Harleysville Financial Corporation (HARL)

Harleysville Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is October - September.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb 26, 2026	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Market Capitalization	97	87	80	83	95	96
Market Cap Growth	20.22%	9.22%	-3.71%	-12.53%	-0.83%	16.25%
Last Close Price	27.05	23.68	20.23	18.65	19.23	18.54
PE Ratio	9.66	9.15	9.02	6.79	10.79	13.13
PS Ratio	3.12	2.95	2.87	2.51	3.53	3.78
PB Ratio	1.05	0.96	0.92	0.95	1.12	1.19
P/FCF Ratio	-	9.21	10.34	7.24	8.69	10.57
P/OCF Ratio	-	8.84	9.88	6.98	8.60	10.41
Debt / Equity Ratio	1.70	1.80	1.25	1.16	0.76	1.00
Debt / FCF Ratio	-	17.16	14.08	8.80	5.93	8.90
Net Debt / Equity Ratio	1.57	1.70	1.14	1.03	-0.84	-1.55
Net Debt / FCF Ratio	-	16.24	12.79	7.87	-6.50	-13.84
Return on Equity (ROE)	11.35%	10.76%	10.19%	14.21%	10.62%	9.14%
Return on Assets (ROA)	1.13%	1.06%	1.04%	1.39%	0.97%	0.83%
Earnings Yield	10.53%	10.93%	11.09%	14.74%	9.27%	7.62%
FCF Yield	-	10.86%	9.68%	13.82%	11.51%	9.46%
Dividend Yield	5.18%	5.57%	6.13%	6.44%	6.03%	6.04%
Payout Ratio	-	49.35%	100.10%	71.32%	48.75%	57.18%
Buyback Yield / Dilution	0.10%	-0.08%	1.83%	1.08%	0.64%	0.53%
Total Shareholder Return	5.27%	5.50%	7.96%	7.52%	6.67%	6.57%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.