HARL (Harleysville Financial) EV-to-FCF: (As of Jul. 02, 2026)


HARL Harleysville Financial Corp HARL
68 GF Score
Price $29.50
GF Value $26.82
Valuation Fairly Valued
! 4 Warning Signs
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What is Harleysville Financial EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Harleysville Financial's Enterprise Value is $261.16 Mil. Harleysville Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Harleysville Financial's EV-to-FCF for today is .

The historical rank and industry rank for Harleysville Financial's EV-to-FCF or its related term are showing as below:

HARL' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 27.57
Current: 27.57

During the past 13 years, the highest EV-to-FCF of Harleysville Financial was 27.57. The lowest was 0.00. And the median was 0.00.

HARL's EV-to-FCF is ranked worse than
87.93% of 1193 companies
in the Banks industry
Industry Median: 6.65 vs HARL: 27.57

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-02), Harleysville Financial's stock price is $29.50. Harleysville Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.270. Therefore, Harleysville Financial's PE Ratio (TTM) for today is 9.02.


Harleysville Financial  (OTCPK:HARL) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Harleysville Financial's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=29.50/3.270
=9.02

Harleysville Financial's share price for today is $29.50.
Harleysville Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.270.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Harleysville Financial EV-to-FCF Related Terms


Harleysville Financial EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Harleysville Financial's EV-to-FCF 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 EV-to-FCF Chart

Harleysville Financial Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.60 1.92 14.86 22.28 24.69

Harleysville Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 0.00 0.00 24.69 0.00 0.00

HARL vs CZBS, SFBC, CMHF: EV-to-FCF Comparison

For the Banks - Regional subindustry, Harleysville Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Harleysville Financial's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Harleysville Financial's EV-to-FCF falls into.


HARL
68GF Score
Harleysville Financial Corp HARL
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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Harleysville Financial EV-to-FCF Calculation

Harleysville Financial's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=261.163/0
=

Harleysville Financial's current Enterprise Value is $261.16 Mil.
Harleysville Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

Is Harleysville Financial (HARL) Overvalued in 2026?

Based on GuruFocus' analysis, Harleysville Financial stock appears to be overvalued. The current stock price of $29.50 is trading 10% above its estimated GF Value™ of $26.82. GuruFocus considers Harleysville Financial to be Fairly Valued.

Key valuation signals for HARL:

  • EV-to-FCF:
  • GF Value™: $26.82 vs. price of $29.50 (10% above fair value)
  • GF Score™: 68/100 with 4 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.
68GF Score

Get the complete analysis for HARL

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.50
Price
$26.82
GF Value