OTC · Banks

Harleysville Financial Corporation (HARL) Stock

$31.27 -0.41% OTC: HARL Financial Services

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides banking products and services in Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts, as well as certificates of deposits.

Valuation

MetricValue
Price$31.27
Market Cap$111.29M
P/E Ratio9.14
P/B Ratio1.17
P/S Ratio2.25
EPS (TTM)$3.42
52-Week High$31.49
52-Week Low$23.40
Dividend Yield4.48%

Financials & Margins

MetricValue
ROE13.19%
ROA1.28%
ROCE6.36%
Gross Margin69.58%
Operating Margin32.40%
Net Margin24.82%
Debt/Equity1.70
Current Ratio0.02

Annual Financials (USD)

Metric20212022202320242025
Revenue$30.0M$30.0M$37.0M$40.0M$44.0M
Operating Profit$10.0M$11.0M$16.0M$11.0M$12.0M
Net Profit$7.0M$9.0M$12.0M$9.0M$10.0M
EPS$1.93$2.34$3.29$2.43$2.61
Op Margin32.3%37.9%44.3%28.1%28.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$893.0M$912.0M$842.0M$863.0M$928.0M
Total Liabilities$812.0M$827.0M$755.0M$776.0M$837.0M
Cash$206.0M$136.0M$11.0M$10.0M$9.0M
Borrowings$78.0M$62.0M$98.0M$102.0M$155.0M

Latest News

Harleysville Financial Corporation Announces the Approval of a 5% Stock Repurchase Program Business Wire · Jul 16, 2026 Harleysville Financial Corporation Announces Regular Cash Dividend and Third Quarter Earnings for Fiscal Year 2026 Business Wire · Jul 15, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$9.0M$11.0M$12.0M$8.0M$10.0M
Investing Cash Flow$50.0M$-90.0M$-56.0M$-21.0M$-66.0M
Financing Cash Flow$67.0M$29.0M$-109.0M$16.0M$6.0M
Net Cash Flow$91.0M$-70.0M$-125.0M$-1.0M$-1.0M
Free Cash Flow$9.0M$11.0M$11.0M$8.0M$9.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.22
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y38.86%
Return 3Y68.74%
Return 5Y82.30%

Ownership

Insiders Held0.00%
Institutions Held1.46%
Institutions Float Held1.46%
Institutional HolderSharesReport Date
Ethos Financial Group, LLC 42,9142026-03-31
FCA Corp /TX8,6752026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About Harleysville Financial Corporation

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides banking products and services in Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts, as well as certificates of deposits. It also provides loan products, such as mortgage, home equity, savings account, business term, and commercial real estate loans, as well as line of credit. In addition, the company offers business banking services comprising priority online banking, positive pay fraud prevention, business bill payment, mobile banking, access 24 telephone banking, business debit mastercard, priority remote deposit, automated clearing house processing, sweep account, zero balance account, other cash management, and employee services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as a range of products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Additionally, the company offers online banking and bill pay; mobile banking; debit card; tuition rewards; and telephone banking and direct deposit. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. The company was founded in 1915 and is headquartered in Harleysville, Pennsylvania.

Harleysville Financial Corporation is headquartered in US.

Harleysville Financial Corporation (HARL) stock trades at $31.27 with a market capitalization of $111.29M. The stock is valued at a price-to-earnings (P/E) ratio of 9.14, price-to-book of 1.17, price-to-sales of 2.25. Over the past 52 weeks the stock has ranged between $23.40 and $31.49, and currently trades at its 52-week high. It pays a dividend yielding 4.48%.

On profitability, Harleysville Financial Corporation generates a return on equity (ROE) of 13.19%, above the typical market average, return on capital employed of 6.36%, an operating margin of 32.40%, a net profit margin of 24.82%.

Official website: www.harleysvillebank.com

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