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Harleysville FinancialHARL +2.70%67 Net Margin % is 33.83% as of Jun. 2026, which is 17% above its 10-year median of 28.93. 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 1,528 Banks companies, Harleysville Financial ranks better than 75.65% on this metric.
Harleysville Financial (OTCPK:HARL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Harleysville Financial Net Margin % Related Terms
Harleysville Financial Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harleysville Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Harleysville Financial's Net 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 Net Margin % of 33.83% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Harleysville Financial and its competitors. This is 17% above median its historical median of 28.93. Over the past decade, Harleysville Financial's Net Margin % has ranged from 23.81 to 36.97. According to the industry distribution chart, Harleysville Financial ranks #372 out of 1528 companies in the Banks industry, placing it in the top 24.3%.
Is Harleysville Financial's Net Margin % too high?
Harleysville Financial's current Net Margin % of 33.83% is 17% above median its 10-year median of 28.93. Over the past 10 years, this metric has ranged from a low of 23.81 to a high of 36.97. The Banks industry median Net Margin % is 27.20. Harleysville Financial's value of 33.83% is 24.4% above this industry median. Based on the distribution chart, Harleysville Financial ranks #372 out of 1528 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 Net Margin % compare to KTHN and MPCB?
According to the Banks industry distribution chart, Harleysville Financial ranks #372 out of 1528 companies for Net Margin %. This places Harleysville Financial in the top 24% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.20. Harleysville Financial's value of 33.83% is 24.4% above this benchmark. Historically, Harleysville Financial's own Net Margin % has ranged from 23.81 to 36.97 over the past decade. While the company's 10-year median is 28.93 vs. the industry median of 27.20, Harleysville Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.20, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harleysville Financial's current Net Margin % of 33.83% is 24.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Harleysville Financial and its competitors. For the Banks industry, the median Net Margin % is 27.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harleysville Financial's current Net Margin % is 33.83%, which is 17% above median its own 10-year median of 28.93. 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 Net Margin % is 33.83%, which is 17% above median its 10-year median of 28.93 and 24.4% above the Banks industry median of 27.20. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Harleysville Financial (HARL), the current Net Margin % is 33.83% 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:
Net Margin %: 33.83% (17% above median its 10-year median of 28.93)
GF Value™: $27.97 vs. price of $33.12 (18.4% above fair value)
Industry Position: 24.4% above the Banks median (#372 of 1528)
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
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