Harford Bank
OTC:HFBK
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Harford Bank
OTC:HFBK
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US |
Intrinsic Value
The intrinsic value of Harford Bank (HFBK) under the Base Case is 80.75 USD per share.
Compared with the current market price of 44.79 USD, the stock appears
Undervalued by 45% .
The intrinsic value is calculated using the DCF method. The model mostly extends the recent record: revenue grows about 8% a year over the next five years, against 9% over the last five, and net margin stays near last year's 26%.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Harford Bank Does
Harford Bank is a community bank that takes deposits and makes loans, mainly to people and businesses in its local market. It offers checking and savings accounts, certificates of deposit, mortgage and consumer loans, and small business and commercial lending. Its customers are typically local households, small companies, real estate borrowers, and other customers who want a relationship bank with local decision-making.
- Headquarters
- United States of America US
- Employees
- 96
- IPO date
- Oct 27, 1993
The intrinsic value for Harford Bank (HFBK) under the Base Case is 80.75 USD.
Compared with the current market price of 44.79 USD, the stock appears Undervalued by 45% .