OTCPK:HFBA

Stock Analysis Report

Executive Summary

HFB Financial Corporation operates as the bank holding company for Home Federal Bank Corporation that provides various banking and financial services to individuals and corporate customers.

Snowflake

Fundamentals

Not a dividend payer with weak fundamentals.

Share Price & News

How has HFB Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

HFBA

1.2%

US Banks

0.6%

US Market


1 Year Return

n/a

HFBA

0.03%

US Banks

6.2%

US Market

Return vs Industry: Insufficient data to determine how HFBA performed against the US Banks industry.

Return vs Market: Insufficient data to determine how HFBA performed against the US Market.


Share holder returns

HFBAIndustryMarket
7 Day0%1.2%0.6%
30 Day0%-2.2%-1.8%
90 Dayn/a-0.06%-2.0%
1 Yearn/a2.9%0.03%8.6%6.2%
3 Year30.8%21.0%51.4%40.9%45.7%36.3%
5 Year70.2%48.3%70.7%52.1%68.5%50.0%

Price Volatility Vs. Market

How volatile is HFB Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is HFB Financial undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Undervalued: HFBA ($30.25) is trading above our estimate of fair value ($9.34)

Significantly Undervalued: HFBA is trading above our estimate of fair value.


Price Based on Earnings

PE vs Industry: Insufficient data to calculate HFBA's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate HFBA's PE Ratio to determine if it is good value compared to the US market.


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate HFBA's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: Insufficient data to calculate HFBA's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is HFB Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.3%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as HFB Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of HFBA’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access HFB Financial's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has HFB Financial performed over the past 5 years?

15.4%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, HFB Financial has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at HFB Financial's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access HFB Financial's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is HFB Financial's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse HFB Financial's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. HFB Financial has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of HFBA’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when HFB Financial's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is HFB Financial's current dividend yield, its reliability and sustainability?

2.31%

Current Dividend Yield


Dividend Yield vs Market

company2.3%marketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: HFBA's dividend (2.31%) is higher than the bottom 25% of dividend payers in the US market (1.46%).

High Dividend: HFBA's dividend (2.31%) is low compared to the top 25% of dividend payers in the US market (3.77%).

Stable Dividend: Whilst dividend payments have been stable, HFBA has been paying a dividend for less than 10 years.

Growing Dividend: HFBA has only been paying a dividend for 7 years, and since then payments have not increased.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of HFB Financial's salary, the management and board of directors tenure and is there insider trading?

18.8yrs

Average board tenure


CEO

D. Cook (39yo)

7.3yrs

Tenure

0

Mr. D. Alex Cook serves as President and Chief Executive Officer HFB Financial Corporation and Home Federal Bank Corporation. Mr. Cook attended Eastern Kentucky University where he obtained a Bachelors Deg ...


Board Age and Tenure

18.8yrs

Average Tenure

67.5yo

Average Age

Experienced Board: HFBA's board of directors are seasoned and experienced ( 18.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Stanley Alexander (70yo)

    CFO, Principal Accounting Officer and CFO - Home Federal Bank Corporation

    • Tenure: 0yrs
    • Compensation: US$123.04k
  • Earl Burchfield (89yo)

    Secretary

    • Tenure: 43.8yrs
  • David Cook (69yo)

    Co-Chairman & Secretary

    • Tenure: 7.8yrs
    • Compensation: US$213.08k
  • Ken Jones (62yo)

    Chief Ops Officer and Director

    • Tenure: 18.8yrs
    • Compensation: US$148.96k
  • John Moore

    Executive VP

    • Tenure: 0yrs
  • D. Cook (39yo)

    President & CEO

    • Tenure: 7.3yrs

Board Members

  • Earl Burchfield (89yo)

    Secretary

    • Tenure: 43.8yrs
  • David Cook (69yo)

    Co-Chairman & Secretary

    • Tenure: 7.8yrs
    • Compensation: US$213.08k
  • Robert Costanzo (62yo)

    Co-Chairman of the Board

    • Tenure: 27.8yrs
  • Frances Rasnic (70yo)

    Director and Director - Home Federal Bank Corporation

    • Tenure: 23.8yrs
  • Ken Jones (62yo)

    Chief Ops Officer and Director

    • Tenure: 18.8yrs
    • Compensation: US$148.96k
  • Roger Roper (73yo)

    Director Emeritus

    • Tenure: 0yrs
  • D. Cook (39yo)

    President & CEO

    • Tenure: 7.3yrs
  • Joe Coker (66yo)

    Director

    • Tenure: 15.8yrs
  • J. Alexander

    Director

    • Tenure: 0yrs

Company Information

HFB Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: HFB Financial Corporation
  • Ticker: HFBA
  • Exchange: OTCPK
  • Founded: 1920
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$48.542m
  • Shares outstanding: 1.60m
  • Website: https://www.homefederalbank.com

Location

  • HFB Financial Corporation
  • 1602 Cumberland Avenue
  • Middlesboro
  • Kentucky
  • 40965
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HFBAOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 1994

Biography

HFB Financial Corporation operates as the bank holding company for Home Federal Bank Corporation that provides various banking and financial services to individuals and corporate customers. The company off ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/12 23:54
End of Day Share Price2019/08/29 00:00
Earnings2012/12/31
Annual Earnings2012/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

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