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* 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.
For the Banks - Regional subindustry, Harleysville Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harleysville Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Harleysville Financial's FCF Margin % falls into.
* 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 (HARL) has a FCF Margin % of 0.00% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harleysville Financial and its competitors. Over the past decade, Harleysville Financial's FCF Margin % has ranged from 21.06 to 40.22. According to the industry distribution chart, Harleysville Financial ranks #739 out of 1503 companies in the Banks industry, placing it in the top 49.2%.
Is Harleysville Financial's FCF Margin % too high?
Harleysville Financial's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 21.06 to a high of 40.22. Based on the distribution chart, Harleysville Financial ranks #739 out of 1503 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to KTHN and MPCB?
According to the Banks industry distribution chart, Harleysville Financial ranks #739 out of 1503 companies for FCF Margin %. This puts Harleysville Financial in the upper half of its industry. The industry median FCF Margin % is 27.11. Historically, Harleysville Financial's own FCF Margin % has ranged from 21.06 to 40.22 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.11, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harleysville Financial and its competitors. For the Banks industry, the median FCF Margin % is 27.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harleysville Financial's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Harleysville Financial (HARL), the current FCF Margin % is 0.00% 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:
FCF Margin %: 0.00%
GF Value™: $27.97 vs. price of $33.12 (18.4% above fair value)
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 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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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