Harleysville Financial Corporation (HARL)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 25 | 26 | 27 | 33 | 28 | 30 | 35 | - |
| Operating profit | $m | 12 | 16 | ||||||
| Net profit | $m | 7 | 7 | 9 | 12 | 9 | 10 | 12 | - |
| EPS reported | $ | 2.61 | 3.39 | ||||||
| Operating cashflow per share | $ | 2.73 | 2.76 | ||||||
| Capex per share | $ | 0.11 | 0.11 | ||||||
| FCF per share | $ | 2.62 | 2.65 | ||||||
| Free cash flow | $m | 9 | 9 | ||||||
| Net debt | $m | 146 | -14 | ||||||
| Book value equity | $m | 91 | 95 | ||||||
| Book value per share | $ | 24.81 | 26.70 | ||||||
| Number of shares | m | 3.65 | 3.58 | ||||||
| DPS (TTM paid) | $ | 1.32 | 1.38 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.32 | 9.84 | ||||||
| P/B LTM | x | 0.97 | 0.92 | ||||||
| P/S LTM | x | 2.96 | 2.54 | ||||||
| P/FCF LTM | x | 9.27 | 9.27 | ||||||
| EV/EBITDA LTM | x | 18.13 | 14.15 | ||||||
| EV/Sales LTM | x | 5.38 | 1.96 | ||||||
| Earnings Yield LTM | % | +10.73% | +10.16% | ||||||
| FCF Yield | % | +10.79% | +10.79% | ||||||
| Quality | |||||||||
| ROE | % | +10.53% | +13.19% | ||||||
| ROIC | % | +3.73% | +4.87% | ||||||
| Operating margin | % | +28.44% | +32.40% | ||||||
| Gross margin | % | +67.75% | +69.58% | ||||||
| FCF/Sales | % | +21.72% | +19.13% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +7.41% | +39.51% | ||||||
| Sales Growth YoY | % | +6.42% | +23.95% | ||||||
| Net Income Growth YoY | % | +7.61% | +38.77% | ||||||
| FCF Growth | % | +23.73% | +23.73% | ||||||
| Operating Profit Growth | % | +9.08% | +41.16% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.36% | +4.35% | ||||||
| Dividend Growth | % | +6.45% | +11.29% | ||||||
| Payout Ratio | % | +49.38% | +49.35% | ||||||
| FCF/Debt | x | 0.06 | - | ||||||
| Net Debt/EBITDA | x | 11.35 | -0.86 | ||||||
| EBIT/Net interest | x | 0.89 | 1.07 | ||||||
| Net debt/market cap | % | +1.77% | 0.00% | ||||||
| Net debt/Equity | x | 1.61 | -0.15 | ||||||
| Gross debt/equity | x | 1.72 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 accounts, as well as certificates of deposits. It also provides loan products, such as mortgage, home equity, savings account, business term, and commercial real estate loans, as well as line of credit. In addition, the company offers business banking services comprising priority online banking, positive pay fraud prevention, business bill payment, mobile banking, access 24 telephone banking, business debit mastercard, priority remote deposit, automated clearing house processing, sweep account, zero balance account, other cash management, and employee services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as a range of products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Additionally, the company offers online banking and bill pay; mobile banking; debit card; tuition rewards; and telephone banking and direct deposit. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. The company was founded in 1915 and is headquartered in Harleysville, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Harleysville Financial Corporation (HARL)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 accounts, as well as certificates of deposits. It also provides loan products, such as mortgage, home equity, savings account, business term, and commercial real estate loans, as well as line of credit. In addition, the company offers business banking services comprising priority online banking, positive pay fraud prevention, business bill payment, mobile banking, access 24 telephone banking, business debit mastercard, priority remote deposit, automated clearing house processing, sweep account, zero balance account, other cash management, and employee services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as a range of products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Additionally, the company offers online banking and bill pay; mobile banking; debit card; tuition rewards; and telephone banking and direct deposit. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. The company was founded in 1915 and is headquartered in Harleysville, Pennsylvania.
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