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Harleysville FinancialHARL +2.70%67 5-Year Yield-on-Cost % is 5.07 as of Aug. 16, 2026, which is 8% below its 10-year median of 5.49. 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 1,256 Banks companies, Harleysville Financial ranks better than 65.76% on this metric.
Harleysville Financial's yield on cost for the quarter that ended in Jun. 2026 was 5.07.
The historical rank and industry rank for Harleysville Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
HARL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.15 Med: 5.49 Max: 7.11
Current: 5.07
During the past 13 years, Harleysville Financial's highest Yield on Cost was 7.11. The lowest was 4.15. And the median was 5.49.
HARL's 5-Year Yield-on-Cost % is ranked better than 65.76% of 1256
companies
in the Banks industry
Industry Median: 3.81
vs HARL: 5.07
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Harleysville Financial 5-Year Yield-on-Cost % Related Terms
HARL vs KTHN, MPCB, NMBF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Harleysville Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Harleysville Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Harleysville Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Harleysville Financial (HARL) has a 5-Year Yield-on-Cost % of 5.07 as of Aug. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Harleysville Financial and its competitors. This is near median its historical median of 5.49. Over the past decade, Harleysville Financial's 5-Year Yield-on-Cost % has ranged from 4.15 to 7.11. According to the industry distribution chart, Harleysville Financial ranks #430 out of 1256 companies in the Banks industry, placing it in the top 34.2%.
Is Harleysville Financial's 5-Year Yield-on-Cost % too high?
Harleysville Financial's current 5-Year Yield-on-Cost % of 5.07 is near median its 10-year median of 5.49. Over the past 10 years, this metric has ranged from a low of 4.15 to a high of 7.11. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Harleysville Financial's value of 5.07 is 33.1% above this industry median. Based on the distribution chart, Harleysville Financial ranks #430 out of 1256 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 5-Year Yield-on-Cost % compare to KTHN and MPCB?
According to the Banks industry distribution chart, Harleysville Financial ranks #430 out of 1256 companies for 5-Year Yield-on-Cost %. This puts Harleysville Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Harleysville Financial's value of 5.07 is 33.1% above this benchmark. Historically, Harleysville Financial's own 5-Year Yield-on-Cost % has ranged from 4.15 to 7.11 over the past decade. While the company's 10-year median is 5.49 vs. the industry median of 3.81, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harleysville Financial's current 5-Year Yield-on-Cost % of 5.07 is 33.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Harleysville Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harleysville Financial's current 5-Year Yield-on-Cost % is 5.07, which is near median its own 10-year median of 5.49. 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 5-Year Yield-on-Cost % is 5.07, which is near median its 10-year median of 5.49 and 33.1% above the Banks industry median of 3.81. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Harleysville Financial (HARL), the current 5-Year Yield-on-Cost % is 5.07 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:
5-Year Yield-on-Cost %: 5.07 (near median its 10-year median of 5.49)
GF Value™: $27.97 vs. price of $33.12 (18.4% above fair value)
Industry Position: 33.1% above the Banks median (#430 of 1256)
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
Get the complete analysis for HARL
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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