OTCPK:HLFN

Stock Analysis Report

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

HLFNIndustryMarket
7 Day0.4%2.1%2.1%
30 Day1.3%-1.9%-3.2%
90 Day1.9%0.6%2.8%
1 Year23.2%17.0%1.4%-0.7%2.2%-0.04%
3 Year64.3%40.6%32.9%24.1%41.5%32.3%
5 Year163.1%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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HLFNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:41
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


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.