Home Loan Financial
Market Cap
US$49.9m
Last Updated
2019/08/22 23:41 UTC
Data Sources
Company Financials
Executive Summary
Home Loan Financial Corporation operates as the holding company for The Home Loan Savings Bank that provides various banking products and services in the United States.
Snowflake
Fundamentals
Adequate balance sheet with acceptable track record.
Risks
- Home Loan Financial is not covered by any analysts.
Share Price & News
How has Home Loan Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.4%
OTCPK:HLFN
2.1%
US Mortgage
2.1%
US Market
1 Year Return
17.0%
OTCPK:HLFN
-0.7%
US Mortgage
-0.04%
US Market
HLFN outperformed the Mortgage industry which returned -1.5% over the past year.
HLFN outperformed the Market in United States of America which returned 0.2% over the past year.
Share holder returns
| HLFN | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.4% | 2.1% | 2.1% |
| 30 Day | 1.3% | -1.9% | -3.2% |
| 90 Day | 1.9% | 0.6% | 2.8% |
| 1 Year | 23.2%17.0% | 1.4%-0.7% | 2.2%-0.04% |
| 3 Year | 64.3%40.6% | 32.9%24.1% | 41.5%32.3% |
| 5 Year | 163.1%100.0% | 59.3%42.6% | 55.0%37.8% |
Price Volatility Vs. Market
How volatile is Home Loan Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Home Loan Financial undervalued based on future cash flows and its price relative to the stock market?
13.37x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Unable to calculate intrinsic value for Home Loan Financial to establish if it is available at moderate discount.
Unable to calculate intrinsic value for Home Loan Financial to establish if it is available at substantial discount.
Price Based on Earnings
Home Loan Financial is good value based on earnings compared to the US Mortgage industry average.
Home Loan Financial is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Home Loan Financial, we can't assess if its growth is good value.
Price Based on Value of Assets
Home Loan Financial is overvalued based on assets compared to the US Mortgage industry average.
Next Steps
Future Growth
How is Home Loan Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
-1.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Home Loan Financial is high growth as no revenue estimate data is available.
Home Loan Financial's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
Unable to compare Home Loan Financial's revenue growth to the United States of America market average as no estimate data is available.
Home Loan Financial's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
Home Loan Financial's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Home Loan Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Home Loan Financial performed over the past 5 years?
4.3%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Home Loan Financial's year on year earnings growth rate has been positive over the past 5 years.
Home Loan Financial's 1-year earnings growth exceeds its 5-year average (16.1% vs 4.3%)
Home Loan Financial's earnings growth has not exceeded the US Mortgage industry average in the past year (16.1% vs 32.9%).
Return on Equity
Home Loan Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Home Loan Financial used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Home Loan Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is Home Loan Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
Home Loan Financial has an acceptable proportion of non-loan assets held.
Unable to establish if Home Loan Financial has a sufficient allowance for bad loans without relevant financial data.
Home Loan Financial's liabilities are made up of primarily low risk sources of funding.
Home Loan Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at Home Loan Financial are broadly funded by customer deposits.
Unable to establish if Home Loan Financial has an acceptable level of bad loans without bad loans data.
Next Steps
Dividend
What is Home Loan Financial's current dividend yield, its reliability and sustainability?
Dividend Yield and Payments Analysis
Unable to evaluate Home Loan Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
Unable to evaluate Home Loan Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
Unable to perform a dividend volatility check as Home Loan Financial has not reported any payouts.
Unable to verify if Home Loan Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to Shareholders
Unable to calculate sustainability of dividends as Home Loan Financial has not reported any payouts.
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of Home Loan Financial's salary, the management and board of directors tenure and is there insider trading?
14.6yrs
Average board tenure
CEO
Kyle Hamilton (48yo)
2.6yrs
Tenure
US$121,154
Compensation
Mr. Kyle R. Hamilton has been President of Home Loan Financial Corp. since October 2002. Mr. Hamilton serves as the President and Chief Operating Officer of The Home Loan Savings Bank and of Home Loan Fina ...
Board Age and Tenure
14.6yrs
Average Tenure
71yo
Average Age
The average tenure for the Home Loan Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Insider Trading
No 3 month open market individual insider trading information.
Management Team
Kyle Hamilton (48yo)
President & CEO
- Tenure: 2.6yrs
- Compensation: US$121.15k
Thomas Conidi (57yo)
Executive VP & Director
- Tenure: 3.4yrs
Patricia Paul
Head of Operations & VP of the Home Loan Savings Bank
- Tenure: 0.0yrs
Breann Miller
Chief Financial Officer
- Tenure: 0.0yrs
Board Members
Robert Hamilton (76yo)
Chairman of the Board
- Tenure: 0.0yrs
- Compensation: US$285.08k
Douglas Randles (74yo)
Director
- Tenure: 22.6yrs
Neal Caldwell (75yo)
Director
- Tenure: 22.6yrs
Kyle Hamilton (48yo)
President & CEO
- Tenure: 2.6yrs
- Compensation: US$121.15k
Thomas Conidi (57yo)
Executive VP & Director
- Tenure: 3.4yrs
Richard Berg (71yo)
Director
- Tenure: 12.6yrs
Matthew Miller (44yo)
Director
- Tenure: 6.5yrs
William Unger
Director
- Tenure: 0.0yrs
Company Information
Home Loan Financial Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Home Loan Financial Corporation
- Ticker: HLFN
- Exchange: OTCPK
- Founded: 1997
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$49.941m
- Shares outstanding: 1.40m
- Website: https://www.homeloanfinancialcorp.com
Location
- Home Loan Financial Corporation
- 413 Main Street
- Coshocton
- Ohio
- 43812
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| HLFN | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Mar 1998 |
Biography
Home Loan Financial Corporation operates as the holding company for The Home Loan Savings Bank that provides various banking products and services in the United States. The company’s primary deposit produc ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/22 23:41 |
| End of Day Share Price | 2019/08/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2019/06/30 |
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.