HARL (Harleysville Financial) Valuation Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HARL Harleysville Financial Corp HARL
67 GF Score
Price $32.51
GF Value $27.97
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Harleysville Financial Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

Harleysville Financial Valuation Rank Related Terms

HARL
67GF Score
Harleysville Financial Corp HARL
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Harleysville Financial (HARL) Overvalued in 2026?

Based on GuruFocus' analysis, Harleysville Financial stock appears to be overvalued. The current stock price of $32.51 is trading 16.2% above its estimated GF Value™ of $27.97. GuruFocus considers Harleysville Financial to be Modestly Overvalued.

Key valuation signals for HARL:

  • Valuation Rank:
  • GF Value™: $27.97 vs. price of $32.51 (16.2% 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

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

$32.51
Price
$27.97
GF Value