Home Loan Financial Corporation (HLFN)

OTHER OTC:HLFN

HLFN

Home Loan Financial

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Home Loan Financial (HLFN) Price & Analysis

31 Followers

HLFN Stock Chart & Stats

$36.97

$0.00(0.00%)

At close: Jan 07 4:00 PM EST

$36.97

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$32.80 - $46.00

Previous CloseN/A

Volume1.38K

Average Volume (3M)276.00

Market Cap

$62.06M

Enterprise Value$79.59M

Total Cash (Recent Filing)$9.66M

Total Debt (Recent Filing)$30.00M

Price to Earnings (P/E)7.4

Beta0.21

Next Earnings

Oct 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield5.77%

Share Statistics

EPS (TTM)5.14

Shares Outstanding1,403,668

10 Day Avg. Volume382

30 Day Avg. Volume276

Financial Highlights & Ratios

PEG Ratio0.20

Price to Book (P/B)1.05

Price to Sales (P/S)1.83

P/FCF Ratio5.43

Enterprise Value/Market Cap1.28

Enterprise Value/Revenue3.17

Enterprise Value/Gross Profit4.52

Enterprise Value/Ebitda8.87

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

High Gross And Net MarginsSustained gross margins above 70% and mid-to-high twenties net margins indicate durable cost advantage and pricing power in core lending operations. This margin profile supports long-term profitability, resilience to moderate rate cycles, and capacity to fund dividends and reinvestment.

Improving Leverage And Robust ROEA materially lower debt-to-equity and consistently double-digit ROE reflect stronger capital structure and efficient equity use. Improved leverage reduces refinancing and interest-rate vulnerability, enhancing financial flexibility to support growth or return capital over the medium term.

Strong Cash Conversion To Free Cash FlowNear-1 FCF-to-net-income conversion indicates high cash quality and the business's ability to convert accounting profit into distributable cash. This supports sustainable dividends, internal investment and lowers dependency on external funding across a multi-quarter horizon.

Bears Say

Volatile Revenue And Free Cash Flow GrowthIrregular revenue and FCF growth impair predictability for capital allocation and planning. Over several quarters this volatility can stress dividend coverage, slow strategic initiatives, and raise the cost of capital as stakeholders demand larger buffers for uncertainty.

Relatively Low Operating Cash Flow Efficiency Vs Net IncomeLower operating cash efficiency versus reported earnings suggests earnings include non-cash or timing items. Persistently weak conversion elevates liquidity risk, complicates coverage of obligations, and may limit sustainable dividend or buyback policies over the medium term.

Small Scale And Low Trading LiquidityA small employee base and low average trading volume point to limited scale and market liquidity. This constrains diversification, operational capacity to scale quickly, and access to capital markets, increasing execution risk for growth or large financing needs.

HLFN FAQ

What was Home Loan Financial Corporation’s price range in the past 12 months?

Home Loan Financial Corporation lowest stock price was $32.80 and its highest was $46.00 in the past 12 months.

What is Home Loan Financial Corporation’s market cap?

Home Loan Financial Corporation’s market cap is $62.06M.

When is Home Loan Financial Corporation’s upcoming earnings report date?

Home Loan Financial Corporation’s upcoming earnings report date is Oct 21, 2026 which is in 114 days.

How were Home Loan Financial Corporation’s earnings last quarter?

Home Loan Financial Corporation released its earnings results on Jan 21, 2026. The company reported $1.518 earnings per share for the quarter, beating the consensus estimate of N/A by $1.518.

Is Home Loan Financial Corporation overvalued?

According to Wall Street analysts Home Loan Financial Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Home Loan Financial Corporation pay dividends?

Home Loan Financial Corporation pays a Quarterly dividend of $0.275 which represents an annual dividend yield of 5.77%. See more information on Home Loan Financial Corporation dividends here

What is Home Loan Financial Corporation’s EPS estimate?

Home Loan Financial Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Home Loan Financial Corporation have?

Home Loan Financial Corporation has 1,403,668 shares outstanding.

What happened to Home Loan Financial Corporation’s price movement after its last earnings report?

Home Loan Financial Corporation reported an EPS of $1.518 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Home Loan Financial Corporation?

Currently, no hedge funds are holding shares in HLFN

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Home Loan Financial Corporation

Home Loan Financial Corporation, which operates as a unitary thrift holding company, delivers a diverse range of banking and financial services across the United States. Its fundamental deposit offerings encompass checking, savings, and certificate of deposit accounts. Regarding its credit portfolio, the institution provides residential and non-residential mortgages, financing for residential construction and land acquisition, commercial loans, and various consumer credit products. These consumer credit options extend to home improvement loans, education loans, vehicle loans, unsecured personal loans, and credit cards, alongside loans secured by savings accounts. The corporation also deals in life insurance, annuities, long-term care insurance, and investment products. Its financial services are accessible through its main office in Coshocton, Ohio, and several branch locations in Coshocton, Mount Vernon, and West Lafayette, Ohio. Home Loan Financial Corporation was established in 1997 and maintains its principal place of business in Coshocton, Ohio.