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INDICATIVE · SAMPLE DATA
HARL.PK56

Harleysville Financial Corp

BanksVerified

Harleysville Financial Corp has a total equity of $85.77 million and no debt, indicating a strong capital structure with no leverage. The company's liquidity position is not assessable due to the lack of balance-sheet inputs and no going-concern language in the source documents. The company's profitability is reflected in a return on equity of 2.55%, which is a measure of how effectively it uses its equity to generate profits. This metric should be compared to the industry median to determine if it is performing above or below average in terms of profitability. The company's revenue concentration is not disclosed in the available data, and there is no information provided on its segments or geographic exposure. This lack of detail makes it difficult to assess the diversification of its revenue streams or the potential risks associated with geographic concentration. The company's growth trajectory is not clearly defined in the available data. There is no information provided on the current or next fiscal year's direction or numeric deltas, which would be necessary to understand its growth potential. The risk assessment indicates a low potential for dilution, which is a positive sign for shareholders. However, the lack of liquidity information is a concern, as it could affect the company's ability to meet short-term obligations. There are no recent events or filings mentioned in the available data that would provide insight into the company's current operations or strategic direction. The absence of such information limits the ability to assess any recent developments that could impact the company's performance.

30-day price · HARL.PK+1.06 (+3.9%)
Low$26.85High$28.15Close$27.94As of18 May, 00:00 UTC
Profile
CompanyHarleysville Financial Corp
TickerHARL.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Harleysville Financial Corp operates as a bank, providing financial services to its customers, and generates revenue primarily through interest income and fees from its banking operations.

Classification. Harleysville Financial Corp is classified under the Financials economic sector, within the Banking & Investment Services business sector, and specifically in the Banks industry, with a high confidence level of 0.92.

Harleysville Financial Corp has a total equity of $85.77 million and no debt, indicating a strong capital structure with no leverage. The company's liquidity position is not assessable due to the lack of balance-sheet inputs and no going-concern language in the source documents. The company's profitability is reflected in a return on equity of 2.55%, which is a measure of how effectively it uses its equity to generate profits. This metric should be compared to the industry median to determine if it is performing above or below average in terms of profitability. The company's revenue concentration is not disclosed in the available data, and there is no information provided on its segments or geographic exposure. This lack of detail makes it difficult to assess the diversification of its revenue streams or the potential risks associated with geographic concentration. The company's growth trajectory is not clearly defined in the available data. There is no information provided on the current or next fiscal year's direction or numeric deltas, which would be necessary to understand its growth potential. The risk assessment indicates a low potential for dilution, which is a positive sign for shareholders. However, the lack of liquidity information is a concern, as it could affect the company's ability to meet short-term obligations. There are no recent events or filings mentioned in the available data that would provide insight into the company's current operations or strategic direction. The absence of such information limits the ability to assess any recent developments that could impact the company's performance.
Key takeaways
  • Harleysville Financial Corp has a strong capital structure with no debt, indicating a solid financial position.
  • The company's return on equity is 2.55%, which is a key metric for assessing profitability.
  • The lack of information on revenue concentration and geographic exposure limits the understanding of the company's diversification and risk profile.
  • The company's growth trajectory and recent events are not clearly defined in the available data, making it difficult to assess its future performance.
  • --
  • # RATIONALES
  • ```json
  • {
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$6.3M
Gross profit
Operating income
Net income$2.2M
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity$85.8M
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$22.5M$7.3M
FY-3$24.2M$8.8M
FY-2$30.4M$12.2M
FY-1$25.3M$8.9M
FY0$27.0M$9.5M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$80.7M
FY-3$84.8M
FY-2$87.2M
FY-1$86.7M
FY0$90.6M
PeriodOCFCapExFCFSBC
FY-4
FY-3
FY-2
FY-1
FY0
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$6.3M$2.2M
FQ-6$6.1M$2.1M
FQ-5$6.2M$2.0M
FQ-4$6.5M$2.1M
FQ-3$7.0M$2.5M
FQ-2$7.3M$2.9M
FQ-1$7.5M$2.7M
FQ0$7.7M$3.8M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7$85.8M
FQ-6$86.7M
FQ-5$87.6M
FQ-4$88.0M
FQ-3$89.0M
FQ-2$90.6M
FQ-1$92.1M
FQ0$94.6M
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity0.0
ROA
ROE2.5%
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricHARL.PKActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin34.7%33.6% medp25 19.4% · p75 51.1%above median
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity0.0%56.1% medp25 13.2% · p75 161.2%bottom quartile
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 10:25 UTC#6d4db7d2
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 02:31 UTCJob: d23d6fc5