HARL (Harleysville Financial) Moat Score: 5/10 (As of Aug. 16, 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 Moat Score?

Harleysville Financial HARL +2.70% 67 Moat Score is 5 as of Aug. 16, 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. Among 1,611 Banks companies, Harleysville Financial ranks better than 94.04% on this metric.

Harleysville Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Harleysville Financial has Narrow Moat: Harleysville Financial has a solid narrow moat due to its regional banking presence and customer loyalty. While it benefits from some economies of scale and brand strength, it lacks the regulatory barriers or network effects needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Harleysville Financial might have Narrow Moat - Solid narrow moat.

Harleysville Financial  (OTCPK:HARL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Harleysville Financial Moat Score Related Terms

HARL vs KTHN, MPCB, NMBF: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Harleysville Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Harleysville Financial's Moat Score falls into.


HARL
67GF Score
Harleysville Financial Corp HARL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Harleysville Financial (HARL) has a Moat Score of 5 as of Aug. 16, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Harleysville Financial ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Harleysville Financial's Moat Score too high?
Harleysville Financial's current Moat Score is 5. Based on the distribution chart, Harleysville Financial ranks #96 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to KTHN and MPCB?
According to the Banks industry distribution chart, Harleysville Financial ranks #96 out of 1611 companies for Moat Score. This places Harleysville Financial in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Harleysville Financial's current Moat Score is 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Harleysville Financial (HARL), the current Moat Score is 5 as of Aug. 16, 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:

  • Moat Score: 5
  • 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

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

$33.12
Price
$27.97
GF Value