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Harleysville Savings Bank (HARL) Price & Analysis

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HARL Stock Chart & Stats

$25.63

-$0.31(-1.38%)

At close: Jan 08 4:00 PM EST

$25.63

-$0.31(-1.38%)

Day’s Range― - ―

52-Week Range$22.49 - $31.99

Previous CloseN/A

Volume269.00

Average Volume (3M)1.25K

Market Cap

$116.42M

Enterprise Value$241.58M

Total Cash (Recent Filing)$9.22M

Total Debt (Recent Filing)$158.00M

Price to Earnings (P/E)8.9

Beta0.09

Next Earnings

Oct 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield5.22%

Share Statistics

EPS (TTM)2.64

Shares Outstanding3,780,000

10 Day Avg. Volume1,736

30 Day Avg. Volume1,253

Financial Highlights & Ratios

PEG Ratio1.07

Price to Book (P/B)0.97

Price to Sales (P/S)2.01

P/FCF Ratio9.27

Enterprise Value/Market Cap2.07

Enterprise Value/Revenue5.54

Enterprise Value/Gross Profit8.18

Enterprise Value/Ebitda18.68

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Multi-year Revenue GrowthA steady revenue increase from ~$32.2M (2020) to ~$43.6M (2025) signals durable top-line expansion driven by loan and deposit growth in the local market. This trend supports sustainable net interest income and provides a multi-year base for earnings and reinvestment.

Healthy Margins And ProfitabilityNet margins around ~22% in 2024–2025 indicate the bank retains strong earnings per dollar of revenue, reflecting pricing power and operating efficiency. Sustained margins support internal capital generation and dividend capacity over the medium term.

Consistent Cash GenerationFree cash flow roughly matching net income shows high cash conversion quality, implying operating earnings translate into real cash available for lending, dividends, or debt reduction. This durability underpins capital allocation flexibility despite periodic drops.

Bears Say

Rising LeverageA sharp increase in leverage (debt-to-equity ~1.77 in 2025) materially reduces balance-sheet flexibility and raises vulnerability to interest-rate or credit shocks. Higher debt levels constrain capital actions and increase funding risk for a community bank model.

Weaker Recent Cash CoverageAlthough FCF generally tracked earnings, the drop in 2024 and much lower cash coverage in 2024–2025 reduce the cushion for unexpected losses or funding stress. Lower coverage makes sustaining dividends, loan growth, or debt repayment more challenging.

Inconsistent Earnings PowerProfitability volatility versus steady revenue suggests margin compression or episodic items affecting net income. This inconsistency complicates forecasting of core earnings and capital generation, limiting predictability for investors and management planning.

HARL FAQ

What was Harleysville Savings Bank’s price range in the past 12 months?

Harleysville Savings Bank lowest stock price was $22.49 and its highest was $31.99 in the past 12 months.

What is Harleysville Savings Bank’s market cap?

Harleysville Savings Bank’s market cap is $116.42M.

When is Harleysville Savings Bank’s upcoming earnings report date?

Harleysville Savings Bank’s upcoming earnings report date is Oct 21, 2026 which is in 110 days.

How were Harleysville Savings Bank’s earnings last quarter?

Harleysville Savings Bank released its earnings results on Apr 15, 2026. The company reported $1.056 earnings per share for the quarter, beating the consensus estimate of N/A by $1.056.

Is Harleysville Savings Bank overvalued?

According to Wall Street analysts Harleysville Savings Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Harleysville Savings Bank pay dividends?

Harleysville Savings Bank pays a Quarterly dividend of $0.35 which represents an annual dividend yield of 5.22%. See more information on Harleysville Savings Bank dividends here

What is Harleysville Savings Bank’s EPS estimate?

Harleysville Savings Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Harleysville Savings Bank have?

Harleysville Savings Bank has 3,780,000 shares outstanding.

What happened to Harleysville Savings Bank’s price movement after its last earnings report?

Harleysville Savings Bank reported an EPS of $1.056 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.363%.

Which hedge fund is a major shareholder of Harleysville Savings Bank?

Currently, no hedge funds are holding shares in HARL

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Harleysville Savings Bank Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

12.97%

Trailing 12-Months

Asset Growth

9.90%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Harleysville Savings Bank

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.