HARL (Harleysville Financial) Tariff Resilience Score: 8/10 (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 Tariff Resilience Score?

Harleysville Financial HARL +2.70% 67 Tariff Resilience Score is 8 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 1,608 Banks companies, Harleysville Financial ranks better than 78.79% on this metric.

Harleysville Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Harleysville Financial has As a financial services company, Harleysville Financial Corp is largely insulated from direct tariff impacts. Its operations are primarily domestic, with minimal exposure to international trade. Historical tariff changes have not significantly affected its business model.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Harleysville Financial might have Highly Resilient.

Harleysville Financial  (OTCPK:HARL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Harleysville Financial Tariff Resilience Score Related Terms

HARL vs KTHN, MPCB, NMBF: Tariff Resilience Score Comparison

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

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

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


HARL
67GF Score
Harleysville Financial Corp HARL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Harleysville Financial (HARL) has a Tariff Resilience Score of 8 as of Aug. 16, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Harleysville Financial ranks #341 out of 1608 companies in the Banks industry, placing it in the top 21.2%.
Is Harleysville Financial's Tariff Resilience Score too high?
Harleysville Financial's current Tariff Resilience Score is 8. Based on the distribution chart, Harleysville Financial ranks #341 out of 1608 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 Tariff Resilience Score compare to KTHN and MPCB?
According to the Banks industry distribution chart, Harleysville Financial ranks #341 out of 1608 companies for Tariff Resilience Score. This places Harleysville Financial in the top 21% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Harleysville Financial's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Harleysville Financial (HARL), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • 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

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

$33.12
Price
$27.97
GF Value