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GuruFocus Financial Strength Rank measures how strong a company’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

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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

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» HARL's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with HARL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Ratios

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Dividend & Buy Back

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Dividend Yield 5.10
HARL's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 5.10 )
HARL' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 5.1

Dividend Payout 0.59
HARL's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 0.59 )
HARL' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.59

Yield on cost (5-Year) 5.10
HARL's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. HARL: 5.10 )
HARL' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 5.1

Valuation & Return

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Business Description

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Harleysville Savings Financial Corporation is a Pennsylvania corporation headquartered in Harleysville, Pennsylvania. The Company is a bank holding company for Harleysville Savings Bank in connection with the holding company. 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. It 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. The Company's loan portfolio comprised of loans secured by first mortgages on single-family residential properties. Its competitors include mortgage banking companies, other savings institutions, commercial banks and credit union. The Company is a registered bank holding company pursuant to the Bank Holding Company Act and, as such, is subject to regulation and supervision by the Federal Reserve Board and the Department.

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