Harleysville Savings Financial (HARL) Stock Price, News & Analysis

Company Overview

Harleysville Savings Financial Corp. is the bank holding company for Harleysville Savings Bank, a community-based financial institution founded in 1871 and headquartered in Harleysville, Pennsylvania. As a federally chartered savings bank, Harleysville Savings Financial focuses on traditional banking services, including accepting deposits, offering checking and savings accounts, and providing certificates of deposit and individual retirement accounts. The company’s mission centers on delivering personalized financial solutions to individuals, families, and small businesses across its core markets.

In addition to deposit products, Harleysville Savings Financial’s primary revenue drivers include residential mortgage lending, home equity lines of credit and installment loans. The company also offers commercial real estate loans, business lines of credit and equipment financing designed to support local entrepreneurs and enterprises. Trust and wealth management services are provided through affiliated or third-party partnerships, enabling clients to access investment advisory, estate planning and fiduciary services under one roof.

Harleysville Savings Financial’s operations are concentrated in southeastern Pennsylvania, with branch locations serving communities in Bucks, Montgomery and adjacent counties. While maintaining its community banking roots, the company has expanded digital and online banking platforms to meet evolving customer preferences. Harleysville Savings continues to emphasize relationship banking by combining local market knowledge with modern technology and a dedicated management team overseen by an experienced board of directors.

Key Stats

• Today's Range: $24.50 to $24.50
• 50-Day Range: $23.80 to $24.80
• 52-Week Range: $21.75 to $24.99
• Volume: N/A
• Average Volume: 1,052 shs
• Market Capitalization: $87.96 million
• P/E Ratio: 9.39
• Dividend Yield: 5.39%
• Price Target: N/A
• Consensus Rating: N/A

Harleysville Savings Financial Stock Analysis - MarketRank™

Harleysville Savings Financial scored higher than 39% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Harleysville Savings Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Harleysville Savings Financial is 9.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 82.74.

Price to Earnings Ratio vs. Sector

The P/E ratio of Harleysville Savings Financial is 9.39, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.38.

Price to Book Value per Share Ratio

Harleysville Savings Financial has a P/B Ratio of 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of Harleysville Savings Financial have been sold short.

Short Interest Ratio / Days to Cover

Harleysville Savings Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Harleysville Savings Financial is a leading dividend payer. It pays a dividend yield of 5.39%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Harleysville Savings Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Harleysville Savings Financial is 50.57%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of Harleysville Savings Financial have been sold short.

Short Interest Ratio / Days to Cover

Harleysville Savings Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.9 / 5
• News Sentiment: N/A

News Sentiment

Harleysville Savings Financial has a news sentiment score of 1.16. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.84 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Harleysville Savings Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Harleysville Savings Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.50% of the stock of Harleysville Savings Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 1.20% of the stock of Harleysville Savings Financial is held by institutions.

HARL Stock Analysis - Frequently Asked Questions

How have HARL shares performed this year?

Harleysville Savings Financial's stock was trading at $22.20 at the beginning of the year. Since then, HARL stock has increased by 10.4% and is now trading at $24.50.

How were Harleysville Savings Financial's earnings last quarter?

Harleysville Savings Financial Corp. (OTCMKTS:HARL) released its quarterly earnings data on Wednesday, October, 15th. The bank reported $0.77 earnings per share for the quarter. The bank earned $8.04 million during the quarter. Harleysville Savings Financial had a net margin of 21.91% and a trailing twelve-month return on equity of 10.81%.

How do I buy shares of Harleysville Savings Financial?

Shares of HARL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Harleysville Savings Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Harleysville Savings Financial investors own include Univest Corporation of Pennsylvania (UVSP), Aflac (AFL), Cinemark (CNK), Cheniere Energy (LNG), SLR Investment (SLRC), AT&T (T) and

Company Calendar

• Record date for 8/13 Dividend: 7/30/2025
• Dividend Payable: 8/13/2025
• Last Earnings: 10/15/2025
• Today: 10/24/2025
• Fiscal Year End: 9/30/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:HARL
• CIK: 1107160
• Web: www.harleysvillesavings.com
• Phone: (215) 256-8828
• Fax: 215-256-0510
• Employees: 81
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.61
• Trailing P/E Ratio: 9.39
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.53 million
• Net Margins: 21.91%
• Pretax Margin: 5.80%
• Return on Equity: 10.81%
• Return on Assets: 1.09%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $43.61 million
• Price / Sales: 2.02
• Cash Flow: $2.44 per share
• Price / Cash Flow: 10.04
• Book Value: $23.88 per share
• Price / Book: 1.03

Miscellaneous

• Outstanding Shares: 3,590,000
• Free Float: 3,067,000
• Market Cap: $87.96 million
• Optionable: Not Optionable
• Beta: 0.26