HARL
Harleysville Financial Corporation
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Last price
34.97
▼ 0.83 (2.32%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
33.16
Prev close
35.80
Day high
35.39
Day low
33.16
Volume
2.60K
Market cap
$124.46M
P/E (TTM)
10.32
52W range
23.80 – 35.80
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
+5.59%
+7.0%
1M
+11.83%
+8.1%
3M
+24.89%
+21.8%
6M
+30.73%
+19.7%
YTD
+37.14%
+24.8%
1Y
+43.91%
+23.9%
3Y
+48.81%
-25.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$124.46M
Enterprise value$253.22M
Revenue (TTM)$34.46M
Gross profit$34.46M
EBITDA—
Net income$12.29M
EPS (TTM)$3.39
Free cash flow—
Total cash$14.26M
Total debt$143.02M
Book value / share$26.83
Shares outstanding3.56M
Float—
Short % of float0.09%
Dividend yield4.00%
Beta (5Y)0.18
Short interest
Shares short
2.88K
Prior 4.09K
Change vs prior
-29.7%
Shorts covering
% of float
0.09%
Normal
% of shares out
0.08%
Against total outstanding
Days to cover
2.0
Liquid
Float
—
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Valuation & profitability ratios
Trailing P/E10.32
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.30
EV / revenue7.35
EV / EBITDA—
Gross margin0.00%
Operating margin44.09%
Profit margin35.68%
Return on equity13.33%
Return on assets1.32%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $29.70M | $27.91M | $33.06M | $27.15M | +6.4% |
| Operating revenue | $29.70M | $27.91M | $33.06M | $27.15M | +6.4% |
| Selling, general & admin | $12.13M | $11.55M | $11.17M | $10.64M | +5.0% |
| Pre-tax income | $12.40M | $11.37M | $16.37M | $11.50M | +9.1% |
| Tax provision | $2.87M | $2.51M | $4.15M | $2.71M | +14.3% |
| Net income | $9.53M | $8.86M | $12.22M | $8.79M | +7.6% |
| Net income to common | $9.53M | $8.86M | $12.22M | $8.79M | +7.6% |
| Basic EPS | 2.64 | 2.43 | 3.31 | 2.36 | +8.6% |
| Diluted EPS | 2.61 | 2.43 | 3.29 | 2.34 | +7.4% |
| Basic shares | 3.61M | 3.64M | 3.70M | 3.72M | -0.8% |
| Diluted shares | 3.65M | 3.65M | 3.72M | 3.76M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $8.71M | $9.97M | $10.65M | $135.75M | -12.7% |
| Accounts receivable | $2.79M | $2.43M | $2.17M | $1.85M | +15.1% |
| Property, plant & equipment | $8.49M | $8.62M | $8.78M | $8.84M | -1.5% |
| Total assets | $928.04M | $862.99M | $842.27M | $912.13M | +7.5% |
| Current debt | $71.42M | $45.33M | $52.19M | $14.86M | +57.6% |
| Long-term debt | $83.98M | $56.94M | $45.85M | $47.00M | +47.5% |
| Total debt | $155.41M | $102.27M | $98.05M | $61.86M | +52.0% |
| Total liabilities | $837.47M | $776.30M | $755.06M | $827.29M | +7.9% |
| Retained earnings | $90.74M | $85.91M | $85.65M | $82.14M | +5.6% |
| Shareholder equity | $90.58M | $86.69M | $87.21M | $84.84M | +4.5% |
| Net tangible assets | $90.58M | $86.69M | $87.21M | $84.84M | +4.5% |
| Shares issued | 3.92M | 3.92M | 3.92M | 3.92M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $9.53M | $8.86M | $12.22M | $8.79M | +7.6% |
| Depreciation & amortisation | $529.00K | $518.00K | $478.00K | $615.00K | +2.1% |
| Stock-based compensation | $229.00K | $226.00K | $221.00K | $224.00K | +1.3% |
| Change in working capital | -$3.00K | -$1.37M | -$782.00K | $585.00K | +99.8% |
| Operating cash flow | $9.87M | $8.09M | $11.88M | $11.03M | +22.1% |
| Capital expenditure | -$398.00K | -$358.00K | -$421.00K | -$113.00K | -11.2% |
| Investing cash flow | -$65.70M | -$20.78M | -$55.19M | -$90.39M | -216.2% |
| Share buybacks | -$1.24M | -$1.84M | -$2.27M | -$823.00K | +32.6% |
| Dividends paid | -$4.71M | -$8.87M | -$8.72M | -$4.29M | +47.0% |
| Financing cash flow | $54.57M | $12.02M | -$81.80M | $9.31M | +354.0% |
| Free cash flow | $9.47M | $7.73M | $11.46M | $10.92M | +22.6% |
| End cash position | $8.71M | $9.97M | $10.65M | $135.75M | -12.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $8.72M | $9.61M | $8.22M | $8.04M | $7.66M | -9.3% |
| Operating revenue | $8.72M | $9.61M | $8.22M | $8.04M | $7.66M | -9.3% |
| Pre-tax income | $3.85M | $4.83M | $3.62M | $3.75M | $3.24M | -20.4% |
| Tax provision | $895.00K | $1.02M | $956.00K | $884.00K | $713.00K | -12.1% |
| Net income | $2.95M | $3.81M | $2.67M | $2.87M | $2.53M | -22.6% |
| Net income to common | $2.95M | $3.81M | $2.67M | $2.87M | $2.53M | -22.6% |
| Basic EPS | 0.83 | 1.06 | 0.74 | 0.80 | 0.70 | -21.7% |
| Diluted EPS | 0.83 | 1.06 | 0.74 | 0.77 | 0.70 | -21.7% |
| Basic shares | 3.58M | 3.58M | 3.59M | 3.59M | 3.59M | -0.2% |
| Diluted shares | 3.58M | 3.61M | 3.60M | 3.72M | 3.60M | -0.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | $8.71M | — | — |
| Accounts receivable | — | — | — | $2.79M | — | — |
| Property, plant & equipment | — | — | — | $8.49M | — | — |
| Total assets | $963.27M | $957.74M | $940.06M | $928.04M | $901.84M | +0.6% |
| Current debt | — | — | — | $71.42M | — | — |
| Long-term debt | — | — | — | $83.98M | — | — |
| Total debt | — | — | — | $155.41M | — | — |
| Total liabilities | $867.78M | $863.15M | $847.95M | $837.47M | $812.80M | +0.5% |
| Retained earnings | — | — | — | $90.74M | — | — |
| Shareholder equity | $95.49M | $94.59M | $92.11M | $90.58M | $89.03M | +0.9% |
| Net tangible assets | $95.49M | $94.59M | $92.11M | $90.58M | $89.03M | +0.9% |
| Shares issued | 3.89M | 3.92M | 3.92M | 3.92M | 3.88M | -0.7% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Dec 2010 | — | 0.33 | — |
| Sep 2010 | — | 0.35 | — |
| Jun 2010 | — | 0.36 | — |
| Mar 2010 | — | 0.32 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions0.24%
Institutions holding1
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.77
+3.54% from price
SMA 20
32.53
+7.51% from price
SMA 50
30.83
+13.44% from price
SMA 100
29.27
+19.47% from price
SMA 200
27.51
+27.11% from price
EMA 12
33.87
+3.24% from price
EMA 26
32.55
+7.43% from price
EMA 50
31.29
+11.75% from price
RSI (14)
77.3
Overbought
MACD (12,26,9)
1.32
Hist 0.36
ATR (14)
0.68
1.95% of price
Realised vol 30D
24.0%
Annualised
Bollinger upper
36.18
20, 2σ
Bollinger lower
28.88
20, 2σ
50 / 200 cross
Golden
30.83 vs 27.51
Trend bias
Above 200
+27.11%
Risk profile
Beta vs SPY
0.02
Less volatile than market
Correlation to SPY
0.02
Largely independent
Realised vol 30D
24.0%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-2.9%
Peak to trough
Max drawdown 5Y
-34.5%
Peak to trough
ATR 14
0.68
1.95% of price
Beta (reported)
0.18
5Y monthly, from filing
Dividends & splits
Forward rate$1.40 / yr
Forward yield4.00%
5-year avg yield5.07%
Payout ratio40.12%
Ex-dividend dateJul 29, 2026
Next pay dateMay 13, 2026
Last split5:3
Split dateFeb 24, 2005
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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