386 |
| % Margin | 68.2% | 77.4% | 97.1% | 92.6% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $10,573 | $10,066 | $9,649 | $7,577 |
| SG&A Expenses | $10,801 | $10,290 | $9,880 | $7,751 |
| Sales & Mktg Exp. | $228 | $223 | $231 | $174 |
| Other Operating Expenses | $4,821 | $3,493 | $4,604 | $4,435 |
| Operating Expenses | $15,621 | $13,783 | $14,483 | $12,186 |
| Operating Income | $9,091 | $8,646 | $6,761 | $7,199 |
| % Margin | 25.1% | 29.8% | 30.9% | 34.4% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $9,091 | $8,646 | $6,761 | $7,199 |
| Tax Expense | $2,127 | $2,188 | $1,635 | $1,858 |
| Net Income | $6,964 | $6,458 | $5,126 | $5,341 |
| % Margin | 19.2% | 22.3% | 23.4% | 25.5% |
| EPS | 4.68 | 4.38 | 3.51 | 3.71 |
| % Growth | 6.8% | 24.8% | -5.4% | – |
| EPS Diluted | 4.65 | 4.34 | 3.49 | 3.69 |
| Weighted Avg Shares Out | 1,486 | 1,475 | 1,461 | 1,440 |
| Weighted Avg Shares Out Dil | 1,493 | 1,487 | 1,470 | 1,446 |
| Supplemental Information | – | – | – | – |
| Interest Income | $34,237 | $27,154 | $20,426 | $19,141 |
| Interest Expense | $11,433 | $5,706 | $1,078 | $1,549 |
| Depreciation & Amortization | $464 | $540 | $546 | $507 |
| EBITDA | $9,555 | $9,185 | $7,307 | $7,706 |
| % Margin | 26.4% | 31.7% | 33.4% | 36.8% |