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Harleysville Savings Bank (HARL)
OTHER OTC:HARL
US Market
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Harleysville Savings Bank (HARL) Stock Statistics & Valuation Metrics

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Total Valuation

Harleysville Savings Bank has a market cap or net worth of $109.81M. The enterprise value is $241.58M.
Market Cap$109.81M
Enterprise Value$241.58M

Share Statistics

Harleysville Savings Bank has 3,780,000 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding3,780,000
Owned by Insiders
Owned by Institutions

Financial Efficiency

Harleysville Savings Bank’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 3.03%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)3.03%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee340.70K
Profits Per Employee74.48K
Employee Count128
Asset Turnover0.05
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Harleysville Savings Bank is 8.8. Harleysville Savings Bank’s PEG ratio is 1.07.
PE Ratio8.8
PS Ratio2.01
PB Ratio0.97
Price to Fair Value0.97
Price to FCF9.27
Price to Operating Cash Flow10.55
PEG Ratio1.07

Income Statement

In the last 12 months, Harleysville Savings Bank had revenue of 43.61M and earned 9.53M in profits. Earnings per share was 2.64.
Revenue43.61M
Gross Profit29.55M
Operating Income12.40M
Pretax Income12.40M
Net Income9.53M
EBITDA12.93M
Earnings Per Share (EPS)2.64

Cash Flow

In the last 12 months, operating cash flow was 9.87M and capital expenditures -398.00K, giving a free cash flow of 9.47M billion.
Operating Cash Flow9.87M
Free Cash Flow9.47M
Free Cash Flow per Share2.51

Dividends & Yields

Harleysville Savings Bank pays an annual dividend of $0.35, resulting in a dividend yield of 5.22%
Dividend Per Share$0.35
Dividend Yield5.22%
Payout Ratio64.05%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.09
52-Week Price Change38.64%
50-Day Moving Average28.03
200-Day Moving Average25.68
Relative Strength Index (RSI)67.30
Average Volume (3m)1.25K

Important Dates

Harleysville Savings Bank upcoming earnings date is Oct 21, 2026, During Market Hours (Confirmed).
Last Earnings DateApr 15, 2026
Next Earnings DateOct 21, 2026
Ex-Dividend Date

Financial Position

Harleysville Savings Bank as a current ratio of 0.02, with Debt / Equity ratio of 158.54%
Current Ratio0.02
Quick Ratio0.02
Debt to Market Cap2.44
Net Debt to EBITDA11.55
Interest Coverage Ratio0.89

Taxes

In the past 12 months, Harleysville Savings Bank has paid 2.87M in taxes.
Income Tax2.87M
Effective Tax Rate0.23

Enterprise Valuation

Harleysville Savings Bank EV to EBITDA ratio is 18.34, with an EV/FCF ratio of 25.02.
EV to Sales5.44
EV to EBITDA18.34
EV to Free Cash Flow25.02
EV to Operating Cash Flow24.02

Balance Sheet

Harleysville Savings Bank has $9.22M in cash and marketable securities with $158.00M in debt, giving a net cash position of -$148.79M billion.
Cash & Marketable Securities$9.22M
Total Debt$158.00M
Net Cash-$148.79M
Net Cash Per Share-$39.36
Tangible Book Value Per Share$25.09

Margins

Gross margin is 69.31%, with operating margin of 28.44%, and net profit margin of 21.86%.
Gross Margin69.31%
Operating Margin28.44%
Pretax Margin28.44%
Net Profit Margin21.86%
EBITDA Margin29.65%
EBIT Margin28.44%

Analyst Forecast

The average price target for Harleysville Savings Bank is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast15.53%
EPS Growth Forecast43.58%

Scores

Smart Score5
AI Score