HLFN Stock Overview

A unitary thrift holding company, provides various banking products and services in the United States. More details

HLFN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 56% below our estimate of its fair value

Earnings grew by 13.3% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($45M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Home Loan Financial Corporation Competitors

Eastern Michigan Financial

OTCPK:EFIN

US$45.9m

Brunswick Bancorp

OTCPK:BRBW

US$45.5m

Chino Commercial Bancorp

OTCPK:CCBC

US$44.3m

Partners Bank of California

OTCPK:PBKX

US$44.9m

Price History & Performance

Summary of share price highs, lows and changes for Home Loan Financial
Historical stock prices
Current Share Price	US$32.65
52 Week High	US$33.00
52 Week Low	US$26.15
Beta	0.40
1 Month Change	-1.00%
3 Month Change	n/a
1 Year Change	18.51%
3 Year Change	-1.06%
5 Year Change	-9.18%
Change since IPO	114.53%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	HLFN	US Banks	US Market
7D	0.5%	-1.5%	-2.6%
1Y	18.5%	28.9%	24.5%

Return vs Industry: HLFN underperformed the US Banks industry which returned 28.9% over the past year.

Return vs Market: HLFN underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is HLFN's price volatile compared to industry and market?
HLFN volatility
HLFN Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: HLFN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine HLFN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1997	n/a	Robert Hamilton	www.homeloanfinancialcorp.com

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. Its primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. The company also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards.

Home Loan Financial Corporation Fundamentals Summary

How do Home Loan Financial's earnings and revenue compare to its market cap?
HLFN fundamental statistics
Market cap	US$45.20m
Earnings (TTM)	US$5.94m
Revenue (TTM)	US$15.06m

7.7x

P/E Ratio

1.2x

P/B Ratio

Is HLFN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HLFN income statement (TTM)
Revenue	US$15.06m
Cost of Revenue	US$0
Gross Profit	US$15.06m
Other Expenses	US$9.12m
Earnings	US$5.94m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	4.23
Gross Margin	100.00%
Net Profit Margin	39.45%
Debt/Equity Ratio	93.6%

How did HLFN perform over the long term?

See historical performance and comparison

Dividends

5.9%

Current Dividend Yield

26%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/02 22:35
End of Day Share Price	2025/01/02 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Home Loan Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution