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19.85 (1y: +12%)
Market Cap 74.7 M P/E(ttm) 15.30
Enterprise Value 267.18 M P/B 1.20
HARL- OTCPK (USA)
Harleysville Savings Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$19.85
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry		 vs
history
Cash to Debt 0.123
HARL's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.123 )
HARL' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.19
Current: 0.12
0.02
0.19
Equity to Asset 0.074
HARL's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.074 )
HARL' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.07
Current: 0.07
0.06
0.07
Interest Coverage No Debt
HARL's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: No Debt )
HARL' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.19
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry		 vs
history
Operating margin (%) 33.30
HARL's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 33.30 )
HARL' s 10-Year Operating margin (%) Range
Min: 31.1   Max: 53.1
Current: 33.3
31.1
53.1
Net-margin (%) 23.4
HARL's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 23.4 )
HARL' s 10-Year Net-margin (%) Range
Min: 23.4   Max: 36.6
Current: 23.4
23.4
36.6
ROE (%) 8.5
HARL's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 8.5 )
HARL' s 10-Year ROE (%) Range
Min: 6.9   Max: 13.4
Current: 8.5
6.9
13.4
ROA (%) 0.6
HARL's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.6 )
HARL' s 10-Year ROA (%) Range
Min: 0.4   Max: 0.8
Current: 0.6
0.4
0.8
Revenue Growth (%) 3.4
HARL's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 3.4 )
HARL' s 10-Year Revenue Growth (%) Range
Min: -0.9   Max: 12.5
Current: 3.4
-0.9
12.5
EBITDA Growth (%) 3.4
HARL's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 3.4 )
HARL' s 10-Year EBITDA Growth (%) Range
Min: -7   Max: 13
Current: 3.4
-7
13
EPS Growth (%) 0.4
HARL's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.4 )
HARL' s 10-Year EPS Growth (%) Range
Min: -9.7   Max: 13.1
Current: 0.4
-9.7
13.1
ยป HARL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 15.30
HARL's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 15.30 )
HARL' s 10-Year P/E(ttm) Range
Min: 7.39   Max: 19.19
Current: 15.3
7.39
19.19
P/B 1.20
HARL's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 1.20 )
HARL' s 10-Year P/B Range
Min: 0.77   Max: 1.89
Current: 1.2
0.77
1.89
P/S 3.50
HARL's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 3.50 )
HARL' s 10-Year P/S Range
Min: 2.1   Max: 6.07
Current: 3.5
2.1
6.07
PFCF 20.90
HARL's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 20.90 )
HARL' s 10-Year PFCF Range
Min: 3.7   Max: 1083
Current: 20.9
3.7
1083
EV-to-EBIT 38.5
HARL's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 38.5 )
HARL' s 10-Year EV-to-EBIT Range
Min: 7.1   Max: 83
Current: 38.5
7.1
83
PEG 2.6
HARL's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 2.6 )
HARL' s 10-Year PEG Range
Min: 0.74   Max: 43.5
Current: 2.6
0.74
43.5
Shiller P/E 15
HARL's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 15 )
HARL' s 10-Year Shiller P/E Range
Min: 8.54   Max: 18.05
Current: 15
8.54
18.05

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.02
HARL's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 3.02 )
HARL' s 10-Year Dividend Yield Range
Min: 2.06   Max: 6.76
Current: 3.02
2.06
6.76
Dividend Payout 0.5865
HARL's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.5865 )
HARL' s 10-Year Dividend Payout Range
Min: 0.22   Max: 0.82
Current: 0.59
0.22
0.82
Dividend growth (3y) 1.7
HARL's Dividend growth (3y) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 1.7 )
HARL' s 10-Year Dividend growth (3y) Range
Min: 1.7   Max: 15.8
Current: 1.7
1.7
15.8
Yield on cost (5-Year) 3.46
HARL's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 3.46 )
HARL' s 10-Year Yield on cost (5-Year) Range
Min: 2.38   Max: 7.8
Current: 3.46
2.38
7.8
Share Buyback Rate -1.4
HARL's Share Buyback Rate is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: -1.4 )
HARL' s 10-Year Share Buyback Rate Range
Min: 1.9   Max: -1.4
Current: -1.4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.3
HARL's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 1.3 )
HARL' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 1.5
Current: 1.3
0.9
1.5
Price/DCF (Projected) 0.7
HARL's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.7 )
HARL' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.8
Current: 0.7
0.5
0.8
Price/Median PS Value 1
HARL's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 1 )
HARL' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.4
Current: 1
0.7
1.4
Price/Peter Lynch Fair Value 2.1
HARL's Price/Peter Lynch Fair Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 2.1 )
HARL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.8   Max: 2.7
Current: 2.1
0.8
2.7
Price/Graham Number 0.9
HARL's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.9 )
HARL' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1
Current: 0.9
0.6
1
Earnings Yield (Greenblatt) 2.60
HARL's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 2.60 )
HARL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 14.1
Current: 2.6
1.2
14.1
Forward Rate of Return (Yacktman) 13.17
HARL's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 13.17 )
HARL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.8   Max: 20.9
Current: 13.17
-0.8
20.9

Business Description

Harleysville Savings Financial Corporation is a Pennsylvania corporation headquartered in Harleysville, Pennsylvania. The Company became the bank holding company for Harleysville Savings Bank in connection with the holding company reorganization of the Bank in February 2000 (the "Reorganization"). The Bank's primary business consists of attracting deposits from the general public and business customers through a variety of deposit programs and investing such deposits principally in first mortgage loans secured by residential properties in the Bank's primary market area. The Bank also originates a variety of consumer loans, predominately home equity loans and lines of credit also secured by residential properties in the Bank's primary lending area. The Bank is also engaged in the general commercial banking business, and provides a full range of commercial loans and commercial real estate loans to customers in the Bank's primary market area. The Bank serves its customers through its full-service branch network as well as through remote ATM locations, the internet and telephone banking.
Company Website
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ยป More Articles for HARL

Headlines

Articles On GuruFocus.com
The Cheapest High-Yield Stocks with Ex-Dividend Date in May 2012 Apr 30 2012 
Harleysville Savings Bank Reports Operating Results (10-Q) Aug 13 2010 
Harleysville Savings Bank Reports Operating Results (10-Q) May 14 2010 
Harleysville Savings Bank Reports Operating Results (10-Q) Feb 12 2010 
Harleysville Savings Bank Reports Operating Results (10-K) Dec 18 2009 
Harleysville Savings Bank Reports Operating Results (10-Q) Aug 14 2009 
Dividend Stocks Showing You the Money (Part I): Enterprise Products Partners, A. O. Smith Corporatio Jul 20 2009 
Harleysville Savings Bank Reports Operating Results (10-Q) May 13 2009 

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