Hamilton Bancorp, Inc. (HABK) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
Beta 0.64: the stock has moved about 36% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerHamilton Bancorp, Inc. (HABK) trades at $0.0001. Sector: Financials.
Price as of · Last analyzed: Jun 15, 2026Analyst Coverage for HABK: HABK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Hamilton Bancorp, Inc. (HABK) Financial Services Profile
Hamilton Bancorp, Inc. is a regional financial institution operating as the holding company for Hamilton Bank, offering diverse deposit and lending products across five branches in the Baltimore-metropolitan area. Established in 1915, the company focuses on community banking, providing residential mortgages, commercial loans, and digital services to its local customer base.
What Is the Investment Thesis for HABK?
Hamilton Bancorp, Inc. (HABK) operates as a community-focused regional bank, leveraging its established presence and five branches in the Baltimore-metropolitan area to serve local individuals and businesses. The investment thesis centers on the potential for stable, relationship-driven growth within its defined geographic market, supported by a diversified loan portfolio spanning residential mortgages, commercial real estate, and business loans. The company's long operational history since 1915 suggests deep community ties, which can be a competitive advantage in deposit gathering and local lending. However, the company's current financial metrics present significant challenges, notably a negative Return on Equity (ROE) of -31.1%, indicating substantial unprofitability. The absence of a dividend yield further reflects its current financial state. Its Beta of 0.64 suggests lower volatility compared to the broader market, which might appeal to risk-averse investors, but this must be weighed against its operational performance and OTC market listing. Future value drivers could emerge from strategic initiatives to improve profitability, optimize its branch network, or enhance digital banking services to attract and retain customers. Given its current market capitalization of $0.00B, any turnaround or efficiency improvements could have a disproportionate impact, though the path to sustained profitability remains a critical factor for investor consideration.
Based on FMP financials and quantitative analysis
HABK Key Highlights
Hamilton Bancorp, Inc. operates as the holding company for Hamilton Bank, serving the Baltimore-metropolitan area through five branch locations.
- The company maintains a diversified loan portfolio, including residential mortgage, commercial real estate, commercial business, and consumer loans.
- Hamilton Bancorp, Inc. reported a Return on Equity (ROE) of -31.1%, indicating significant unprofitability in its operations.
- With a Beta of 0.64, the company's stock exhibits lower volatility relative to the overall market, suggesting a more stable price movement.
- The company employs 272 individuals and was founded in 1915, highlighting its long-standing presence in the financial services sector.
Who Are HABK's Competitors?
HABK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | $29.16 | -0.82% | $184M | 90 5-pillar |
| FCAP First Capital, Inc. | $63.58 | +1.08% | $210M | 89 5-pillar |
| HWBK Hawthorn Bancshares, Inc. | $38.49 | -0.35% | $267M | 90 5-pillar |
| ATLO Ames National Corporation | $31.87 | -1.51% | $287M | 91 5-pillar |
| BPRN Princeton Bancorp, Inc. | $43.73 | +0.02% | $298M | 90 5-pillar |
| CFFI C&F Financial Corporation | $99.42 | +1.14% | $321M | 91 5-pillar |
| FDBC Fidelity D & D Bancorp, Inc. | $55.48 | +0.30% | $321M | 90 5-pillar |
| NWFL Norwood Financial Corp. | $33.88 | +0.53% | $367M | 91 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HABK's Key Strengths?
Long-standing operational history since 1915, indicating deep roots and experience in the Baltimore-metropolitan market.
- Established branch network of five locations provides physical presence and accessibility for local customers.
- Diversified loan portfolio including residential, commercial real estate, business, and consumer loans, mitigating concentration risk.
- Offers modern banking services like online banking and remote deposit capture, enhancing customer convenience.
- Community-focused approach fosters strong local relationships and potentially stable deposit gathering.
What Are HABK's Weaknesses?
Significantly negative Return on Equity (ROE) of -31.1%, indicating substantial unprofitability.
- Small market capitalization of $0.00B, suggesting limited scale and potentially higher operational costs relative to larger peers.
- Trades on the OTC market, which typically implies lower liquidity and less transparency compared to major exchanges.
- No dividend yield, which may deter income-focused investors.
- Limited geographic reach confined to the Baltimore-metropolitan area, restricting growth opportunities outside this region.
What Are the Key Risks for HABK?
Negative return on equity (-31.1%) — the business is not currently generating profit on shareholder capital.
- **Significant Unprofitability:** The company's reported Return on Equity (ROE) of -31.1% indicates substantial operational losses, posing a critical risk to its financial viability and long-term sustainability.
- **Limited Liquidity and Transparency:** Trading on the 'OTC Other' market with 'Unknown' disclosure status implies low trading volume, wide bid-ask spreads, and a severe lack of public financial information, making investment highly speculative.
- **Intense Competition:** Hamilton Bancorp, Inc. faces fierce competition from larger, more resourced national and regional banks in the Baltimore-metropolitan area, potentially limiting its market share and growth prospects.
- **Interest Rate Sensitivity:** As a regional bank, the company's profitability is highly sensitive to fluctuations in interest rates, which can impact its net interest margin and the demand for its loan products.
- **Credit Quality Deterioration:** A downturn in the local economy or specific sectors within its loan portfolio could lead to increased loan defaults and higher provisions for loan losses, further impacting profitability.
What Threats Does HABK Face?
- Intense competition from larger national banks and other regional banks with greater resources and broader product offerings.
- Adverse economic conditions in the Baltimore-metropolitan area impacting loan demand, credit quality, and deposit growth.
- Fluctuations in interest rates affecting net interest margin and the profitability of lending activities.
- Increased regulatory burden and compliance costs, particularly for smaller financial institutions.
- Potential for further deterioration in asset quality or loan losses, exacerbating the current negative ROE.
What Are HABK's Competitive Advantages?
- **Local Market Expertise and Relationships:** Deep understanding of the Baltimore-metropolitan area's economic landscape, real estate market, and business community, fostered over a century of operation since 1915.
- **Community Bank Model:** Focus on personalized customer service and relationship banking, which can build strong loyalty among local individuals and small businesses, differentiating it from larger national banks.
- **Established Branch Network:** Five physical branches provide a tangible presence and accessibility for customers who prefer in-person banking interactions, reinforcing local trust and convenience.
- **Diversified Loan Portfolio:** A mix of residential, commercial, and consumer loans helps mitigate risk exposure to any single market segment and provides multiple avenues for interest income generation.
- **Customer Stickiness:** Deposit products like IRAs and certificates of deposit, along with long-term mortgage relationships, can create high switching costs and foster long-term customer retention.
What Does HABK Do?
Hamilton Bancorp, Inc. functions as the holding company for Hamilton Bank, a community-focused financial institution that delivers a comprehensive suite of banking products and services within the United States. Founded in 1915, the company has a long-standing history rooted in serving the financial needs of its local community. Headquartered in Towson, Maryland, Hamilton Bank operates through a network of five physical branches strategically located across the Baltimore-metropolitan area, ensuring accessible service for its clientele. The institution's product offerings are diverse, catering to both individual and business customers. On the deposit side, Hamilton Bank provides a variety of options, including money market accounts, statement savings accounts, NOW accounts, individual retirement accounts, and noninterest-bearing demand accounts, alongside certificates of deposit. These products are designed to meet various savings and liquidity needs. For lending, the company offers a robust portfolio of loan products. This includes residential mortgage loans, commercial real estate loans, commercial business loans, and construction loans, supporting both individual homeownership and local business development. Additionally, Hamilton Bank provides other consumer loans, home equity loans, and lines of credit, offering flexible financing solutions. Beyond traditional branch services, Hamilton Bancorp, Inc. also embraces modern banking conveniences, providing certificate of deposit account registry service (CDARS) programs, automated teller machines (ATMs), comprehensive online banking platforms, and remote deposit capture services. These digital offerings enhance customer convenience and accessibility, allowing clients to manage their finances efficiently from various locations. With 272 employees, Hamilton Bancorp, Inc. maintains a localized approach, aiming to foster strong relationships within the Baltimore community while adapting to evolving financial service demands.
What Products and Services Does HABK Offer?
- Operates as the holding company for Hamilton Bank, a regional community bank.
- Provides a variety of deposit products, including money market, savings, NOW, IRA, and noninterest-bearing demand accounts.
- Offers certificates of deposit (CDs) and participates in certificate of deposit account registry service (CDARS) programs.
- Originates residential mortgage loans for homebuyers.
- Extends commercial real estate and commercial business loans to local enterprises.
- Provides construction loans to support development projects.
- Offers consumer loans, home equity loans, and lines of credit to individuals.
- Delivers modern banking conveniences such as ATMs, online banking, and remote deposit capture services.
How Does HABK Make Money?
- Generates interest income primarily from its diverse loan portfolio, including residential mortgages, commercial real estate, commercial business, and consumer loans.
- Attracts deposits from individuals and businesses in the Baltimore-metropolitan area, which serve as a primary funding source for its lending activities.
- Earns non-interest income through various banking fees, such as service charges on deposit accounts and other transaction-based fees.
- Manages interest rate risk by balancing the rates offered on deposits with the rates charged on loans, aiming to maintain a healthy net interest margin.
- Operates through a traditional branch-based model complemented by digital banking services to serve its customer base efficiently.
What Industry Does HABK Operate In?
Hamilton Bancorp, Inc. operates within the highly competitive regional banking sector, specifically targeting the Baltimore-metropolitan area. This industry is characterized by a mix of large national banks, smaller community banks, and credit unions, all vying for deposit and lending market share. Regional banks like Hamilton Bancorp often differentiate themselves through personalized customer service, local market expertise, and community engagement, which can be crucial for attracting and retaining clients who prefer a more tailored banking experience. Current market trends include increasing adoption of digital banking services, rising interest rates impacting net interest margins, and ongoing regulatory scrutiny. The competitive landscape in Baltimore likely involves several established financial institutions, making it essential for Hamilton Bancorp to effectively leverage its local presence and service offerings. While specific market share data for Hamilton Bancorp is not provided, its five-branch network indicates a focused, localized strategy within this dynamic environment.
Who Are HABK's Key Customers?
- Individual consumers seeking deposit accounts, residential mortgages, home equity loans, and other personal banking services in the Baltimore-metropolitan area.
- Small and medium-sized businesses requiring commercial real estate loans, business loans, and commercial deposit accounts.
- Real estate developers and contractors seeking construction financing for projects within the bank's service region.
- Retirement savers utilizing individual retirement accounts (IRAs) and certificates of deposit.
- Local community members who prefer personalized service and relationship-based banking.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
Hamilton Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Towson, US. The company is led by CEO Robert DeAlmeida. HABK has traded publicly since 2013.
Key Financial Metrics
Return on equity for Hamilton Bancorp, Inc. stands at -31.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.8%, showing how much profit it generates from its asset base.
HABK Financials
HABK Latest News
No recent news available for HABK.
HABK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for HABK.
Price Targets
Wall Street price target analysis for HABK.
HABK MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for HABK; grades run from A+ (80-100) to F (below 30).
Leadership: Robert DeAlmeida
CEO
He is identified as a key leader within the company, managing its 272 employees, which indicates a significant executive role in the financial services sector. His leadership is central to the operational direction and strategic execution of Hamilton Bancorp and its subsidiary, Hamilton Bank.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Robert DeAlmeida's leadership are not detailed in the provided information. His role as a managing executive for 272 employees suggests responsibility for the company's operational performance and strategic initiatives. Any assessment of his track record would require further data on financial performance, market expansion, or significant corporate developments under his tenure.
HABK OTC Market Information
Hamilton Bancorp, Inc. trades on the 'OTC Other' tier of the OTC Markets. This tier is typically for companies that do not meet the minimum disclosure requirements for OTCQX or OTCQB, or choose not to provide financial information to the public markets. Companies in the 'OTC Other' category may not be current in their reporting with the SEC or other regulators, or they may be foreign companies that report in their home country. This tier is often associated with the highest risk due to limited public information and potential lack of regulatory oversight compared to companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing and reporting standards.
- OTC Tier: OTC Other
- **Limited Information Availability:** As an 'OTC Other' stock with an 'Unknown' disclosure status, there is a significant lack of publicly available financial and operational information, making informed investment decisions challenging.
- **Low Liquidity and Volatility:** The 'OTC Other' market typically experiences lower trading volumes and wider bid-ask spreads, which can lead to increased price volatility and difficulty in buying or selling shares at desired prices.
- **Lack of Regulatory Oversight:** Companies on the 'OTC Other' tier may not be subject to the same stringent reporting and governance standards as those on major exchanges, increasing the risk of fraud or mismanagement.
- **Difficulty in Valuation:** The absence of comprehensive and timely financial disclosures makes it extremely difficult for investors to accurately assess the company's intrinsic value and financial health.
- **Potential for Manipulation:** Lower trading volumes and less transparency can make 'OTC Other' stocks more susceptible to market manipulation schemes, posing a risk to investors.
- Verify the company's current financial statements and disclosures, if any are available through alternative channels or directly from the company.
- Research any news, press releases, or corporate actions directly from Hamilton Bancorp, Inc. or reliable third-party sources.
- Investigate the company's management team beyond the CEO, if information is available, to assess their experience and track record.
- Understand the specific regulatory environment and compliance status of Hamilton Bancorp, Inc. within the regional banking sector.
- Assess the company's operational viability and competitive position within the Baltimore-metropolitan banking market.
- Evaluate the liquidity of the stock by observing recent trading volumes and bid-ask spreads.
- Consult with a financial advisor experienced in OTC markets due to the inherent risks and complexities.
- **Long Operating History:** Founded in 1915, Hamilton Bancorp, Inc. has a century-long history, suggesting an established operational foundation.
- **Physical Branch Network:** The operation of five physical branches in the Baltimore-metropolitan area indicates a tangible business presence and customer-facing operations.
- **Identified CEO and Employee Count:** The presence of a named CEO, Robert DeAlmeida, and a specific employee count (272) suggests a structured organization.
- **Specific Banking Products and Services:** The detailed description of deposit and loan products, along with digital services, indicates a functioning banking business model.
- **Headquarters Location:** A defined headquarters in Towson, Maryland, provides a clear operational base for the company.
HABK Financials Stock FAQ
What regulatory challenges does Hamilton Bancorp, Inc. face?
As a regional bank, Hamilton Bancorp, Inc. operates within a highly regulated environment, facing oversight from multiple federal and state agencies.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- The 'disclosureLevel' for OTC Analysis was explicitly stated as 'Unknown' in the source.