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Harleysville Savings Bank
(OTC:HARL)
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Rating:73Outperform
Price Target:
$40.00
â–²(15.98% Upside)
Action:Reiterated
Date:08/18/26
The score is driven primarily by solid financial performance (steady multi-year revenue growth and generally good earnings quality) and attractive valuation (low P/E and a healthy dividend yield). The main constraints are increased leverage and weaker recent cash coverage, while technically the uptrend is strong but signals are very overextended, raising pullback risk.
Positive Factors
Multi-year revenue growth
The sustained revenue increase indicates durable business expansion rather than a single-period improvement. Continued growth provides a stronger base for future earnings, supports operating scale, and suggests the bank has maintained demand across multiple years.
Negative Factors
Rising leverage
The sharp increase in leverage reduces balance-sheet flexibility and can amplify sensitivity to credit losses, funding costs, or weaker operating conditions. Higher debt also limits the financial capacity available for growth, distributions, or unexpected stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue growth
The sustained revenue increase indicates durable business expansion rather than a single-period improvement. Continued growth provides a stronger base for future earnings, supports operating scale, and suggests the bank has maintained demand across multiple years.
Read all positive factors
Harleysville Savings Bank (HARL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$128.52M
Dividend Yield4.01%
Average Volume (3M)1.48K
Price to Earnings (P/E)9.9
Beta (1Y)>-0.01
Revenue Growth16.96%
EPS Growth42.44%
CountryUS
Employees128
SectorGeneral
Sector StrengthN/A
IndustryBanks
Share Statistics
EPS (TTM)3.42
Shares Outstanding3,780,000
10 Day Avg. Volume1,958
30 Day Avg. Volume1,476
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 Cap1.88
Enterprise Value/Revenue4.88
Enterprise Value/Gross Profit7.01
Enterprise Value/Ebitda14.57
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
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Harleysville Savings Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 49.53M | 43.61M | 40.39M | 36.94M | 30.31M | 30.50M |
| Gross Profit | 34.46M | 29.55M | 27.84M | 33.06M | 26.87M | 25.28M |
| EBITDA | 16.58M | 12.93M | 11.89M | 16.85M | 12.11M | 10.53M |
| Net Income | 12.29M | 9.53M | 8.86M | 12.22M | 8.79M | 7.28M |
Balance Sheet | ||||||
| Total Assets | 963.27M | 928.04M | 862.99M | 842.27M | 912.13M | 892.64M |
| Cash, Cash Equivalents and Short-Term Investments | 14.26M | 9.22M | 10.34M | 11.08M | 140.21M | 206.93M |
| Total Debt | 0.00 | 155.41M | 102.27M | 98.05M | 61.86M | 77.56M |
| Total Liabilities | 867.78M | 837.47M | 776.30M | 755.06M | 827.29M | 811.94M |
| Stockholders Equity | 95.49M | 90.58M | 86.69M | 87.21M | 84.84M | 80.70M |
Cash Flow | ||||||
| Free Cash Flow | 9.47M | 9.47M | 7.66M | 11.46M | 10.92M | 9.05M |
| Operating Cash Flow | 9.87M | 9.87M | 8.02M | 11.88M | 11.03M | 9.19M |
| Investing Cash Flow | -65.70M | -65.70M | -20.71M | -55.19M | -90.39M | 50.40M |
| Financing Cash Flow | 54.57M | 54.57M | 12.02M | -81.80M | 9.31M | 30.95M |
Harleysville Savings Bank Technical Analysis
Positive
34.49
Price Trends
31.84
Positive
29.76
Positive
27.49
Positive
Market Momentum
0.64
Positive
59.19
Neutral
31.14
Neutral
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 34.49 is above the 20-day moving average (MA) of 33.97, above the 50-day MA of 31.84, and above the 200-day MA of 27.49, indicating a bullish trend. The MACD of 0.64 indicates Positive momentum. The RSI at 59.19 is Neutral, neither overbought nor oversold. The STOCH value of 31.14 is Neutral, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $92.47M | 11.01 | 9.10% | 4.07% | 4.58% | 26.05% | |
76 Outperform | $136.50M | 15.52 | 5.91% | 2.07% | 5.96% | 49.37% | |
73 Outperform | $128.52M | 9.94 | 13.19% | 4.01% | 16.96% | 42.44% | |
56 Neutral | $99.14M | -24.96 | -1.08% | 2.53% | -7.07% | -307.72% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
HARL
Harleysville Savings Bank
34.00
10.80
46.56%
AUBN
Auburn National Bancorporation
26.54
-0.06
-0.21%
LSBK
Lake Shore Bancorp
17.38
4.61
36.12%
PBHC
Pathfinder Bancorp
15.79
1.09
7.45%
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.