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Harleysville Savings Bank (HARL)
OTHER OTC:HARL
US Market
HARL
Harleysville Savings Bank
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Harleysville Savings Bank (HARL) Ratios

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Harleysville Savings Bank Ratios

HARL's free cash flow for Q3 2026 was $0.70. For the 2026 fiscal year, HARL's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.
Ratios
TTM
Sep 25Sep 24Sep 23Sep 22
Liquidity Ratios
Current Ratio
 0.02 0.02 0.02 0.25 0.19
Quick Ratio
 0.02 0.02 0.02 0.50 0.19
Cash Ratio
 0.02 0.01 0.01 0.20 0.18
Solvency Ratio
 0.01 0.01 0.01 0.02 0.01
Operating Cash Flow Ratio
 0.01 0.01 0.01 0.23 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.14 0.18 0.23 0.74
Net Current Asset Value
$ -853.52M$ -825.45M$ -763.53M$ -741.81M$ -681.23M
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.17 0.12 0.12 0.07
Debt-to-Equity Ratio
 0.00 1.72 1.18 1.12 0.73
Debt-to-Capital Ratio
 0.00 0.63 0.54 0.53 0.42
Long-Term Debt-to-Capital Ratio
 0.00 0.48 0.40 0.34 0.36
Financial Leverage Ratio
 10.09 10.25 9.96 9.66 10.75
Debt Service Coverage Ratio
 0.86 0.12 0.16 0.23 0.52
Interest Coverage Ratio
 1.07 0.89 0.91 4.22 3.64
Debt to Market Cap
 0.00 1.77 1.28 1.17 0.65
Interest Debt Per Share
 4.18 46.91 31.53 27.58 17.49
Net Debt to EBITDA
 -0.86 11.35 7.77 5.19 -6.10
Profitability Margins
Gross Profit Margin
69.58%67.75%68.93%89.51%88.66%
EBIT Margin
32.40%28.44%28.15%44.32%37.93%
EBITDA Margin
33.47%29.65%29.43%45.62%39.96%
Operating Profit Margin
32.40%28.44%28.15%44.32%37.93%
Pretax Profit Margin
32.40%28.44%28.15%44.32%37.93%
Net Profit Margin
24.82%21.86%21.94%33.09%29.00%
Continuous Operations Profit Margin
24.82%21.86%21.94%33.09%29.00%
Net Income Per EBT
76.61%76.88%77.93%74.66%76.45%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.28%1.03%1.03%1.45%0.96%
Return on Equity (ROE)
13.19%10.53%10.22%14.02%10.36%
Return on Capital Employed (ROCE)
6.36%6.74%7.49%2.07%8.14%
Return on Invested Capital (ROIC)
4.87%3.73%4.49%6.75%5.63%
Return on Tangible Assets
1.28%1.03%1.03%1.45%0.96%
Earnings Yield
10.33%10.86%11.07%14.64%9.27%
Efficiency Ratios
Receivables Turnover
 0.00 15.61 16.65 17.02 16.37
Payables Turnover
 0.00 24.72 25.87 10.28 28.64
Inventory Turnover
 0.00 0.00 0.00 -0.30 0.00
Fixed Asset Turnover
 0.00 5.13 4.68 3.24 3.43
Asset Turnover
 0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
 -0.14 -0.06 -0.11 -0.11 -0.14
Cash Conversion Cycle
 0.00 8.61 7.82 -1.22K 9.55
Days of Sales Outstanding
 0.00 23.38 21.93 21.44 22.29
Days of Inventory Outstanding
 0.00 0.00 0.00 -1.21K 0.00
Days of Payables Outstanding
 0.00 14.77 14.11 35.50 12.74
Operating Cycle
 0.00 23.38 21.93 -1.19K 22.29
Cash Flow Ratios
Operating Cash Flow Per Share
 2.76 2.73 2.20 3.22 2.97
Free Cash Flow Per Share
 2.65 2.62 2.10 3.10 2.94
CapEx Per Share
 0.11 0.11 0.10 0.11 0.03
Free Cash Flow to Operating Cash Flow
 0.96 0.96 0.96 0.96 0.99
Dividend Paid and CapEx Coverage Ratio
 1.93 1.93 0.87 1.30 2.51
Capital Expenditure Coverage Ratio
 24.80 24.80 22.39 28.23 97.63
Operating Cash Flow Coverage Ratio
 0.00 0.06 0.08 0.12 0.18
Operating Cash Flow to Sales Ratio
 0.20 0.23 0.20 0.32 0.36
Free Cash Flow Yield
8.00%10.79%9.56%13.73%11.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.73 9.21 9.04 6.83 10.79
Price-to-Sales (P/S) Ratio
 2.39 2.01 1.98 2.26 3.13
Price-to-Book (P/B) Ratio
 1.25 0.97 0.92 0.96 1.12
Price-to-Free Cash Flow (P/FCF) Ratio
 12.50 9.27 10.46 7.28 8.68
Price-to-Operating Cash Flow Ratio
 12.05 8.89 9.99 7.03 8.59
Price-to-Earnings Growth (PEG) Ratio
 0.23 1.07 -0.34 0.17 0.51
Enterprise Value Multiple
 6.28 18.13 14.50 10.14 1.73
Enterprise Value
 104.15M 234.48M 172.36M 170.91M 20.92M
EV to EBITDA
 6.28 18.13 14.50 10.14 1.73
EV to Sales
 2.10 5.38 4.27 4.63 0.69
EV to Free Cash Flow
 10.99 24.75 22.51 14.91 1.92
EV to Operating Cash Flow
 10.55 23.75 21.50 14.38 1.90
Tangible Book Value Per Share
 26.70 25.09 23.82 23.60 22.82
Shareholders’ Equity Per Share
 26.70 25.09 23.82 23.60 22.82
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.22 0.25 0.24
Revenue Per Share
 13.85 12.08 11.10 10.00 8.15
Net Income Per Share
 3.44 2.64 2.43 3.31 2.36
Tax Burden
 0.77 0.77 0.78 0.75 0.76
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.28 0.29 0.30 0.35
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.00 <0.01 <0.01
Income Quality
 0.80 1.04 0.90 0.97 1.26
Currency in USD