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Harleysville Financial Corporation (HARL)

USD29.10 +0.20 (+0.69%)
US OTC Financial Services Banks
Address 271 Main Street 19438
Harleysville, PA, US
CEO Brendan J. McGill
IPO 1987-09-03
ISIN US41284E1001

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD29.10 +0.20 (+0.69%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.1K
Beta
0.19
Float Shares
3.28M
Free Float %
91.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.05% +4.73% +6.47% +18.28% +12.94% +29.26% +24.73% +11.41% +55.68% +1,574.42%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
29.10
DCF (Unlevered) 74.69 +156.7%
DCF (Levered) 75.84 +160.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.19
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Banks: +13.8%
    +8.0% Q1'26: +27.5% (vs Q1'25)
  • EPS growth Banks: +25.1%
    +7.4% Q1'26: +79.7% (vs Q1'25)
  • FCF margin FCF growth · Banks: +75.8%
    -9.7% Q1'26: +71.3% (vs Q1'25)
  • EBIT margin Banks: +27.6%
    +28.4% Q1'26: +36.4% (vs Q1'25)
  • ROIC Banks: +1.1%
    +4.0% Q1'26: +6.5% (vs Q1'25)
  • Share dilution Banks: +0.1%
    +0.1% Q1'26: -0.6% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Banks: 1.37×
    12.22× Q1'26: 7.76× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 40% × Ke + 60% × Kd (8.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 74.69 Current price: 29.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-22 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-21 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-20 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-18 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-15 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-13 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-12 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-11 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-06 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-05-05 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-05-04 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-05-01 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-29 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-28 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-27 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-24 A- 4/5 5/5 4/5 4/5 1/5 4/5 3/5
2026-04-23 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-22 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-21 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-20 A 4/5 5/5 4/5 5/5 1/5 4/5 3/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 A- 4/5 5/5 4/5 5/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
9.78M
OE per share TTM
2.63
Owner's Yield
9.48%
Maintenance CapEx ratio
1.52%
Maint CapEx / Avg PPE
28.0%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
2
Total invested
1.39M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
2
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 ETHOS FINANCIAL GROUP, LLC 42.9K +— (+0.0%) 1.15M +57.9K (+5.3%) 1.20% +0.001 pp 0.08% +0.003 pp USD24.32 +10.4% 3 qtrs
2 FCA CORP /TX 8.7K +— (+0.0%) 232.9K +11.7K (+5.3%) 0.24% +0.000 pp 0.07% +0.003 pp USD24.32 +10.4% 3 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 6 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
96.9K
Shares Outstanding
3.58M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Brendan J. McGill Vice Chairman, President & Chief Executive Officer 540.9K male
Stephen J. Kopenhaver Senior Vice President & Chief Lending Officer 321.4K male
Shane Michalak Senior Vice President & Chief Financial Officer 257.1K male
Adrian D. Gordon Senior Vice President, Chief Information Officer & Corporate Secretary 109.7K male
Sheri L. Strouse Senior Vice President & Chief Retail Officer 102.9K female
Kim A. Licata Vice President & Loan Customer Service Manager of Harleysville Savings Bank female
Patricia Swan Vice President & Human Resources Manager of Harleysville Savings Bank female
Scott Little Vice President & Commercial Loan Officer of Harleysville Savings Bank
Jean Wieder Vice President & Business Services Specialist of Harleysville Savings Bank
James J. Garrity General Counsel
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits