HARL Stock Overview

Operates as the bank holding company for Harleysville Bank that provides banking products and services in Pennsylvania. More details

HARL fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 53.1% below our estimate of its fair value

Pays a high and reliable dividend of 10.99%

Risk Analysis

Does not have a meaningful market cap ($81M)

My Notes

Capture your thoughts, links and company narrative

Harleysville Financial Corporation Competitors

InsCorp

OTCPK:IBTN

US$75.2m

Katahdin Bankshares

OTCPK:KTHN

US$81.9m

Southern Michigan Bancorp

OTCPK:SOMC

US$87.9m

Adirondack Trust

OTCPK:ADKT

US$88.4m

Price History & Performance

Summary of share price highs, lows and changes for Harleysville Financial
Historical stock prices
Current Share Price	US$22.20
52 Week High	US$23.50
52 Week Low	US$20.55
Beta	0.30
1 Month Change	-0.22%
3 Month Change	-1.33%
1 Year Change	-7.38%
3 Year Change	-12.77%
5 Year Change	-7.50%
Change since IPO	1,319.77%

Recent updates

Shareholder Returns

	HARL	US Banks	US Market
7D	0.8%	-3.4%	-2.2%
1Y	-7.4%	29.3%	23.9%

Return vs Industry: HARL underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: HARL underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is HARL's price volatile compared to industry and market?
HARL volatility
HARL Average Weekly Movement	3.1%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: HARL has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: HARL's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1915	n/a	Brendan McGill	www.harleysvillebank.com

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.

Harleysville Financial Corporation Fundamentals Summary

How do Harleysville Financial's earnings and revenue compare to its market cap?
HARL fundamental statistics
Market cap	US$80.52m
Earnings (TTM)	US$8.86m
Revenue (TTM)	US$27.84m

9.1x

P/E Ratio

0.9x

P/B Ratio

Is HARL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HARL income statement (TTM)
Revenue	US$27.84m
Cost of Revenue	US$0
Gross Profit	US$27.84m
Other Expenses	US$18.98m
Earnings	US$8.86m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.44
Gross Margin	100.00%
Net Profit Margin	31.83%
Debt/Equity Ratio	118.0%

How did HARL perform over the long term?

See historical performance and comparison

Dividends

11.0%

Current Dividend Yield

51%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 10:13
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Harleysville Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution