Harleysville Savings Bank (HARL)
OTHER OTC:HARL
Want to see HARL full AI Analyst Report?
Top Page
Harleysville Savings Bank
(OTC:HARL)
Select Model
Select Model
Rating:72Outperform
Price Target:
$32.00
â–²(24.85% Upside)
Action:Reiterated
Date:01/30/26
The score is driven primarily by solid fundamentals with a clear revenue uptrend, offset by higher balance-sheet risk from rising leverage and weaker recent cash coverage. Technicals are supportive (price above major averages with positive MACD), and valuation is a strong positive due to the low P/E and high dividend yield.
Positive Factors
Multi-year revenue growth
A sustained revenue uptrend across several years indicates expanding loan and deposit activity and stronger core banking volumes. This durable top-line growth supports long-term net interest income stability and provides a growing base for fee income and reinvestment into local franchise expansion.
Negative Factors
Rising leverage
A sharp rise in leverage materially reduces balance-sheet flexibility and elevates interest and refinancing risk. Higher debt levels can compress net interest margin if funding costs rise and limit the bank's capacity to absorb credit losses or pursue opportunistic growth without issuing equity.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue growth
A sustained revenue uptrend across several years indicates expanding loan and deposit activity and stronger core banking volumes. This durable top-line growth supports long-term net interest income stability and provides a growing base for fee income and reinvestment into local franchise expansion.
Read all positive factors
Harleysville Savings Bank (HARL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.81M
Dividend Yield5.22%
Average Volume (3M)1.25K
Price to Earnings (P/E)8.8
Beta (1Y)0.09
Revenue Growth15.53%
EPS Growth43.58%
CountryUS
Employees128
SectorFinancial
Sector Strength70
IndustryBanks
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 Cap2.20
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
Harleysville Savings Bank Business Overview & Revenue Model
Company 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 a...
How the Company Makes Money
Harleysville Savings Bank primarily makes money through (1) net interest income—earning interest on loans and other interest-earning assets and paying interest on deposits and other funding sources—and (2) non-interest income from fees and service...
Harleysville Savings Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
58
Neutral
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 43.61M | 40.39M | 36.94M | 30.31M | 30.50M |
| Gross Profit | 29.55M | 27.84M | 33.06M | 26.87M | 25.28M |
| EBITDA | 12.93M | 11.89M | 16.85M | 12.11M | 10.53M |
| Net Income | 9.53M | 8.86M | 12.22M | 8.79M | 7.28M |
Balance Sheet | |||||
| Total Assets | 928.04M | 862.99M | 842.27M | 912.13M | 892.64M |
| Cash, Cash Equivalents and Short-Term Investments | 9.22M | 10.34M | 11.08M | 140.21M | 206.93M |
| Total Debt | 158.00M | 102.27M | 98.05M | 61.86M | 77.56M |
| Total Liabilities | 837.47M | 776.30M | 755.06M | 827.29M | 811.94M |
| Stockholders Equity | 90.58M | 86.69M | 87.21M | 84.84M | 80.70M |
Cash Flow | |||||
| Free Cash Flow | 9.47M | 7.66M | 11.46M | 10.92M | 9.05M |
| Operating Cash Flow | 9.87M | 8.02M | 11.88M | 11.03M | 9.19M |
| Investing Cash Flow | -65.70M | -20.71M | -55.19M | -90.39M | 50.40M |
| Financing Cash Flow | 54.57M | 12.02M | -81.80M | 9.31M | 30.95M |
Harleysville Savings Bank Technical Analysis
Positive
25.63
Price Trends
28.03
Positive
27.24
Positive
25.68
Positive
Market Momentum
0.30
Negative
67.30
Neutral
85.63
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HARL, the sentiment is Positive. The current price of 25.63 is below the 20-day moving average (MA) of 28.54, below the 50-day MA of 28.03, and below the 200-day MA of 25.68, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 67.30 is Neutral, neither overbought nor oversold. The STOCH value of 85.63 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HARL.
Harleysville Savings Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $100.89M | 12.72 | 8.78% | 4.16% | 4.30% | 20.85% | |
73 Outperform | $133.90M | 16.01 | 6.30% | 2.12% | 6.16% | 68.02% | |
72 Outperform | $109.81M | 8.82 | 12.97% | 5.22% | 15.53% | 43.58% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
50 Neutral | $102.61M | -26.24 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
HARL
Harleysville Savings Bank
29.05
8.10
38.64%
AUBN
Auburn National Bancorporation
28.88
4.92
20.53%
LSBK
Lake Shore Bancorp
17.29
5.92
52.11%
PBHC
Pathfinder Bancorp
16.40
1.48
9.90%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.