Harleysville Financial (HARL) Stock Price, News & Analysis

Company Overview

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides various 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 consumer loans, including residential mortgages, savings account loans, and home equity line of credit, construction, and non-real estate consumer loans; and commercial loans, such as commercial mortgages, line of credit, and commercial business loans. In addition, the company offers online banking and bill payment, mobile and telephone banking, remote deposit, debit cards, automated clearing house processing, sweep accounts, zero balance accounts, employee services, and other cash management 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 offers investment 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. Its primary market area includes Montgomery County and Bucks County. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. Harleysville Financial Corporation was founded in 1915 and is headquartered in Harleysville, Pennsylvania.

Key Stats

• Today's Range: $22.48 to $22.62
• 50-Day Range: $22.00 to $23.00
• 52-Week Range: $20.55 to $23.50
• Volume: 967 shs
• Average Volume: 591 shs
• Market Capitalization: $82.11 million
• P/E Ratio: 9.88
• Dividend Yield: 5.48%
• Price Target: N/A
• Consensus Rating: N/A

Harleysville Financial Stock Analysis - MarketRank™

Harleysville Financial scored higher than 54% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Harleysville Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Harleysville Financial is 9.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 111.71.

Price to Earnings Ratio vs. Sector

The P/E ratio of Harleysville Financial is 9.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.44.

Price to Book Value per Share Ratio

Harleysville Financial has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of Harleysville Financial have been sold short.

Short Interest Ratio / Days to Cover

Harleysville Financial has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Harleysville Financial is a leading dividend payer. It pays a dividend yield of 5.52%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Harleysville Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Harleysville Financial is 54.15%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of Harleysville Financial have been sold short.

Short Interest Ratio / Days to Cover

Harleysville Financial has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.8 / 5
• News Sentiment: N/A

News Sentiment

Harleysville Financial has a news sentiment score of 1.07. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Harleysville Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Harleysville Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.50% of the stock of Harleysville Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 1.20% of the stock of Harleysville Financial is held by institutions.

HARL Stock Analysis - Frequently Asked Questions

How have HARL shares performed this year?

Harleysville Financial's stock was trading at $22.20 at the start of the year. Since then, HARL stock has increased by 1.9% and is now trading at $22.62.
View the best growth stocks for 2025 here.

How were Harleysville Financial's earnings last quarter?

Harleysville Financial Co. (OTCMKTS:HARL) released its earnings results on Wednesday, January, 22nd. The bank reported $0.55 EPS for the quarter. Harleysville Financial had a net margin of 20.43% and a trailing twelve-month return on equity of 9.74%.

How do I buy shares of Harleysville Financial?

Shares of HARL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Harleysville Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Harleysville Financial investors own include Univest Financial (UVSP), Aflac (AFL), Cinemark (CNK), Cheniere Energy (LNG), SLR Investment (SLRC), AT&T (T) and Teekay LNG Partners (TGP-PA).

Company Calendar

• Ex-Dividend for 11/13 Dividend: 10/30/2024
• Dividend Payable: 11/13/2024
• Last Earnings: 1/22/2025
• Today: 1/30/2025
• Ex-Dividend for 2/19 Dividend: 2/05/2025
• Dividend Payable: 2/19/2025
• Next Earnings (Estimated): 4/15/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:HARL
• CUSIP: N/A
• CIK: 1107160
• Web: www.harleysvillesavings.com
• Phone: (215) 256-8828
• Fax: 215-256-0510
• Employees: 81
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $2.29
• Trailing P/E Ratio: 9.88
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $2.05 million
• Net Margins: 20.43%
• Pretax Margin: 24.67%
• Return on Equity: 9.74%
• Return on Assets: 0.97%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $40.39 million
• Price / Sales: 2.03
• Cash Flow: $2.46 per share
• Price / Cash Flow: 9.20
• Book Value: $23.88 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 3,630,000
• Free Float: 3,102,000
• Market Cap: $82.11 million
• Optionable: Not Optionable
• Beta: 0.34