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Harford Bank (HFBK) Fair Value & Analysis

Financial Services · US · Market cap $65.4M

Price$43.27
Fair Value$60.82
Upside+40.6%
Quality95/100
Evidence: High Range $45.61 – $76.02

Fair value as of: Jun 26, 2026

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Analysis

Harford Bank (HFBK) currently trades at $43.27, while our model-based Fair Value estimate is $60.82 — implying the stock looks roughly 40.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 pa…

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Frequently asked questions

Is Harford Bank (HFBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $60.82 versus a price of $43.27 — about +41% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HFBK?
Our 21-model fair value for Harford Bank is $60.82 (as of Jun 26, 2026), built from audited fundamentals. The current price is $43.27.
What is the quality score of HFBK?
Harford Bank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.