HARL (Harleysville Financial) Scaled Net Operating Assets: 0.10 (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 Scaled Net Operating Assets?

Harleysville Financial HARL +2.70% 67 Scaled Net Operating Assets is 0.10 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Harleysville Financial's operating assets for the quarter that ended in Jun. 2026 was $963.27 Mil. Harleysville Financial's operating liabilities for the quarter that ended in Jun. 2026 was $867.79 Mil. Harleysville Financial's Total Assets for the quarter that ended in Mar. 2026 was $957.74 Mil. Therefore, Harleysville Financial's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.10.

HARL
67GF Score
Harleysville Financial Corp HARL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Harleysville Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Harleysville Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Sep. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Sep. 2025 )
=(Operating Assets (A: Sep. 2025 )-Operating Liabilities (A: Sep. 2025 ))/Total Assets (A: Sep. 2024 )
=(919.334-682.057)/862.988
=0.27

where

Operating Assets(A: Sep. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=928.042 - 8.708
=919.334

Operating Liabilities(A: Sep. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=837.465 - 83.983 - 71.425
=682.057

Harleysville Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(963.272-867.785)/957.738
=0.10

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=963.272 - 0
=963.272

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=867.785 - 0 - 0
=867.785

* 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.

What does a Scaled Net Operating Assets of 0.10 mean?
Harleysville Financial (HARL) has a Scaled Net Operating Assets of 0.10 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Harleysville Financial and its competitors.
Is Harleysville Financial's Scaled Net Operating Assets too high?
Harleysville Financial's current Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets compare to KTHN and MPCB?
Harleysville Financial's Scaled Net Operating Assets of 0.10 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Harleysville Financial and its competitors. Harleysville Financial's current Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets is 0.10. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Harleysville Financial (HARL), the current Scaled Net Operating Assets is 0.10 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:

  • Scaled Net Operating Assets: 0.10
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.12
Price
$27.97
GF Value