OTCPK:HWEN

Stock Analysis Report

Home Financial Bancorp

Executive Summary

Home Financial Bancorp operates as a holding company for Our Community Bank that offers various banking products and services in the counties of Owen and Putnam.

Snowflake

Fundamentals

Adequate balance sheet average dividend payer.

Risks

  • Home Financial Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:HWEN

2.4%

US Mortgage

2.9%

US Market


1 Year Return

-18.8%

OTCPK:HWEN

-1.5%

US Mortgage

0.2%

US Market

HWEN underperformed the Mortgage industry which returned -2% over the past year.

HWEN underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

HWENIndustryMarket
7 Day0%2.4%2.9%
30 Day0%-1.5%-2.3%
90 Day7.1%0.6%3.1%
1 Year-16.8%-18.8%0.6%-1.5%2.4%0.2%
3 Year7.4%0.2%32.6%23.8%41.7%32.4%
5 Year16.7%4.2%58.2%41.6%55.1%37.9%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

24.01x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Home Financial Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Home Financial Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Home Financial Bancorp is overvalued based on earnings compared to the US Mortgage industry average.

Home Financial Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Home Financial Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Home Financial Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

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

16.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Home Financial Bancorp is high growth as no revenue estimate data is available.

Home Financial Bancorp's earnings are expected to grow by 16.8% yearly, however this is not considered high growth (20% yearly).

Unable to compare Home Financial Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Home Financial Bancorp's earnings growth is expected to exceed the United States of America market average.

Home Financial Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Home Financial Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Home Financial Bancorp performed over the past 5 years?

-8.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Home Financial Bancorp's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Home Financial Bancorp's 1-year earnings growth exceeds its 5-year average (97% vs -8.4%)

Home Financial Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (97% vs 32.9%).


Return on Equity

Home Financial Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Home Financial Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Home Financial Bancorp 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 Financial Bancorp'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 Financial Bancorp has an acceptable proportion of non-loan assets held.

Home Financial Bancorp has a low allowance for bad loans.

Home Financial Bancorp's liabilities are made up of primarily low risk sources of funding.

Home Financial Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Home Financial Bancorp are broadly funded by customer deposits.

Home Financial Bancorp has a high level of bad loans (greater than 2%).


Next Steps

Dividend

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

2.46%

Current Dividend Yield


Dividend Yield and Payments Analysis

Home Financial Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Home Financial Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.7x coverage).


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

3.7yrs

Average management tenure


CEO

Kurt Rosenberger (60yo)

17.1yrs

Tenure

US$113,531

Compensation

Kurt D. Rosenberger serves as President and CEO of Home Financial Bancorp and has been its Chairman since February 1, 2018. He is Chairman President and CEO of Our Community Bank (the “Bank”). He joined th ...


Management Age and Tenure

3.7yrs

Average Tenure

The tenure for the Home Financial Bancorp management team is about average.


Board Age and Tenure

4.0yrs

Average Tenure

79yo

Average Age

The tenure for the Home Financial Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Kurt Rosenberger (60yo)

    Chairman

    • Tenure: 17.1yrs
    • Compensation: US$113.53k
  • Brian Stremming

    Chief Financial Officer

    • Tenure: 2.6yrs
  • Tammy Randolph

    Senior Vice President

    • Tenure: 3.7yrs
  • Lisa Wilson (51yo)

    VP & COO

    • Tenure: 3.7yrs
  • Betty Rush

    Assistant VP of Accounting

    • Tenure: 0.6yrs

Board Members

  • Kurt Rosenberger (60yo)

    Chairman

    • Tenure: 17.1yrs
    • Compensation: US$113.53k
  • Steve Parrish (79yo)

    Director

    • Tenure: 23.6yrs
  • Tad Wilson (84yo)

    Director

    • Tenure: 23.6yrs
  • Charlie Hardesty

    Vice Chairman

    • Tenure: 1.5yrs
  • Denise Sudol

    Director

    • Tenure: 4.0yrs
  • Darrell White

    Director

    • Tenure: 4.0yrs
  • Bob Livingston

    Director

    • Tenure: 7.6yrs

Company Information

Home Financial Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Home Financial Bancorp
  • Ticker: HWEN
  • Exchange: OTCPK
  • Founded: 1911
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$7.511m
  • Shares outstanding: 1.16m
  • Website: https://www.ocbconnect.com

Location

  • Home Financial Bancorp
  • 279 East Morgan Street
  • Spencer
  • Indiana
  • 47460
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HWENOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 1996

Biography

Home Financial Bancorp operates as a holding company for Our Community Bank that offers various banking products and services in the counties of Owen and Putnam. The company offers fixed-rate certificates  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:39
End of Day Share Price2019/08/20 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.