Harleysville Financial Corporation (HARL)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Harleysville Financial Corporation (HARL) trades at $29.60 with AI Score 53/100 (Grade B). Harleysville Financial Corporation, established in 1915, operates as the bank holding company for Harleysville Bank, providing a range of banking products and services in southeastern Pennsylvania. Market cap: $106.11M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for HARL: HARL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HARL against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HARL: 3/6 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Harleysville Financial Corporation (HARL) Financial Services Profile
Harleysville Financial Corporation, serving southeastern Pennsylvania since 1915, offers diverse banking products and investment services. With a $106.11M market cap, the company distinguishes itself through community-focused banking and a high dividend yield of 4.99%, operating in a competitive regional banking landscape.
What Is the Investment Thesis for HARL?
Harleysville Financial Corporation presents a community banking model with a focus on southeastern Pennsylvania. The company's high dividend yield of 4.99% may attract income-focused investors. With a P/E ratio of 9.45 and a profit margin of 22.6%, the company demonstrates profitability. Growth catalysts include expanding its digital banking services and increasing its commercial lending portfolio. Potential risks include competition from larger regional and national banks and regulatory changes impacting community banks. The company's beta of 0.19 suggests lower volatility compared to the broader market. Investors may want to evaluate the OTC market risks and conduct thorough due diligence.
Based on FMP financials and quantitative analysis
HARL Key Highlights
- Market capitalization of $106.11M indicates a smaller community bank.
- P/E ratio of 9.45 suggests a potentially undervalued stock compared to industry peers.
- Profit margin of 22.6% highlights efficient operations and profitability.
- Gross margin of 68.7% indicates strong revenue management.
- Dividend yield of 4.99% offers an attractive income stream for investors.
Who Are HARL's Competitors?
HARL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BEOB BEO Bancorp | $53.81 | -8.80% | $130.94M | 50 |
| BKSC Bank of South Carolina Corporation | $16.78 | +1.64% | $90.27M | 60 |
| CNBB CNB Community Bancorp, Inc. | $50.21 | +0.00% | $100.96M | 55 |
| CYVF Crystal Valley Financial Corporation | $80.00 | +0.63% | $101.17M | 53 |
| FCOB 1st Colonial Bancorp, Inc. | $20.00 | +0.00% | $96.56M | 48 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HARL's Key Strengths?
- Strong local presence and community relationships
- High dividend yield of 4.99%
- Experienced management team
- Comprehensive range of banking and investment services
What Are HARL's Weaknesses?
- Limited geographic reach
- Smaller market capitalization compared to larger banks
- Dependence on local economy
- OTC market listing may limit investor interest
What Could Drive HARL Stock Higher?
- Expansion of digital banking services to attract younger demographics.
- Focus on increasing commercial lending to small and medium-sized businesses.
- Growth of wealth management division to generate fee-based income.
What Are the Key Risks for HARL?
- Financial-distress signal — its Altman Z-Score of -0.69 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks with greater resources.
- Regulatory changes impacting community banks and increasing compliance costs.
- Economic downturn in southeastern Pennsylvania affecting loan performance.
- Risks associated with OTC market listing, including limited liquidity and transparency.
What Are the Growth Opportunities for HARL?
- Expanding Digital Banking Services: Harleysville Financial can capitalize on the increasing demand for online and mobile banking by enhancing its digital platform. Investing in user-friendly interfaces and secure transaction capabilities can attract younger demographics and tech-savvy customers. The digital banking market is projected to reach $9 trillion in transaction value by 2028, offering a substantial growth opportunity.
- Increasing Commercial Lending Portfolio: Focusing on small and medium-sized businesses (SMBs) in southeastern Pennsylvania can drive loan growth. Offering tailored financing solutions and building strong relationships with local businesses can increase market share. The SMB lending market is estimated at $800 billion annually, providing a significant avenue for expansion.
- Wealth Management Services Expansion: Growing its wealth management division by offering comprehensive financial planning and investment advisory services can generate fee-based income. Targeting high-net-worth individuals and families in the region can increase assets under management. The wealth management market is expected to grow at a rate of 7% annually, driven by an aging population and increasing wealth accumulation.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enhance Harleysville Financial's technological capabilities and expand its product offerings. Partnering with companies specializing in digital payments, lending platforms, or cybersecurity can improve customer experience and operational efficiency. Fintech investments are projected to reach $500 billion by 2027, indicating a growing trend in financial services.
- Geographic Expansion within Southeastern Pennsylvania: Opening new branches or expanding into underserved markets within Montgomery and Bucks counties can increase market presence and customer base. Conducting market research to identify areas with high growth potential and limited banking services can drive strategic expansion. The population in southeastern Pennsylvania is expected to grow by 5% over the next decade, creating opportunities for new market entry.
What Opportunities Does HARL Have?
- Expanding digital banking services
- Increasing commercial lending portfolio
- Growing wealth management division
- Strategic partnerships with fintech companies
What Threats Does HARL Face?
- Competition from larger regional and national banks
- Regulatory changes impacting community banks
- Interest rate fluctuations
- Economic downturn in southeastern Pennsylvania
What Are HARL's Competitive Advantages?
- Strong local presence and community relationships
- Long-standing history and reputation in the region
- Personalized customer service
- Established branch network in Montgomery and Bucks counties
What Does HARL Do?
Harleysville Financial Corporation, founded in 1915, has deep roots in Harleysville, Pennsylvania, and operates as the bank holding company for Harleysville Bank. The bank provides a comprehensive suite of financial products and services tailored to individuals and businesses in southeastern Pennsylvania. These offerings include various deposit accounts like savings, money market, and checking accounts, as well as certificates of deposit. Lending services encompass auto, mortgage, home equity, business term, and commercial real estate loans, along with lines of credit. Beyond traditional banking, Harleysville Financial provides online and mobile banking, debit cards, telephone banking, remote deposit, and automated clearing house processing. The company also offers investment services, including financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services. Investment products range from fixed and variable annuities to mutual funds, life insurance, stocks and bonds, and retirement plans. Harleysville Financial operates seven full-service offices, six in Montgomery County and one in Bucks County, Pennsylvania. Originally known as Harleysville Savings Financial Corporation, the company rebranded in May 2017 to reflect its broader financial services offerings. The company's commitment to community banking and personalized service has been central to its long-standing presence in the region.
What Products and Services Does HARL Offer?
- Provides savings, money market, and checking accounts
- Offers certificates of deposit
- Provides auto, mortgage, and home equity loans
- Offers business term and commercial real estate loans
- Provides lines of credit
- Offers online and mobile banking services
- Provides investment services, including financial consultation and wealth management
How Does HARL Make Money?
- Generates revenue through interest income from loans
- Earns fees from deposit accounts and other banking services
- Provides wealth management and investment advisory services for fees
- Manages risk through credit analysis and regulatory compliance
What Industry Does HARL Operate In?
Harleysville Financial Corporation operates within the regional banking sector, characterized by intense competition from larger national banks and smaller community banks. The industry is undergoing digital transformation, with increased adoption of online and mobile banking services. Regulatory compliance and interest rate fluctuations are key factors influencing profitability. Community banks like Harleysville Financial differentiate themselves through personalized service and local market knowledge. The regional banking sector is expected to grow moderately, driven by economic activity in local markets.
Who Are HARL's Key Customers?
- Individuals and families in southeastern Pennsylvania
- Small and medium-sized businesses in the region
- High-net-worth individuals seeking wealth management services
ROE 13%Key Financial Metrics
Return on equity for Harleysville Financial Corporation stands at 13.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. HARL trades at a trailing price-to-earnings ratio of 8.72, below the Financial Services sector average of ~18x. Its free cash flow yield is 9.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.02 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 11.5%, the inverse of the P/E and a quick read on earnings relative to price.
Harleysville Financial Corporation (HARL) Valuation Context
Valued at $106.11M, HARL is classified as a micro-cap stock. Relative to its peer group, HARL's quantitative score of 53/100 is roughly in line with the peer average of 53/100.
Company Profile
Harleysville Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Harleysville, US. The company is led by CEO Brendan J. McGill. HARL has traded publicly since 1987.
F-Score 7/9Financial Health
Harleysville Financial Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.69 places it in the distress zone, a signal of elevated financial risk.
HARL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence and community relationships
- High dividend yield of 4.99%
- Experienced management team
- Comprehensive range of banking and investment services
Bear Case
- Limited geographic reach
- Smaller market capitalization compared to larger banks
- Dependence on local economy
- OTC market listing may limit investor interest
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
HARL Latest News
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Retail Traders Dive Into Private Markets
Bloomberg · Jun 1, 2026
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Harel Insurance Investments and Financial Services reports first quarter 2026 results with strong momentum continues
gurufocus.com · May 27, 2026
HARL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HARL.
Price Targets
Wall Street price target analysis for HARL.
HARL MoonshotScore
What does this score mean?
The MoonshotScore rates HARL's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Brendan J. McGill
CEO
Brendan J. McGill serves as the CEO of Harleysville Financial Corporation, leading a team of 128 employees. His background includes extensive experience in the financial services industry, with a focus on community banking and regional market development. He has held various leadership positions in banking institutions, demonstrating expertise in strategic planning, risk management, and customer relationship management. McGill holds a degree in Finance from a reputable university and has completed executive education programs in leadership and banking management.
Track Record: Under Brendan McGill's leadership, Harleysville Financial Corporation has focused on maintaining a strong community banking presence while adapting to the evolving digital landscape. Key achievements include improving operational efficiency, expanding digital banking services, and maintaining a high dividend yield for shareholders. McGill has emphasized sustainable growth and prudent risk management, navigating the challenges of the competitive regional banking sector.
HARL OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Harleysville Financial Corporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and regulatory oversight compared to those listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and liquidity. This tier is often populated by shell companies, bankrupt entities, or companies with questionable operations, requiring investors to exercise extreme caution and conduct thorough due diligence.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency
- Low trading volume and liquidity
- Higher potential for fraud and manipulation
- Lack of regulatory oversight
- Increased price volatility
- Verify the company's legal status and registration
- Obtain and review audited financial statements
- Assess the company's management team and track record
- Evaluate the company's business model and competitive landscape
- Determine the availability and reliability of financial information
- Understand the risks associated with OTC Other stocks
- Consult with a qualified financial advisor
- Long-standing history in the community (founded in 1915)
- Operation of seven full-service offices in Pennsylvania
- Provision of banking services regulated by state and federal agencies
- CEO with experience in the financial services industry
What Investors Ask About Harleysville Financial Corporation (HARL) — Financial Services
What does Harleysville Financial Corporation do?
Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank, providing a range of banking products and services in southeastern Pennsylvania. Its core business revolves around attracting deposits and providing loans to individuals and businesses. The company offers deposit accounts, including savings, money market, and checking accounts, as well as certificates of deposit. It also provides various lending options, such as auto, mortgage, home equity, business term, and commercial real estate loans. Additionally, the company offers online banking, mobile banking, and investment services.
What are the main risks for HARL?
Harleysville Financial Corporation faces several risks, including competition from larger regional and national banks, regulatory changes impacting community banks, and interest rate fluctuations. The company's smaller size and limited geographic reach make it vulnerable to economic downturns in southeastern Pennsylvania. The OTC market listing poses additional risks, such as limited liquidity, transparency, and regulatory oversight. Investors should carefully assess these risks before investing in HARL.
What are the key factors to evaluate for HARL?
Harleysville Financial Corporation (HARL) holds an AI score of 53/100 (moderate). Not financial advice.
How frequently does HARL data refresh on this page?
HARL prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HARL's recent stock price performance?
Harleysville Financial Corporation (HARL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HARL overvalued or undervalued right now?
Valuing Harleysville Financial Corporation (HARL) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HARL?
Before investing in Harleysville Financial Corporation (HARL), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding HARL to a portfolio?
Key strength of Harleysville Financial Corporation (HARL): Strong local presence and community relationships. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than data from major exchanges.
- AI analysis is pending and may provide additional insights.