HARL (Harleysville Financial) LT-Debt-to-Total-Asset: 0.00 (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
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What is Harleysville Financial LT-Debt-to-Total-Asset?

Harleysville Financial HARL +2.70% 67 LT-Debt-to-Total-Asset is 0.00 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Harleysville Financial's long-term debt to total assests ratio for the quarter that ended in Jun. 2026 was 0.00.

Harleysville Financial's long-term debt to total assets ratio stayed the same from Jun. 2025 (0.00) to Jun. 2026 (0.00).

Harleysville Financial  (OTCPK:HARL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Harleysville Financial LT-Debt-to-Total-Asset Related Terms

Harleysville Financial LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Harleysville Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Harleysville Financial Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.05 0.05 0.07 0.09

Harleysville Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
LT-Debt-to-Total-Asset 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 0.09 0.00 0.00 0.00
HARL
67GF Score
Harleysville Financial Corp HARL
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Harleysville Financial LT-Debt-to-Total-Asset Calculation

Harleysville Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (A: Sep. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Sep. 2025 )/Total Assets (A: Sep. 2025 )
=83.983/928.042
=0.09

Harleysville Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Jun. 2026 is calculated as

LT Debt to Total Assets (Q: Jun. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Jun. 2026 )/Total Assets (Q: Jun. 2026 )
=0/963.272
=0.00

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.00 mean?
Harleysville Financial (HARL) has a LT-Debt-to-Total-Asset of 0.00 as of Jun. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Harleysville Financial and its competitors.
Is Harleysville Financial's LT-Debt-to-Total-Asset too high?
Harleysville Financial's current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset compare to KTHN and MPCB?
Harleysville Financial's LT-Debt-to-Total-Asset of 0.00 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Harleysville Financial and its competitors. Harleysville Financial's current LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Harleysville Financial (HARL), the current LT-Debt-to-Total-Asset 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:

  • LT-Debt-to-Total-Asset: 0.00
  • 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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.12
Price
$27.97
GF Value