HLFN Stock Overview
Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States.
Home Loan Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$33.50|
|52 Week High||US$37.46|
|52 Week Low||US$31.00|
|1 Month Change||0%|
|3 Month Change||n/a|
|1 Year Change||9.33%|
|3 Year Change||-10.67%|
|5 Year Change||21.82%|
|Change since IPO||120.11%|
Recent News & Updates
|HLFN||US Mortgage||US Market|
Return vs Industry: HLFN exceeded the US Mortgage industry which returned -33.7% over the past year.
Return vs Market: HLFN exceeded the US Market which returned -21.2% over the past year.
|HLFN Average Weekly Movement||n/a|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||3.3%|
Stable Share Price: Insufficient data to determine HLFN's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine HLFN's volatility change over the past year.
About the Company
Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company’s 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. It 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 Fundamentals Summary
|HLFN fundamental statistics|
Is HLFN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|HLFN income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||2.79|
|Net Profit Margin||35.60%|
How did HLFN perform over the long term?See historical performance and comparison
3.2%Current Dividend Yield
Is HLFN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for HLFN?
Other financial metrics that can be useful for relative valuation.
|What is HLFN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does HLFN's PE Ratio compare to its peers?
|HLFN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
TCBS Texas Community Bancshares
IOR Income Opportunity Realty Investors
FBSI First Bancshares
KSBI KS Bancorp
HLFN Home Loan Financial
Price-To-Earnings vs Peers: HLFN is good value based on its Price-To-Earnings Ratio (12x) compared to the peer average (27.5x).
Price to Earnings Ratio vs Industry
How does HLFN's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Earnings vs Industry: HLFN is expensive based on its Price-To-Earnings Ratio (12x) compared to the US Mortgage industry average (11.4x)
Price to Earnings Ratio vs Fair Ratio
What is HLFN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate HLFN's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of HLFN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: HLFN ($33.5) is trading below our estimate of fair value ($66.04)
Significantly Below Fair Value: HLFN is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate HLFN's PEG Ratio to determine if it is good value.
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How is Home Loan Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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 Home Loan 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.
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- Examine whether Home Loan Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- 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 Home Loan Financial's filings and announcements here.
How has Home Loan Financial performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HLFN has high quality earnings.
Growing Profit Margin: HLFN's current net profit margins (35.6%) are higher than last year (35.6%).
Past Earnings Growth Analysis
Earnings Trend: HLFN's earnings have grown by 5.1% per year over the past 5 years.
Accelerating Growth: HLFN's earnings growth over the past year (7.4%) exceeds its 5-year average (5.1% per year).
Earnings vs Industry: HLFN earnings growth over the past year (7.4%) exceeded the Mortgage industry 5.8%.
Return on Equity
High ROE: HLFN's Return on Equity (12.1%) is considered low.
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How is Home Loan Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HLFN's Assets to Equity ratio (7.9x) is low.
Allowance for Bad Loans: HLFN has a sufficient allowance for bad loans (470%).
Low Risk Liabilities: 97% of HLFN's liabilities are made up of primarily low risk sources of funding.
Loan Level: HLFN has an appropriate level of Loans to Assets ratio (83%).
Low Risk Deposits: HLFN's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: HLFN has an appropriate level of bad loans (0.3%).
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What is Home Loan Financial current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HLFN's dividend (3.22%) is higher than the bottom 25% of dividend payers in the US market (1.6%).
High Dividend: HLFN's dividend (3.22%) is low compared to the top 25% of dividend payers in the US market (4.25%).
Stability and Growth of Payments
Stable Dividend: HLFN's dividend payments have been volatile in the past 10 years.
Growing Dividend: HLFN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (38.7%), HLFN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Robert Hamilton (79 yo)
Mr. Robert C. Hamilton serves as the Chairman & Chief Executive Officer of Home Loan Financial Corp. Mr. Hamilton serves as the Chairman of The Home Loan Savings Bank, a subsidiary of Home Loan Financial C...
Experienced Board: HLFN's board of directors are seasoned and experienced ( 17.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Home Loan Financial Corporation's employee growth, exchange listings and data sources
- Name: Home Loan Financial Corporation
- Ticker: HLFN
- Exchange: OTCPK
- Founded: 1997
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$46.890m
- Shares outstanding: 1.40m
- Website: https://www.homeloanfinancialcorp.com
- Home Loan Financial Corporation
- 413 Main Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/06/30 00:00|
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.