Harleysville Savings Bank (HARL) AI Stock Analysis

Harleysville Savings Bank

(Other OTC:HARL)

Select Model

Rating:70Outperform

Price Target:$39.00▲(16.92% Upside)

Action:reiterated

Date:08/18/26

The overall score reflects solid financial performance with consistent growth and profitability as the primary strength, supported by an appealing valuation, while higher leverage, recent cash flow softness, and a technically stretched price limit the rating to the upper-mid range.

Positive Factors

Multi-year revenue growthThe 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 leverageThe 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.

Harleysville Savings Bank (HARL) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $118.70M
Dividend Yield: 4.08%
Average Volume (3M): 1,473
Price to Earnings (P/E): 9.6
Beta (1Y): -0.01
Revenue Growth: 15.97%
EPS Growth: 31.60%
Country: US
Employees: 128
Sector: Financial
Sector Strength: 68
Industry: Banks

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 acco...

How the Company Makes Money

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Harleysville Savings Bank Financial Statement Overview

Summary

Revenue and net income show steady growth with solid margins, while rising leverage and recent operating cash flow variability introduce moderate balance sheet and execution risk.

Income Statement

72Positive

Balance Sheet

65Positive

Cash Flow

68Positive

Financial statement breakdown
Breakdown	TTM	Sep 2026	Sep 2025	Sep 2024	Sep 2023	Sep 2022
Income Statement
Total Revenue	50.57M	50.57M	43.61M	40.39M	36.94M	30.31M
Gross Profit	35.27M	35.27M	29.55M	27.84M	33.06M	26.87M
EBITDA	16.23M	16.23M	12.93M	11.89M	16.85M	12.11M
Net Income	12.45M	12.45M	9.53M	8.86M	12.22M	8.79M
Balance Sheet
Total Assets	977.19M	977.19M	928.04M	862.99M	842.27M	912.13M
Cash, Cash Equivalents and Short-Term Investments	0	0	9.22M	10.34M	11.08M	140.21M
Total Debt	171.78M	171.78M	155.41M	102.27M	98.05M	61.86M
Total Liabilities	880.38M	880.38M	837.47M	776.30M	755.06M	827.29M
Stockholders Equity	96.80M	96.80M	90.58M	86.69M	87.21M	84.84M
Cash Flow
Free Cash Flow	0	0	9.47M	7.66M	11.46M	10.92M
Operating Cash Flow	0	0	9.87M	8.02M	11.88M	11.03M
Investing Cash Flow	0	0	-65.70M	-20.71M	-55.19M	-90.39M
Financing Cash Flow	0	0	54.57M	12.02M	-81.80M	9.31M

Harleysville Savings Bank Technical Analysis

Technical Analysis SentimentPositive

Last Price33.35

Price Trends

50DMA33.54Negative

100DMA32.05Positive

200DMA29.28Positive

Market Momentum

MACD-0.00Negative

RSI51.64Neutral

STOCH89.26Negative

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 33.35 is above the 20-day moving average (MA) of 33.34, below the 50-day MA of 33.54, and above the 200-day MA of 29.28, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 51.64 is Neutral, neither overbought nor oversold. The STOCH value of 89.26 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

HARL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	77Outperform	$90.59M	10.44	9.42%	4.15%	-1.64%	21.56%
LSBK	75Outperform	$145.41M	16.69	7.78%	1.93%	4.31%	24.16%
HARL	70Outperform	$118.80M	9.61	13.14%	4.08%	15.97%	31.60%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$106.74M	-26.87	-1.08%	2.39%	-7.07%	-307.72%

* Financial Sector Average

Performance Comparison

HARL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
HARL	Harleysville Savings Bank	33.35	9.80	41.59%
AUBN	Auburn National Bancorporation	26.00	1.56	6.40%
LSBK	Lake Shore Bancorp	18.69	4.83	34.80%
PBHC	Pathfinder	17.00	2.32	15.77%

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.

Date of analysis: Aug 18, 2026

Harleysville Savings Bank AI Stock Analysis