Harleysville Savings Financial (OTCMKTS:HARL) & Community Heritage Financial (OTCMKTS:CMHF) Head to Head Survey

Profitability

This table compares Community Heritage Financial and Harleysville Savings Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Heritage Financial	N/A	N/A	N/A
Harleysville Savings Financial	24.82%	13.28%	1.30%

Dividends

Community Heritage Financial pays an annual dividend of $0.32 per share and has a dividend yield of 0.9%. Harleysville Savings Financial pays an annual dividend of $1.40 per share and has a dividend yield of 4.5%. Community Heritage Financial pays out 9.8% of its earnings in the form of a dividend. Harleysville Savings Financial pays out 41.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Insider & Institutional Ownership

12.2% of Community Heritage Financial shares are owned by institutional investors. Comparatively, 1.2% of Harleysville Savings Financial shares are owned by institutional investors. 14.5% of Harleysville Savings Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Risk & Volatility

Community Heritage Financial has a beta of 0.32, suggesting that its stock price is 68% less volatile than the S&P 500. Comparatively, Harleysville Savings Financial has a beta of 0.23, suggesting that its stock price is 77% less volatile than the S&P 500.

Earnings and Valuation

This table compares Community Heritage Financial and Harleysville Savings Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Heritage Financial	$60.49 million	1.74	$9.65 million	$3.27	10.90
Harleysville Savings Financial	$43.61 million	2.53	$9.53 million	$3.40	9.12

Community Heritage Financial has higher revenue and earnings than Harleysville Savings Financial. Harleysville Savings Financial is trading at a lower price-to-earnings ratio than Community Heritage Financial, indicating that it is currently the more affordable of the two stocks.

Summary

Harleysville Savings Financial beats Community Heritage Financial on 7 of the 13 factors compared between the two stocks.

About Community Heritage Financial

Community Heritage Financial, Inc. operates as the bank holding company for Middletown Valley Bank that provides retail and commercial banking services to individuals and businesses in Frederick and Washington counties in Maryland and Franklin County, Pennsylvania. Its primary deposit products include demand, savings, and time deposits, as well as lending products comprise real estate mortgages, commercial business loans, and instalment loans. The company also offers mortgage financing, new home purchases, refinancing, and construction lending in Middletown, Crofton, and Oakland, Maryland. The company was founded in 1908 and is based in Middletown, Maryland.

About Harleysville Savings Financial

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides various banking products and services in Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts, as well as certificates of deposits. It also provides consumer loans, including residential mortgages, savings account loans, and home equity line of credit, construction, and non-real estate consumer loans; and commercial loans, such as commercial mortgages, line of credit, and commercial business loans. In addition, the company offers online banking and bill payment, mobile and telephone banking, remote deposit, debit cards, automated clearing house processing, sweep accounts, zero balance accounts, employee services, 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. Its primary market area includes Montgomery County and Bucks County. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. Harleysville Financial Corporation was founded in 1915 and is headquartered in Harleysville, Pennsylvania.