Harleysville Financial Corporation (HARL) Income Statement Analysis

See more : Rubrik, Inc. (RBRK) Income Statement Analysis – Financial Results

Complete financial analysis of Harleysville Financial Corporation (HARL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Harleysville Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.

You may be interested

Harleysville Financial Corporation (HARL)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.harleysvillebank.com

About Harleysville Financial Corporation

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides various banking products and services primarily in southeastern Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts; and certificates of deposit. It also provides auto, mortgage, home equity, savings account, business term, and commercial real estate loans, as well as line of credit. In addition, the company offers online banking and bill payment, mobile banking, debit card, telephone banking, remote deposit, automated clearing house processing, sweep account, zero balance account, employee, and other cash management services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as offers investment products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Additionally, the company offers consumer loans, including residential mortgage, construction, and non-real estate consumer loans; and commercial loans, such as commercial mortgages and commercial business loans. It operates six full-service offices located in Montgomery County; and one office situated in Bucks County, Pennsylvania. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. The company was incorporated in 1915 and is headquartered in Harleysville, Pennsylvania.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986
Revenue	40.39M	33.06M	27.15M	25.67M	25.47M	27.65M	26.43M	23.67M	23.02M	22.38M	21.87M	21.04M	21.61M	21.53M	20.26M	18.38M	15.79M	13.37M	14.03M	14.62M	13.85M	12.97M	12.07M	10.97M	10.94M	10.00M	9.80M	9.50M	8.40M	8.00M	7.20M	7.00M	6.20M	5.20M	4.50M	3.80M	0.00	0.00	0.00
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	40.39M	33.06M	27.15M	25.67M	25.47M	27.65M	26.43M	23.67M	23.02M	22.38M	21.87M	21.04M	21.61M	21.53M	20.26M	18.38M	15.79M	13.37M	14.03M	14.62M	13.85M	12.97M	12.07M	10.97M	10.94M	10.00M	9.80M	9.50M	8.40M	8.00M	7.20M	7.00M	6.20M	5.20M	4.50M	3.80M	0.00	0.00	0.00
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	0.00%	0.00%	0.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	0.00	11.17M	10.64M	10.25M	10.21M	10.26M	10.28M	9.69M	9.54M	9.81M	9.35M	8.91M	9.04M	8.87M	8.50M	7.87M	5.76M	4.98M	4.62M	4.15M	3.90M	3.63M	3.36M	3.03M	2.73M	2.40M	2.20M	2.10M	2.00M	1.80M	1.70M	1.50M	1.40M	1.30M	1.20M	1.00M	0.00	0.00	0.00
Selling & Marketing	0.00	10.59M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	0.00	11.17M	10.64M	10.25M	10.21M	10.26M	10.28M	9.69M	9.54M	9.81M	9.35M	8.91M	9.04M	8.87M	8.50M	7.87M	5.76M	4.98M	4.62M	4.15M	3.90M	3.63M	3.36M	3.03M	2.73M	2.40M	2.20M	2.10M	2.00M	1.80M	1.70M	1.50M	1.40M	1.30M	1.20M	1.00M	0.00	0.00	0.00
Other Expenses	27.91M	-27.86M	-23.14M	-21.23M	-19.62M	-19.65M	-26.72M	-5.04M	-4.76M	0.00	0.00	0.00	-23.46M	-23.15M	-21.80M	449.00K	252.00K	-14.20M	-13.19M	-12.07M	-11.29M	-10.53M	-9.80M	-8.86M	-8.11M	-7.30M	-6.90M	-6.40M	-8.00M	-6.10M	-5.40M	-5.20M	-4.70M	-4.40M	-3.80M	-3.20M	1.20M	1.00M	1.00M
Operating Expenses	27.91M	-16.69M	-12.50M	-10.98M	-9.42M	-9.39M	-16.44M	5.04M	4.76M	14.15M	13.63M	12.98M	-14.42M	-14.28M	-13.30M	8.32M	6.01M	-9.22M	-8.57M	-7.92M	-7.40M	-6.90M	-6.43M	-5.83M	-5.38M	-4.90M	-4.70M	-4.30M	-6.00M	-4.30M	-3.70M	-3.70M	-3.30M	-3.10M	-2.60M	-2.20M	1.20M	1.00M	1.00M
Cost & Expenses	27.91M	-16.69M	-12.50M	-10.98M	-9.42M	-9.39M	-16.44M	22.77M	22.82M	14.15M	13.63M	12.98M	-14.42M	-14.28M	-13.30M	8.32M	6.01M	-9.22M	-8.57M	-7.92M	-7.40M	-6.90M	-6.43M	-5.83M	-5.38M	-4.90M	-4.70M	-4.30M	-6.00M	-4.30M	-3.70M	-3.70M	-3.30M	-3.10M	-2.60M	-2.20M	1.20M	1.00M	1.00M
Interest Income	37.80M	34.19M	27.31M	27.32M	29.61M	31.62M	30.33M	28.56M	28.70M	28.79M	29.24M	30.58M	34.53M	37.57M	40.02M	41.33M	43.08M	40.29M	39.09M	35.90M	32.64M	33.09M	35.18M	36.30M	33.18M	29.70M	27.10M	24.50M	21.00M	18.20M	15.10M	14.80M	15.30M	15.60M	14.30M	12.50M	0.00	0.00	0.00
Interest Expense	12.48M	3.88M	3.16M	4.83M	6.68M	7.05M	6.77M	7.50M	8.15M	8.82M	10.16M	12.53M	15.10M	19.03M	21.75M	24.89M	29.02M	28.81M	26.37M	22.75M	20.39M	21.67M	24.23M	26.58M	22.80M	20.20M	17.90M	15.40M	13.00M	10.70M	8.30M	8.40M	9.60M	10.80M	10.10M	9.00M	0.00	0.00	0.00
Depreciation & Amortization	0.00	478.00K	615.00K	675.00K	700.00K	722.00K	739.00K	610.00K	571.00K	563.00K	589.00K	605.00K	611.00K	615.00K	570.00K	469.00K	523.00K	697.71K	722.79K	974.17K	24.50K	-1.36M	-141.63K	447.77K	287.42K	0.00	-100.00K	-100.00K	0.00	0.00	-100.00K	200.00K	200.00K	200.00K	100.00K	100.00K	0.00	0.00	0.00
EBITDA	11.37M	16.85M	12.11M	10.53M	10.57M	11.94M	10.37M	9.00M	8.91M	7.92M	7.95M	7.78M	7.80M	7.87M	7.53M	6.47M	6.13M	4.85M	6.18M	7.67M	6.48M	0.00	0.00	0.00	0.00	5.10M	0.00	0.00	2.40M	3.70M	0.00	0.00	0.00	0.00	0.00	0.00	1.20M	1.00M	1.00M
EBITDA Ratio	28.15%	50.97%	56.24%	59.84%	65.78%	68.66%	40.59%	38.03%	38.73%	35.40%	36.33%	36.96%	36.10%	36.54%	37.15%	35.21%	38.85%	36.30%	44.06%	52.46%	46.77%	36.34%	45.51%	50.90%	53.44%	51.00%	51.02%	53.68%	28.57%	46.25%	47.22%	50.00%	50.00%	44.23%	44.44%	44.74%	0.00%	0.00%	0.00%
Operating Income	-12.48M	16.37M	14.65M	14.68M	16.05M	18.27M	9.99M	8.39M	8.34M	7.36M	7.36M	7.17M	7.19M	7.25M	6.96M	6.00M	5.61M	4.16M	5.46M	6.70M	6.45M	6.07M	5.63M	5.13M	5.56M	5.10M	5.10M	5.20M	2.40M	3.70M	3.50M	3.30M	2.90M	2.10M	1.90M	1.60M	1.20M	1.00M	1.00M
Operating Income Ratio	-30.90%	49.52%	53.97%	57.21%	63.03%	66.05%	37.80%	35.45%	36.25%	32.88%	33.64%	34.08%	33.27%	33.68%	34.34%	32.65%	35.54%	31.08%	38.91%	45.80%	46.59%	46.81%	46.68%	46.82%	50.82%	51.00%	52.04%	54.74%	28.57%	46.25%	48.61%	47.14%	46.77%	40.38%	42.22%	42.11%	0.00%	0.00%	0.00%
Total Other Income/Expenses	23.85M	-4.43M	-3.57M	-4.04M	-3.75M	-3.92M	-4.08M	-3.82M	-3.70M	-3.65M	-3.55M	-3.30M	-611.00K	-615.00K	-570.00K	-449.00K	-252.00K	0.00	0.00	0.00	0.00	-20.31M	-24.08M	-27.03M	-23.08M	-9.80M	-17.80M	-15.30M	-12.00M	-8.60M	-8.20M	-8.60M	-9.80M	-11.00M	-10.20M	-9.10M	0.00	0.00	0.00
Income Before Tax	11.37M	16.37M	11.50M	9.85M	9.37M	11.21M	9.99M	8.39M	8.34M	7.36M	7.36M	7.17M	7.19M	7.25M	6.96M	6.00M	5.61M	4.16M	5.46M	6.70M	6.45M	6.07M	5.63M	5.13M	5.56M	5.10M	5.10M	5.20M	2.40M	3.70M	3.50M	3.30M	2.90M	2.10M	1.90M	1.60M	0.00	0.00	0.00
Income Before Tax Ratio	28.15%	49.52%	42.34%	38.38%	36.79%	40.55%	37.80%	35.45%	36.25%	32.88%	33.64%	34.08%	33.27%	33.68%	34.34%	32.65%	35.54%	31.08%	38.91%	45.80%	46.59%	46.81%	46.68%	46.82%	50.82%	51.00%	52.04%	54.74%	28.57%	46.25%	48.61%	47.14%	46.77%	40.38%	42.22%	42.11%	0.00%	0.00%	0.00%
Income Tax Expense	2.51M	4.15M	2.71M	2.57M	2.26M	3.06M	2.88M	2.74M	2.86M	2.43M	2.44M	2.36M	2.14M	1.86M	1.95M	1.29M	1.23M	911.00K	1.26M	1.69M	1.60M	1.48M	1.22M	1.22M	1.70M	1.60M	1.60M	1.80M	800.00K	1.40M	1.30M	1.30M	1.20M	800.00K	800.00K	600.00K	-1.20M	-1.00M	-1.00M
Net Income	8.86M	12.22M	8.79M	7.28M	7.11M	8.15M	7.11M	5.65M	5.48M	4.93M	4.92M	4.81M	5.05M	5.40M	5.01M	4.72M	4.38M	3.25M	4.20M	5.00M	4.85M	4.59M	4.42M	3.92M	3.86M	3.50M	3.50M	3.40M	1.60M	2.30M	2.20M	2.00M	1.70M	1.30M	1.10M	1.00M	1.20M	1.00M	1.00M
Net Income Ratio	21.94%	36.97%	32.37%	28.38%	27.92%	29.47%	26.90%	23.87%	23.81%	22.01%	22.48%	22.87%	23.38%	25.06%	24.72%	25.66%	27.73%	24.27%	29.96%	34.22%	35.01%	35.43%	36.59%	35.70%	35.26%	35.00%	35.71%	35.79%	19.05%	28.75%	30.56%	28.57%	27.42%	25.00%	24.44%	26.32%	0.00%	0.00%	0.00%
EPS	2.43	3.31	2.36	1.95	1.89	2.17	1.89	1.51	1.48	1.33	1.30	1.28	1.35	1.45	1.37	1.31	1.20	0.85	1.09	1.29	1.28	1.21	1.18	1.06	1.03	0.94	0.94	0.94	0.44	0.67	0.62	0.37	0.74	0.35	0.34	0.32	0.35	0.31	0.29
EPS Diluted	2.43	3.29	2.34	1.93	1.87	2.13	1.85	1.48	1.45	1.30	1.27	1.25	1.33	1.44	1.36	1.31	1.20	0.83	1.08	1.27	1.25	1.19	1.16	1.04	1.02	0.92	0.91	0.91	0.43	0.65	0.61	0.37	0.74	0.35	0.34	0.32	0.35	0.31	0.29
Weighted Avg Shares Out	3.64M	3.70M	3.72M	3.74M	3.76M	3.76M	3.76M	3.73M	3.70M	3.71M	3.79M	3.77M	3.75M	3.73M	3.66M	3.60M	3.64M	3.83M	3.87M	3.87M	3.80M	3.78M	3.75M	3.71M	3.75M	3.74M	3.72M	3.63M	3.65M	3.45M	3.53M	5.38M	2.30M	3.67M	3.27M	3.14M	3.39M	3.21M	3.40M
Weighted Avg Shares Out (Dil)	3.65M	3.72M	3.76M	3.78M	3.80M	3.82M	3.84M	3.82M	3.78M	3.79M	3.86M	3.86M	3.81M	3.76M	3.69M	3.61M	3.66M	3.90M	3.90M	3.94M	3.89M	3.87M	3.82M	3.76M	3.79M	3.82M	3.84M	3.73M	3.76M	3.55M	3.63M	5.38M	2.30M	3.67M	3.27M	3.14M	3.39M	3.21M	3.40M

Harleysville Financial Corporation Announces Earnings for the Fiscal Year Ended September 30, 2024, and the Declaration of Regular Cash Dividend.

October 16, 2024businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company's Board of Directors declared a regular quarterly cash dividend of $.31 per share on the Company's common stock. The cash dividend will be payable on November 13, 2024 to...

Harleysville Financial Corporation Announces Regular Cash Dividend and Third Quarter Earnings for Fiscal Year 2024

July 17, 2024businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company's board of directors declared a regular quarterly cash dividend of $.31 per share on the Company's common stock. The cash dividend will be payable on August 14, 2024 to...

Harleysville Financial Corporation Announces Regular Cash Dividend and Second Quarter Earnings for Fiscal Year 2024

April 17, 2024businesswire.com

Harleysville Financial Corporation Announces Quarterly Earnings and a 3.3% Increase of the Regular Cash Dividend for the First Fiscal Quarter 2024

January 24, 2024businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company's Board of Directors declared a regular quarterly cash dividend of $.31 per share on the Company's common stock. This represents an increase of 3.3% or $.01 per share from...

Harleysville Financial Corporation Announces the Declaration of Special Cash Dividend

November 15, 2023businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company's Board of Directors declared a special cash dividend of $1.20 per share on the Company's common stock. The special cash dividend will be payable on December 13, 2023 to...

Harleysville Financial Corporation Announces Record Earnings for the Fiscal Year Ended September 30, 2023, and the Declaration of Regular Cash Dividend

October 18, 2023businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company's Board of Directors declared a regular quarterly cash dividend of $.30 per share on the Company's common stock. The cash dividend will be payable on November 15, 2023 to...

Harleysville Financial Corporation Announces the Approval of a 5% Stock Repurchase Program

September 14, 2023businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (the “Company”) (OTCQX: HARL) announced today that the Board of Directors has approved the commencement of a new stock repurchase program (“Repurchase Program”) of up to 183,000 shares or approximately 5% of the Company's outstanding...

Harleysville Financial Corporation Announces Regular Cash Dividend and Third Quarter Earnings for Fiscal Year 2023

July 19, 2023businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company's board of directors declared a regular quarterly cash dividend of $.30 per share on the Company's common stock. The cash dividend will be payable on August 16, 2023 to...

Harleysville Financial Corporation Announces Regular Cash Dividend and Third Quarter Earnings for Fiscal Year 2021

July 21, 2021businesswire.com

HARLEYSVILLE, Pa.--(BUSINESS WIRE)--Harleysville Financial Corporation (OTCQX:HARL) reported today that the Company’s board of directors declared a regular quarterly cash dividend of $.28 per share on the Company’s common stock. The cash dividend will be payable on August 18, 2021 to...