HARL (Harleysville Financial) Cyclically Adjusted Revenue per Share: $8.87 (As of Jun. 2026)

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HARL Harleysville Financial Corp HARL
67 GF Score
Price $33.12
GF Value $27.97
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Harleysville Financial Cyclically Adjusted Revenue per Share?

Harleysville Financial HARL +2.70% 67 Cyclically Adjusted Revenue per Share is $8.87 as of Jun. 2026. GuruFocus rates HARL with a GF Score™ of 67/100 and a GF Value™ of $27.97 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Harleysville Financial's adjusted revenue per share for the three months ended in Jun. 2026 was $2.439. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $8.87 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Harleysville Financial's average Cyclically Adjusted Revenue Growth Rate was 5.10% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 4.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Harleysville Financial was 6.70% per year. The lowest was 3.40% per year. And the median was 4.80% per year.

As of today (2026-08-16), Harleysville Financial's current stock price is $33.12. Harleysville Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was $8.87. Harleysville Financial's Cyclically Adjusted PS Ratio of today is 3.73.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Harleysville Financial was 4.27. The lowest was 2.53. And the median was 3.43.


Harleysville Financial  (OTCPK:HARL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Harleysville Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=33.12/8.87
=3.73

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Harleysville Financial was 4.27. The lowest was 2.53. And the median was 3.43.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Harleysville Financial Cyclically Adjusted Revenue per Share Related Terms


Harleysville Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Harleysville Financial's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Harleysville Financial Cyclically Adjusted Revenue per Share Chart

Harleysville Financial Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.01 7.58 8.04 8.25 8.52

Harleysville Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.44 8.52 8.52 8.74 8.87

HARL vs KTHN, MPCB, NMBF: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Harleysville Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Harleysville Financial Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Harleysville Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Harleysville Financial's Cyclically Adjusted PS Ratio falls into.


HARL
67GF Score
Harleysville Financial Corp HARL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harleysville Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Harleysville Financial's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.439/333.9520*333.9520
=2.439

Current CPI (Jun. 2026) = 333.9520.

Harleysville Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.549 241.428 2.143
201612 1.521 241.432 2.104
201703 1.542 243.801 2.112
201706 1.552 244.955 2.116
201709 1.581 246.819 2.139
201712 1.688 246.524 2.287
201803 1.644 249.554 2.200
201806 1.773 251.989 2.350
201809 1.772 252.439 2.344
201812 1.889 251.233 2.511
201903 1.820 254.202 2.391
201906 1.774 256.143 2.313
201909 1.752 256.759 2.279
201912 1.708 256.974 2.220
202003 1.677 258.115 2.170
202006 1.644 257.797 2.130
202009 1.672 260.280 2.145
202012 1.754 260.474 2.249
202103 1.732 264.877 2.184
202106 1.628 271.696 2.001
202109 1.676 274.310 2.040
202112 1.670 278.802 2.000
202203 1.612 287.504 1.872
202206 1.794 296.311 2.022
202209 2.151 296.808 2.420
202212 2.308 296.797 2.597
202303 2.253 301.836 2.493
202306 2.215 305.109 2.424
202309 2.118 307.789 2.298
202312 2.001 306.746 2.178
202403 1.881 312.332 2.011
202406 1.907 314.175 2.027
202409 1.863 315.301 1.973
202412 1.884 315.605 1.994
202503 1.968 319.799 2.055
202506 2.129 322.561 2.204
202509 2.160 324.800 2.221
202512 2.281 324.054 2.351
202603 2.663 330.213 2.693
202606 2.439 333.952 2.439

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $8.87 mean?
Harleysville Financial (HARL) has a Cyclically Adjusted Revenue per Share of $8.87 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Harleysville Financial and its competitors.
Is Harleysville Financial's Cyclically Adjusted Revenue per Share too high?
Harleysville Financial's current Cyclically Adjusted Revenue per Share is $8.87. Overall, Harleysville Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harleysville Financial's Cyclically Adjusted Revenue per Share compare to KTHN and MPCB?
Harleysville Financial's Cyclically Adjusted Revenue per Share of $8.87 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Harleysville Financial and its competitors. Harleysville Financial's current Cyclically Adjusted Revenue per Share is $8.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harleysville Financial stock overvalued right now?
Based on GuruFocus' analysis, Harleysville Financial (HARL) is currently considered Modestly Overvalued. The stock's GF Value™ is $27.97, compared to a current price of $33.12 — trading 18.4% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $8.87. Harleysville Financial's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Harleysville Financial (HARL), the current Cyclically Adjusted Revenue per Share is $8.87 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Harleysville Financial (HARL) Overvalued in 2026?

Based on GuruFocus' analysis, Harleysville Financial stock appears to be overvalued. The current stock price of $33.12 is trading 18.4% above its estimated GF Value™ of $27.97. GuruFocus considers Harleysville Financial to be Modestly Overvalued.

Key valuation signals for HARL:

  • Cyclically Adjusted Revenue per Share: $8.87
  • GF Value™: $27.97 vs. price of $33.12 (18.4% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the HARL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Harleysville Financial Business Description

Address 271 Main Street, Harleysville, PA, USA, 19438
Harleysville Financial Corp is engaged in attracting deposits from the general public and business customers through its branch offices and deposit programs, and investing those deposits mainly in residential, commercial and consumer loans and investments. Its activities include first mortgage loans, home equity loans and lines of credit, as well as commercial and commercial real estate loans in its primary market area. The Bank provides general commercial banking services through its branch network, internet, telephone and mobile banking, and offers business checking and savings accounts, business loans, cash management services, online banking and bill pay, mobile banking, debit cards, tuition rewards and other services. Its customers are mainly in southeastern Pennsylvania.
67GF Score

Get the complete analysis for HARL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.12
Price
$27.97
GF Value