HARL:OTCQX-Harleysville Savings Financial Corp (USD)

COMMON STOCK | Banks - Regional | OTCQX Marketplace

Last Closing

USD 21.185

Change

-0.62 (-2.82)%

Market Cap

USD 0.08B

Volume

201.00

Analyst Target

N/A
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Harleysville Savings Financial Corp attracts deposits from the general public and business customers through deposit programs and invests such deposits in first mortgage loans secured by residential properties in the company's primary market area.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-03-27 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
CIHHF China Merchants Bank Co Ltd Cl..

N/A

USD 118.29B
CIHKY China Merchants Bank Co Ltd

N/A

USD 110.06B
SBKFF State Bank of India

N/A

USD 97.33B
BNPQY BNP Paribas SA ADR

N/A

USD 82.96B
BNPQF BNP Paribas SA

N/A

USD 82.96B
PBCRY Bank Central Asia Tbk PT ADR

N/A

USD 76.13B
PBCRF PT Bank Central Asia Tbk

N/A

USD 75.60B
DBSDF DBS Group Holdings Ltd

N/A

USD 73.04B
DBSDY DBS Group Holdings Ltd ADR

N/A

USD 69.03B
ISNPY Intesa Sanpaolo SpA PK

N/A

USD 64.36B

ETFs Containing HARL

PINC:CA Purpose Multi-Asset Incom.. 2.78 % 0.99 %

N/A

CAD 0.06B
ZIN:CA BMO S&P/TSX Equal Weight .. 0.00 % 0.59 %

N/A

CAD 0.05B

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange (OTCQX Marketplace)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -4.10% 32% F 43% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -4.10% 28% F 42% F
Trailing 12 Months  
Capital Gain -13.53% 24% F 49% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -13.53% 21% F 47% F
Trailing 5 Years  
Capital Gain -10.04% 45% F 60% D-
Dividend Return 6.62% 22% F 21% F
Total Return -3.42% 42% F 60% D-
Average Annual (5 Year Horizon)  
Capital Gain -0.98% 35% F 37% F
Dividend Return 0.16% 30% F 35% F
Total Return 1.15% 25% F 24% F
Risk Return Profile  
Volatility (Standard Deviation) 11.43% 93% A 96% N/A
Risk Adjusted Return 1.44% 31% F 36% F
Market Capitalization 0.08B 50% F 55% F

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector