Harford Bank
HFBK · OTC
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $9,584 | $9,523 | $9,014 | $9,463 |
| % Growth | 0.6% | 5.6% | -4.7% | – |
| Cost of Goods Sold | $2,956 | $3,161 | $2,978 | $2,602 |
| Gross Profit | $6,628 | $6,362 | $6,036 | $6,861 |
| % Margin | 69.2% | 66.8% | 67% | 72.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $2,741 | $2,797 | $2,982 | $2,597 |
| SG&A Expenses | $2,809 | $2,879 | $3,036 | $2,639 |
| Sales & Mktg Exp. | $68 | $82 | $53 | $42 |
| Other Operating Expenses | $1,380 | $1,291 | $1,048 | $1,238 |
| Operating Expenses | $4,189 | $4,170 | $4,084 | $3,877 |
| Operating Income | $2,439 | $2,193 | $1,952 | $2,984 |
| % Margin | 25.4% | 23% | 21.7% | 31.5% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $2,439 | $2,193 | $1,952 | $2,984 |
| Tax Expense | $564 | $477 | $426 | $699 |
| Net Income | $1,876 | $1,715 | $1,526 | $2,285 |
| % Margin | 19.6% | 18% | 16.9% | 24.1% |
| EPS | 1.25 | 1.14 | 1.02 | 1.53 |
| % Growth | 9.6% | 11.8% | -33.3% | – |
| EPS Diluted | 1.24 | 1.14 | 1.01 | 1.53 |
| Weighted Avg Shares Out | 1,503 | 1,500 | 1,494 | 1,489 |
| Weighted Avg Shares Out Dil | 1,514 | 1,508 | 1,503 | 1,499 |
| Supplemental Information | – | – | – | – |
| Interest Income | $9,059 | $8,981 | $8,501 | $8,964 |
| Interest Expense | $2,745 | $2,970 | $2,789 | $2,864 |
| Depreciation & Amortization | $107 | $96 | $97 | $105 |
| EBITDA | $2,546 | $2,288 | $2,049 | $3,089 |
| % Margin | 26.6% | 24% | 22.7% | 32.6% |