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Harleysville Financial Corp (HARL)

Harleysville Financial Corp. is a bank holding company for Harleysville Bank, serving customers in Pennsylvania. Through its banking operations, the company provides deposit products such as savings, money market, and checking accounts, along with certificates of deposit. Its lending activities include mortgage, home equity, business term, and commercial real estate loans, as well as lines of credit. The company also supports business clients with online banking, cash management tools, fraud prevention services, debit card access, remote deposit, and other treasury-related services. In addition, Harleysville Financial offers wealth management and investment-related services, including financial planning, retirement and estate planning, insurance products, mutual funds, annuities, and other investment solutions. Founded in 1915 and headquartered in Harleysville, Pennsylvania, the company was previously known as Harleysville Savings Financial Corporation and adopted its current name in May 2017.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-HARL
$33.50
6.7% Upside
Fair
—
—
—
Good
July 29, 2026
August 12, 2026
1.4
4.5%
October 21, 2026
9.0x
1.2x
3.2x
110.3 M
—
56.5%
—
-1.3
—
—
Valuation • Fair Value

Harleysville Financial Corp (OTC-HARL) Fair Value by Valuation Model

Compare the primary fair value estimate for Harleysville Financial Corp (OTC-HARL) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$33.50

Estimated upside of 6.7% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$38.33

Classic Ben Graham valuation formula reference.

DDM Fair Value

$55.08

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$26.31

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Harleysville Financial Corp (OTC-HARL) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Harleysville Financial Corp (OTC-HARL)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

34.462 M

Current operating scale indicator.

Revenue Forecast

30.58 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Harleysville Financial Corp (OTC-HARL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Harleysville Financial Corp (OTC-HARL)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

4

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

Not available

Data is currently unavailable.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Harleysville Financial Corp (OTC-HARL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Harleysville Financial Corp (OTC-HARL)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

October 21, 2026

Days to Earnings

92

Dividend Payment Date

August 12, 2026

Ex-Dividend Date

July 29, 2026

Dividend Yield

4.5%

Income yield reference.

Upcoming Dividend

1.4

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Harleysville Financial Corp (OTC-HARL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Harleysville Financial Corp (OTC-HARL) Stock Forecast & Technical Outlook

Review Harleysville Financial Corp (OTC-HARL) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Harleysville Financial Corp (OTC-HARL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Harleysville Financial Corp (OTC-HARL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Harleysville Financial Corp (OTC-HARL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Harleysville Financial Corp (OTC-HARL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Harleysville Financial Corp (OTC-HARL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Harleysville Financial Corp (OTC-HARL)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Harleysville Financial Corp (OTC-HARL) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Harleysville Financial Corp (OTC-HARL) Stock FAQ

Quick answers about Harleysville Financial Corp (OTC-HARL) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$33.50
Estimated upside 6.7%
Valuation Rating
Undervalued
Estimated upside of 6.7%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Harleysville Financial Corp (OTC-HARL) is $33.50. This implies an estimated upside of 6.7% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 6.7% versus the current market price.

An analyst price target for Harleysville Financial Corp (OTC-HARL) is not currently available in the latest data file.

The current financial health read for Harleysville Financial Corp (OTC-HARL) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Harleysville Financial Corp (OTC-HARL) is October 21, 2026.

Based on the current data, dividend yield is 4.5%, upcoming dividend amount is 1.4, ex-dividend date is July 29, 2026, payment date is August 12, 2026.

The current P/E ratio listed for Harleysville Financial Corp (OTC-HARL) is 9.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Harleysville Financial Corp is 110.3 M.

The ticker symbol for Harleysville Financial Corp is OTC-HARL, and the stock is listed on OTC Markets.

Harleysville Financial Corp (OTC-HARL) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Harleysville Financial Corp is 56.5%, which helps investors evaluate the company’s financing structure and leverage profile.

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