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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Harleysville Financial's 10-Year RORE % for the quarter that ended in Jun. 2026 was 16.20%.
The industry rank for Harleysville Financial's 10-Year RORE % or its related term are showing as below:
HARL's 10-Year RORE % is ranked better than 73.83% of 1093
companies
in the Banks industry
Industry Median: 10.59
vs HARL: 16.20
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Harleysville Financial 10-Year RORE % Related Terms
Harleysville Financial 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Harleysville Financial's 10-Year RORE % 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.
HARL vs KTHN, MPCB, NMBF: 10-Year RORE % Comparison
For the Banks - Regional subindustry, Harleysville Financial's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Harleysville Financial's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Harleysville Financial's 10-Year RORE % 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 10-year before.
Harleysville Financial (HARL) has a 10-Year RORE % of 16.20 as of Jun. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Harleysville Financial and its competitors. According to the industry distribution chart, Harleysville Financial ranks #286 out of 1093 companies in the Banks industry, placing it in the top 26.2%.
Is Harleysville Financial's 10-Year RORE % too high?
Harleysville Financial's current 10-Year RORE % is 16.20. The Banks industry median 10-Year RORE % is 10.59. Harleysville Financial's value of 16.20 is 53% above this industry median. Based on the distribution chart, Harleysville Financial ranks #286 out of 1093 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 10-Year RORE % compare to KTHN and MPCB?
According to the Banks industry distribution chart, Harleysville Financial ranks #286 out of 1093 companies for 10-Year RORE %. This puts Harleysville Financial in the upper half of its industry. The industry median 10-Year RORE % is 10.59. Harleysville Financial's value of 16.20 is 53% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.59, based on 1,093 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harleysville Financial's current 10-Year RORE % of 16.20 is 53% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Harleysville Financial and its competitors. For the Banks industry, the median 10-Year RORE % is 10.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harleysville Financial's current 10-Year RORE % is 16.20. 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 10-Year RORE % is 16.20 and 53% above the Banks industry median of 10.59. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Harleysville Financial (HARL), the current 10-Year RORE % is 16.20 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:
10-Year RORE %: 16.20
GF Value™: $27.97 vs. price of $33.12 (18.4% above fair value)
Industry Position: 53% above the Banks median (#286 of 1093)
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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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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