Harford Bank

Harford Bank EBIT Margin

The EBIT Margin (Operating Margin) of Harford Bank (HFBK) as of Oct 28, 2026 is 23.98 %. In the previous year, EBIT Margin (Operating Margin) was 25.09 % — a change of -4.41% (lower).

EBIT Margin

23.98 %

YoY

-4.41%

Last updated:

EBIT Margin (Operating Margin) of Harford Bank is 2025 23.98 % . EBIT Margin (Operating Margin) of Harford Bank was 2024 25.09 % . It decreases by -4.41% lower compared to the previous year.

For Harford Bank, the operating (EBIT) margin of 24.0% is down versus 34.4% a few years ago.

The Harford Bank EBIT Margin history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EBIT Margin
Date
EBIT Margin
Jan 1, 2018
26.31 USD
Jan 1, 2019
25.38 USD
Jan 1, 2020
21.61 USD
Jan 1, 2021
34.39 USD
Jan 1, 2022
30.92 USD
Jan 1, 2023
29.84 USD
Jan 1, 2024
25.09 USD
Jan 1, 2025
23.98 USD
The Harford Bank EBIT Margin history
YEAREBIT MarginYoY
23.98 %-4.41%
25.09 %-15.91%
29.84 %-3.49%
30.92 %-10.10%
34.39 %+59.11%
21.61 %-14.83%
25.38 %-3.55%
26.31 %+11.90%
23.51 %+14.21%
20.59 %-13.75%
23.87 %-35.83%
37.20 %+12,407.51%
0.30 %+21.54%
0.24 %-0.45%
0.25 %-8.26%
0.27 %-3.71%
0.28 %+4.78%
0.27 %—

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Harford Bank Stock analysis

What does Harford Bank do? Harford Bank offers a full range of banking services including checking accounts, savings accounts, money market accounts, and certificates of deposit to individuals and businesses in Harford County, Maryland, and neighboring counties. The Bank provides deposit services, mobile banking, drive-through banking, automated teller machine services, online banking with bill payment, cash management services, commercial account remote deposit capture, safe deposit boxes, and direct deposit of payroll and social security checks. Its eight banking offices in Harford County and two in Cecil County serve consumers and commercial entities as a state-chartered community bank. The Bank's primary customers are individuals, businesses, and governmental units within its service area. It generates revenue through standard banking products such as deposit services, loan interest, and transaction fees associated with its banking services. The company’s main office in Aberdeen, Maryland, supports its eight offices in Harford County and two in Cecil County, serving the local community with tailored financial solutions. Harford Bank is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Harford Bank stock

EBIT Margin (Operating Margin) of Harford Bank is 23.98 % in 2025.

EBIT Margin (Operating Margin) of Harford Bank changed from 25.09 % to 23.98 %, representing a -4.41% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EBIT Margin (Operating Margin) Harford Bank since 2006 – with annual values, charts, and detailed analysis.

EBIT Margin measures operating profitability as a percentage of revenue. It shows how much profit a company makes from operations before interest and taxes.

A 'good' varies by industry and company stage. On Eulerpool, you can compare EBIT Margin (Operating Margin)'s Harford Bank with sector peers and the industry average to assess whether it is attractive.

To evaluate EBIT Margin (Operating Margin)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EBIT Margin (Operating Margin).

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Margins — Harford Bank

Gross MarginEBIT MarginEBITDA MarginNet MarginFCF MarginR&D / RevenueTax RatePayout RatioPre-Tax MarginOCF MarginSGA/RevenueOpEx/RevenueReinvestment Rate

All Key Metrics — Harford Bank