HANCOCK FIRE COMPANY INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1928

Legal Domicile

Principal Officer

MICHAEL STEWART

Phone

3016787739

Tax Period

2025-01-01 to 2025-12-31

HANCOCK FIRE COMPANY INC, founded in 1928, is a community nonprofit in the Public Safety sector that reported $1.0M in total revenue in fiscal year 2025. Revenue surged 97% from the prior year, signaling strong growth momentum. The organization ran a surplus of $540K, a strong 52% operating margin.

Mission

OPERATE A VOLUNTEER FIRE DEPARTMENT FOR THE PROTECTION OF LIFE AND PROPERTY FROM FIRE.

Program Service Accomplishments

Program 1

Expenses: $489,828 Revenue: $1,029,649

OPERATE AND MAINTAIN AN ORGANIZED VOLUNTEER FIRE DEPARTMENT FOR THE PROTECTION OF LIFE AND PROPERTY ENDANGERED BY FIRE IN AN AROUND THE TOWN OF HANCOCK, MD.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $827,514

Program Service Revenue $21,230

Investment Income $53,887

Other Revenue $127,018

TOTAL REVENUE $1,029,649

Expense Breakdown

Grants Paid $0

Salaries & Benefits $23,915

Fundraising Expenses $0

Program Expenses $489,828

Other Expenses $465,913

TOTAL EXPENSES $489,828

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,029,649	$523,141	+1.0%
Expenses	$489,828	$316,957	+0.5%
Net Income	$539,821	$206,184	+1.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL STEWART	TREASURER	4.00	Officer	$0	$0	$0
RICK ROWE	PRESIDENT	4.00	Officer	$0	$0	$0
THOMAS LEACH	VICE PRESIDENT	2.00	Officer	$0	$0	$0
EVA SMITH	SECRETARY	4.00	Officer	$0	$0	$0
ROBERT HOOPENGARDNER	CHIEF	4.00	Officer	$0	$0	$0
BEN HOOPENGARDNER	DEPUTY CHIEF	4.00	Officer	$0	$0	$0
BEN BREEZE	ASSISTANT CHIEF	4.00	Officer	$0	$0	$0
CJ BARTON	CAPTAIN	4.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,029,649	$489,828	$1,786,127	$539,821
2024	$523,141	$316,957	$1,449,186	$206,184
2023	$469,568	$399,373	$1,286,866	$70,195
2022	$381,118	$316,647	$1,249,395	$64,471
2021	$429,169	$370,529	$1,268,057	$58,640
2020	$397,872	$283,044	$1,245,694	$114,828
2019	$315,764	$268,147	$1,176,573	$47,617
2018	$256,814	$254,141	$1,171,504	$2,673