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Harleysville Savings Bank (HARL) Ratios
Harleysville Savings Bank Ratios
HARL's free cash flow for Q4 2026 was $0.00. For the 2026 fiscal year, HARL's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Sep 26 | Sep 25 | Sep 24 | Sep 23 | Sep 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 0.02 | 0.02 | 0.25 | 0.19 |
| Quick Ratio | 0.00 | 0.02 | 0.02 | 0.50 | 0.19 |
| Cash Ratio | 0.00 | 0.01 | 0.01 | 0.20 | 0.18 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.00 | 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 | $ -880.38M | $ -825.45M | $ -763.53M | $ -741.81M | $ -681.23M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.18 | 0.17 | 0.12 | 0.12 | 0.07 |
| Debt-to-Equity Ratio | 1.77 | 1.72 | 1.18 | 1.12 | 0.73 |
| Debt-to-Capital Ratio | 0.64 | 0.63 | 0.54 | 0.53 | 0.42 |
| Long-Term Debt-to-Capital Ratio | 0.64 | 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 | 0.83 | 0.12 | 0.16 | 0.23 | 0.52 |
| Interest Coverage Ratio | 1.08 | 0.89 | 0.91 | 4.22 | 3.64 |
| Debt to Market Cap | 1.45 | 1.77 | 1.28 | 1.17 | 0.65 |
| Interest Debt Per Share | 52.39 | 46.91 | 31.53 | 27.58 | 17.49 |
| Net Debt to EBITDA | 9.66 | 11.35 | 7.77 | 5.19 | -6.10 |
| Profitability Margins | |||||
| Gross Profit Margin | 69.75% | 67.75% | 68.93% | 89.51% | 88.66% |
| EBIT Margin | 32.10% | 28.44% | 28.15% | 44.32% | 37.93% |
| EBITDA Margin | 32.10% | 29.65% | 29.43% | 45.62% | 39.96% |
| Operating Profit Margin | 32.10% | 28.44% | 28.15% | 44.32% | 37.93% |
| Pretax Profit Margin | 32.10% | 28.44% | 28.15% | 44.32% | 37.93% |
| Net Profit Margin | 24.61% | 21.86% | 21.94% | 33.09% | 29.00% |
| Continuous Operations Profit Margin | 24.61% | 21.86% | 21.94% | 33.09% | 29.00% |
| Net Income Per EBT | 76.68% | 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) | 1.27% | 1.03% | 1.03% | 1.45% | 0.96% |
| Return on Equity (ROE) | 12.86% | 10.53% | 10.22% | 14.02% | 10.36% |
| Return on Capital Employed (ROCE) | 1.66% | 6.74% | 7.49% | 2.07% | 8.14% |
| Return on Invested Capital (ROIC) | 1.27% | 3.73% | 4.49% | 6.75% | 5.63% |
| Return on Tangible Assets | 1.27% | 1.03% | 1.03% | 1.45% | 0.96% |
| Earnings Yield | 10.53% | 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 | -1220.93 | 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 | -1206.87 | 0.00 |
| Days of Payables Outstanding | 0.00 | 14.77 | 14.11 | 35.50 | 12.74 |
| Operating Cycle | 0.00 | 23.38 | 21.93 | -1185.43 | 22.29 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.00 | 2.73 | 2.20 | 3.22 | 2.97 |
| Free Cash Flow Per Share | 0.00 | 2.62 | 2.10 | 3.10 | 2.94 |
| Dividend Paid and CapEx Coverage Ratio | 0.00 | 1.93 | 0.87 | 1.30 | 2.51 |
| Capital Expenditure Coverage Ratio | 0.00 | 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 | 0.00 | 0.23 | 0.20 | 0.32 | 0.36 |
| Free Cash Flow Yield | 0.00% | 10.79% | 9.56% | 13.73% | 11.52% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.50 | 9.21 | 9.04 | 6.83 | 10.79 |
| Price-to-Sales (P/S) Ratio | 2.34 | 2.01 | 1.98 | 2.26 | 3.13 |
| Price-to-Book (P/B) Ratio | 1.22 | 0.97 | 0.92 | 0.96 | 1.12 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 0.00 | 9.27 | 10.46 | 7.28 | 8.68 |
| Price-to-Operating Cash Flow Ratio | 0.00 | 8.89 | 9.99 | 7.03 | 8.59 |
| Price-to-Earnings Growth (PEG) Ratio | 0.29 | 1.07 | -0.34 | 0.17 | 0.51 |
| Enterprise Value Multiple | 16.94 | 18.13 | 14.50 | 10.14 | 1.73 |
| Enterprise Value | 275.00M | 234.48M | 172.36M | 170.91M | 20.92M |
| EV to EBITDA | 16.94 | 18.13 | 14.50 | 10.14 | 1.73 |
| EV to Sales | 5.44 | 5.38 | 4.27 | 4.63 | 0.69 |
| EV to Free Cash Flow | 0.00 | 24.75 | 22.51 | 14.91 | 1.92 |
| EV to Operating Cash Flow | 0.00 | 23.75 | 21.50 | 14.38 | 1.90 |
| Tangible Book Value Per Share | 27.14 | 25.09 | 23.82 | 23.60 | 22.82 |
| Shareholders’ Equity Per Share | 27.14 | 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 | 14.18 | 12.08 | 11.10 | 10.00 | 8.15 |
| Net Income Per Share | 3.49 | 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 | 0.00 | 0.01 | 0.00 | 0.01 | 0.01 |
| Income Quality | 0.00 | 1.04 | 0.90 | 0.97 | 1.26 |
Currency in USD
