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Harleysville Financial Corporation
HARLFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $43.61M | 21.9% | $9.55M | $9.46M | N/A |
| 2027 | $47.97M | 21.9% | $10.51M | $10.41M | $9.46M |
| 2028 | $52.77M | 21.9% | $11.56M | $11.45M | $9.46M |
| 2029 | $58.04M | 21.9% | $12.71M | $12.60M | $9.46M |
| 2030 | $63.85M | 21.9% | $13.98M | $13.86M | $9.46M |
| 2031 | $70.23M | 21.9% | $15.38M | $15.24M | $9.46M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.61 | 2025-09-30 |
| EPS growth | +8.6% | Forecast years: 5 |
| Future EPS | $3.943 | EPS × (1 + G)^5 |
| Base P/E | 9.2 | P/E |
| Future price | $36.272 | Future EPS × P/E |
| Fair value today | $22.522 | PV @ 10.0% |
| 30% safety price | $15.766 | Margin of safety |
| 50% safety price | $11.261 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $10.909 | $18.037 | $27.755 |
| 10.0% | $3.711 | $8.966 | $15.837 |
| 11.0% | -$1.963 | $2.038 | $7.106 |