Harleysville Financial Corporation

$ 28.70 0.00 %

Harleysville Financial Corporation functions as the parent entity for Harleysville Bank, offering a comprehensive suite of banking and financial services primarily within southeastern Pennsylvania. Its core offerings include a range of deposit accounts such as savings, money market, and checking, alongside certificates of deposit. The institution provides diverse lending options, encompassing consumer loans like residential mortgages, construction loans, home equity lines, auto loans, and other non-real estate personal financing. For businesses, it extends commercial real estate mortgages, term loans, and various lines of credit. Beyond traditional banking, clients benefit from modern conveniences such as online and mobile banking platforms, bill payment services, debit cards, telephone banking, remote deposit capabilities, and advanced cash management tools including ACH processing, sweep accounts, and zero balance accounts. Furthermore, Harleysville Financial offers extensive investment advisory and wealth management services. These include financial consultation, planning for wealth, education, retirement, and estates, as well as investment strategy and asset allocation guidance. To support these strategies, the company makes available a broad array of investment products like fixed and variable annuities, mutual funds, stocks, bonds, various life and disability insurance policies, long-term care insurance, tax-advantaged investments, individual retirement accounts (IRAs) and other retirement plans, wrap accounts, and unit investment trusts. Its operations are supported by a network of seven full-service branch locations: six situated in Montgomery County and one in Bucks County, all within Pennsylvania. Established in 1915, the corporation maintains its headquarters in Harleysville, Pennsylvania. It adopted its current name, Harleysville Financial Corporation, in May 2017, having previously traded as Harleysville Savings Financial Corporation.

CEO: Brendan J. McGill - https://www.harleysvillebank.com

Price objectif

-

Recommandation

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DCF

$ 73.52

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HARL vs S&P500

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Quick ratio

0.02

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

8.78

may indicate that the company is undervalued or has poor growth prospects.

EPS

3.27

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

12.97 %

reflects reasonable profitability, showing good use of equity.

ROIC

4.64 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

6.08

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.59

means it relies more on debt, which can increase financial risk.

Free cash flow per share

2.64

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

39.62 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
-0.69 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.02 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.16 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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